Yes. You can request a transfer to other banks locally through.
ACH (Automated Clearing House): Normal ACH transfer, Express transfer and Near Real-Time (NRT)
GHIPSS instant pay
• GHIPSS Instant Pay and Express ACH transfers provide same-day value.
• Normal ACH transfers take 2 working days.
• Near Real-Time (NRT) is an instant service, with the beneficiary's account credited within 15 minutes.
Yes, you can transfer funds internationally through a SWIFT transfer.
You will need the following to transfer funds internationally:
Beneficiary name
Beneficiary’s address
Beneficiary’s Bank Account number /IBAN number where applicable
Beneficiary’s Bank Address
Beneficiary’s Bank Swift Code
Beneficiary’s Bank Sort /Fed Wire Code where applicable
Intermediary Bank (Applicable only for Int’l transfer) where applicable
Supporting documents where applicable
All foreign transfers will be affected upon request using the prevailing exchange rate
Swift transfers take 1 - 3 working days.
SWIFT transfers come with a 1% commission charge, with a minimum of 30 units of the transfer amount, in addition to SWIFT charges and corresponding bank charges.
SWIFT Transfer Charges
| Currency | Commission | SWIFT Charge | Corresponding Bank Charge |
|---|---|---|---|
| USD | 1% of transfer amount, minimum of 30 units | $35.00 | $35.00 |
| EUR | 1% of transfer amount, minimum of 30 units | €30.00 | €30.00 |
| GBP | 1% of transfer amount, minimum of 30 units | £30.00 | £30.00 |
Yes, you can receive foreign transfers by providing your account number and the corresponding bank and SWIFT code to the sender.
Contact our customer call center on 0551858585 or 0800 000 772 Toll Free for more details.
The swift code for Prudential Bank is PUBKGHAC.
Yes, we provide school fee payment services for various tertiary institutions at all our branches and via USSD.
Here are the USSD codes for the respective institutions:
University of Ghana - *772*100#
University of Cape Coast - *772*40#
Valley View University - *772*42#
Koforidua Technical University - *772*44#
Takoradi Technical University - *772*45#
Pentecost University College – *772*41#
Sunyani Technical University - *772*55#
Cape Coast Technical University – *772*43#
Kumasi Technical University - *772*48#
Methodist University
University of Education Winneba
University for Development Studies
Kofi Annan International Peace Keeping Training Centre
Akenten Appiah-Minka University of Stills Training and Entrepreneurial
Development (AAMUSTED)
Yes, we offer e-vouchers for various tertiary institutions.
University of Ghana
University of Cape Coast
Methodist University College
Valley View University
Koforidua Technical University
Takoradi Technical University
Pentecost University College
Presbyterian University College
University for Development Studies
Akenten Appiah-Minka University of Stills Training and Entrepreneurial
Development (AAMUSTED)
Kumasi Technical University
Yes, you can pay your WAEC registration fees at any of our branches, just come along with a printout of your online voucher.
Yes, you can receive your examiner payment at any of our branches. Just present a printout of your e-voucher and your Ghana Card.
The contact center can be reached at +233 551 858 585 or 0800 000 772 (Toll Free). Additionally, you can connect with us through our social media and online platforms:
Yes, we provide the following remittance services.
RIA
WESTERN UNION
TRANSFAST
VIGO
UNITY LINK
MONEYGRAM
Yes, you can receive remittances directly into your Prudential Bank account through the Ria and Unity link remittance services.
You will need the following:
Yes. We offer mobile money services at all our branches nationwide.
MTN Mobile Money (For both Retail customers and Agents)
AT Money
Telecel Cash
A verifiable national ID, such as the GHANA CARD
Please contact your mobile network service provider for assistance.
Yes. We offer personal loans to:
Salaried workers who receive their salaries through their Prudential Bank accounts.
Government of Ghana workers who are on the Controller and Accountant General’s payroll. (This category of borrowers do not need to have an account with PBL)
Individuals whose companies have scheme loan agreements with Prudential Bank can also access a loan.
Salaried Workers Loan Scheme
This loan scheme is designed for salaried workers to help them meet their financial needs
Applicant must be in gainful employment with a monthly salary.
Applicant must have operated an account with PBL for at least 3 months.
Applicant must have their salaries pass through their accounts with PBL for at least 3 months
*However, applicants whose institutions have loan scheme agreements with PBL
do not need to have an account with PBL to access a loan facility*
Government of Ghana employee loan scheme
This loan scheme is for Government of Ghana employees who are paid through the Controller and Accountant General’s Department.
Requirements:
Applicant must be a confirmed staff of any of the government institutions.
Must be on the Controller and Accountant General’s payroll.
This Loan scheme is open to both PBL customers and non-customers.
Vehicle Ownership Loan Scheme
This loan scheme is designed to help customers who desire to own a vehicle, and have saved up to a point.
Requirements:
Applicant must be a customer of the bank for a minimum of 3 months.
Applicant must be willing to finance 25% - 40% of the total vehicle cost upfront.
Applicant must be willing to comprehensively insure the vehicle with a Prudential bank approved insurance company.
Vehicle will be registered in the joint names of PBL and the applicant until loan is paid off.
Any other personal information and documentation as may be required during the process.
The requirements for accessing a personal loan with Prudential Bank are:
The maximum tenor for a personal loan is 36 months.
The monthly repayment amount varies based on the loan amount and tenor.
*However, the repayment amount cannot exceed 40% of your net monthly income*.
To apply for a loan, visit any of our branches and speak with a credit (relationship) officer to begin the application process.
Prudential Bank offers fixed term deposits with competitive rates. This investment option provides investors with a higher interest rate compared to a regular savings account.
Interest rates on fixed term deposits depend on the tenor and value of the investment. For information on our current interest rates, please visit the rates page on our website.
Prudential Bank provides the following investment durations for our esteemed investors: 30 days, 60 days, 91 days, 182 days, and 365 days.
A treasury bill (T-bill) is an investment instrument backed by the Bank of Ghana on behalf of the government. These T-bills can be purchased through Prudential Bank on behalf of our customers.
Treasury bills are purchased through your bank account with Prudential Bank.
Customers may choose from the following Treasury bill tenors: 91days bill, 182 days bill and 365 days.
A valid national ID (GHANA CARD)
1 recent passport-sized photograph
A completed Central Securities Depository (CSD) form (available at all branches)
A completed Treasury Bill Purchase form (available at all branches)
You can link your bank account to your mobile money wallet by signing up for the PBL mobile banking service, mobiWise. Simply dial *772# and follow the prompts to complete the process.
With Mobiwise, you can perform the following transactions::
Check your account balance
Send money from your account to your mobile money wallet and vice versa
Pay Bills (ECG, DSTV, GO TV)
Change PIN
Link wallet to bank account
Top up air time and data bundles on all networks
Perform account to account transfers between PBL accounts
Perform account to account transfer to other bank accounts.
You can use our netWise Internet Banking service to perform the following transactions:
Transfer funds within PBL (account to account)
Transfer Funds to other Bank’s accounts
Transfer funds to your mobile money wallet
Generate statements
Set up standing instructions
Request cheque books
Stop Payments
Our card services include the PURE CHIP & PIN cards, which provide access to our 24-hour ATM service at various locations nationwide, as well as Gh-Link enabled ATMs of other banks and POS devices. We also offer VISA, MASTERCARD, and UNION PAY cards, which can be used for online transactions and are accepted at over 20 million ATMs and POS devices in more than 200 countries for your convenience.
To apply for any of our electronic banking services, visit any of our branches nationwide for enrollment. Alternatively, you can dial *772# or download the PBL Mobile App and use the self-sign-on option.
If you forget your PIN code or password for your e-banking service, please visit any of our branches nationwide to have your PIN or password reset instantly.
Report the issue immediately to the Prudential Bank contact center at +233 551 858 585 / 0800 000 772, or reach out through our social media handles on Facebook, Instagram, X (Twitter), and LinkedIn. Alternatively, you can visit the nearest Prudential Bank branch.
Please visit any of our branches to have your PIN reset.
Yes, you can use the mobiWise and PBL mobile app services outside of Ghana.
Yes, we offer e-ZWICH services, including the issuance of e-ZWICH cards, as well as cash deposits and withdrawals.
To obtain an e-ZWICH card, you will need your Ghana Card and a completed e-ZWICH requisition form.
National service personnel must also present their national service appointment letter.
To obtain an e-ZWICH card, you will need your Ghana Card and a completed e-ZWICH requisition form.
National service personnel must also present their national service appointment letter.
You can perform the following transactions easily and conveniently on our CashWise ATMs:
• Cash Withdrawals
• Mini Statement Request
• Account Balance Enquiries
• PIN Change
• Cheque Book Request
• Account Transfers (Own Accounts)
• Full Statement Request
Our cash deposit ATM is located at the Ring Road Central (RRC) branch within the HEAD OFFICE building, opposite the Netherlands Embassy.
Prudential Bank offers two types of pure chip cards:
• GOLD Pure Chip Card
• CLASSIC Pure Chip Card
The PBL Visa Contactless Card allows you to make quick, secure payments by tapping your card on a contactless POS terminal, instead of swiping or dipping. It's also known as Visa Tap to Pay.
To use your PBL Visa Contactless Card, simply hold it within 5cm of the secure contactless reader. Once you remove your card, the transaction will be complete.
You can use your PBL Visa Contactless Card at any retailer displaying the contactless symbol, both in Ghana and abroad.
Yes, you can still use your PBL Visa Contactless Card at ATMs and for POS transactions by entering your PIN.
Prudential Bank offers three types of Visa Contactless cards:
• VISA GOLD
• VISA CLASSIC
• VISA PREPAID
Visa Card Issuance Cost
| Type of Card | Cost of Issuance |
|---|---|
| VISA GOLD | GHS 40.00 |
| VISA CLASSIC | GHS 30.00 |
| VISA PREPAID | GHS 40.00 |
Monthly Maintenance Charge for Visa Contactless Cards
| Type of Card | Maintenance Charge |
|---|---|
| VISA GOLD | GHS 10.00/Month |
| VISA CLASSIC | GHS 5.00/Month |
| VISA PREPAID | GHS 40.00/Year |
Daily Transactional Amount Limit on Visa Cards
Yes, you can shop online from the comfort of your home with our Visa cards.
International online shopping incurs a charge of 3% of the transaction value, with a minimum charge of $2.00.
If you forget your Visa card PIN, kindly visit any Prudential Bank branch to have your PIN reset at no cost.
If you misplace your Visa card:
You don’t need to be a Prudential Bank account holder to enjoy Visa prepaid card services.
The PBL UnionPay card offers global flexibility, security, and ease for online, ATM, and POS transactions in over 178 countries.
All PBL account holders can obtain a UnionPay card, as well as non-account holders seeking easy and convenient transactions.
Prudential Bank offers three types of UnionPay cards:
UnionPay Card Issuance Fees
| Card Type | Issuance Fee |
|---|---|
| UnionPay GOLD | GHS 30.00 |
| UnionPay CLASSIC | GHS 25.00 |
| UnionPay PREPAID | GHS 20.00 |
Monthly Maintenance Fees for UnionPay
| Type of Card | Maintenance Charge |
|---|---|
| UnionPay GOLD | GHS 10.00/Month |
| UnionPay CLASSIC | GHS 5.00/Month |
| UnionPay PREPAID | GHS 40.00/Year |
Non-account holding customers can only obtain the UnionPay PREPAID CARD.
Yes, you can shop online from the comfort of your home on websites and online stores that accept UnionPay cards.
International online shopping incurs a fee of 1.5% of the transaction amount, with a maximum charge of $1.00.
Transactions on UnionPay-enabled ATMs outside of Ghana incur a fee of GHS 5.00 per transaction.
Transactions at other banks' ATMs incur a fee of GHS 2.00 per transaction.
With UnionPay card services, you can:
The daily transaction limits for UnionPay cards are:
If you forget your UnionPay card PIN, kindly visit any Prudential Bank branch to have your PIN reset.
If you misplace your UnionPay card, you should:
The PBL Mastercard is a debit card that allows you to manage your finances, make global payments, and withdraw cash wherever Mastercard is accepted.
All account-holding customers of PBL are eligible to acquire the Mastercard, as well as non-account holders who wish to make transactions with ease and convenience.
Prudential Bank offers two types of Mastercard debit cards:
Cost of Issuing a Mastercard debit Card
| Type of Card | Cost of Issuance (GHS) |
|---|---|
| MasterCard Classic | 30.00 |
| MasterCard Business | 50.00 |
Monthly Maintenance Fee for Mastercard:
| Type of Card | Maintenance Fee |
|---|---|
| Mastercard Classic | GHS 5.00/Month |
| Mastercard Business | GHS 10.00/Month |
Yes, you can make online purchases from the comfort of your home on websites and online stores that accept Mastercard debit cards.
International online shopping incurs a fee of 3% of the transaction value, with a maximum charge of $2.00.
Transactions made at Mastercard-enabled ATMs outside of Ghana incur a fee of GHS 3.00, plus 2% of the transaction amount.
Transactions at ATMs of other banks in Ghana incur a fee of GHS 3.50, plus 0.8% of the transaction amount.
With Mastercard card services, you can:
To acquire a Mastercard card, visit any of our branches nationwide and:
The daily transaction limits for Mastercard cards are:
| Card Type | Daily Transaction Limit |
|---|---|
| Mastercard Classic | GHS 10,000.00 |
| Mastercard Business | GHS 10,000.00 |
If you forget your Mastercard PIN, please visit any Prudential Bank branch to have your PIN reset.
If you misplace your Mastercard:
The Prudential Bank Mobile App lets you perform banking transactions on the go, providing convenience without the need to visit the banking hall.
The Prudential Mobile App can be used by any Prudential Bank customer with an active account and a compatible smartphone.
The Prudential Mobile Banking App can be downloaded on your smartphones and tablets from the Play Store (Android), Huawei App Gallery, and the App Store (iPhone).
The Prudential Mobile App has a self-sign-on feature that allows you to enroll in the service on your own, without needing to visit any of our branches.
You can start performing transactions instantly after a successful sign-on.
You can perform the following transactions on the Prudential Mobile App without visiting a branch:
Yes, the Prudential Bank Mobile App can be used anywhere in the world, as long as you are connected to the internet.
If you forget your sign-in and transaction PIN, you can reset them by clicking the “Forgot Login PIN?” option on the app login screen and following the prompts.
Ans: You can use the “Feedback” option in the menu on the app to file a complaint or suggestion.
Kindly visit any of our branches with your Ghana Card to request any of our instantly issued debit cards of your choice.
Individuals who have attained the legal adult age of 18 and above.
Students in tertiary institutions.
Any company, enterprise or institution that is legally registered in Ghana.
Clubs, Societies & Associations (registered or non-registered)
Ghana Card
One (1) recent passport size photograph
Digital Address (Ghana Post GPS)
A fully completed Account Opening form
Proof of residential address (Utility bill or receipt of payment of utility) may be required
Minimum Initial Deposit of GHS 50.00 - savings account
50.00 - Current account
Forex account – USD100, £100, Є100
Foreign nationals shall submit valid Passport, Residence and Work Permit.
*Minimum initial deposit amount may be subject to change*
*Terms and conditions apply*
Yes! A parent or guardian can open an account for a child under 18 years old. The account will be held in trust for the child until they reach the age of 18.
Requirements: A verifiable national ID (GHANA CARD) of Guardian/Parent, one (1) passport-sized photograph of both child and guardian and the birth certificate of the child.
Limited Liability Companies
Certificate of incorporation
Company Regulations
Relevant regulatory certificate or license
Board resolution to open an account with PBL
One (1) passport-size photograph each of the directors
Ghana Card of Directors
Proof of residential address for each signatory (Utility Bill – not more than 3 months old) may be required
*For foreign nationals and non-resident Ghanaians, a phone bill, bank statement or driver’s license confirming the residential and postal addresses in the country of permanent residence is required*.
Any other relevant business registration document.
ENTERPRISE (SOLE PROPRIETORSHIP)
Certificate of registration
Form A - registration of business names
Form D (notification of change in particulars registered by an individual) is required in addition to Form A if there have been changes in the information provided on Form A
Relevant regulatory certificate or license
One (1) passport size photograph
Verifiable national ID (GHANA CARD).
Proof of residential address for account signatory (Utility Bill not more than 3 months old) may be required)
*For foreign nationals and non-resident Ghanaians, a phone bill, bank statement or driver’s license confirming the residential and postal addresses in the country of permanent residence is required*.
Foreign nationals shall submit valid Passport, Residence and Work Permit.
Any other relevant business registration document.
Initial minimum deposit
Cedi Current Account – GH¢100.00
Cedi Savings Account – GH¢100.00
Forex Account – USD100, £100, Є100
CLUBS, SOCIETIES AND ASSOCIATIONS
Personal Details of Chairman/President/Rev. Minister and Secretary/Executive Members
One (1) recent passport sized photograph of each signatory to the account.
Certificate of Registration (if any) – (original/certified true copy).
Copies of Constitution / Rules and Bye Laws.
Verifiable national ID (GHANA CARD) of each signatory
Digital Address (Ghana Post GPS) of each signatory
Proof of residential address of each signatory to the account. (Utility bill not more than three (3) months old may be required)
*For foreign nationals and non-resident Ghanaians, a phone bill, bank statement or driver’s license confirming the residential and postal addresses in the country of permanent residence is required*.
Current Tenancy Agreement to confirm the residential address where applicable.
Resolution to open account signed by Chairman/President/Rev. Minister and Secretary/Executive Member.
Application letter on the Society, Club or Association’s letterhead to open account signed by the Chairman/President/Rev. Minister and Secretary/Executive member.
Society, Club or Association’s stamp/seal.
Initial minimum deposit
Cedi Current Account – GH¢100.00
Cedi Savings Account – GH¢100.00
Forex Account – USD100, £100, Є100
Prudential Bank offers a range of accounts designed to meet the diverse needs of our customers.
This is a special savings account designed to assist you purchase basic household items such as television sets, microwave ovens, refrigerators, pay medical bills and other urgent family commitments. With a Prudential Welfare Savings Account.
Account holders qualify for a special loan of up to 120% of the balance on their accounts.
Account holders enjoy a 2% reduction in interest rate on loans.
No collateral is needed for this loan; the balance on the account is used as collateral.
Account holders can still withdraw money from their account during the loan period.
Prudential Business Savings Account (PBSA)
This savings account is designed to provide financial assistance to existing and prospective customers wishing to expand their businesses or set up a new one. Account holders enjoy the following benefits.
A 2% interest above the Banks normal savings account rates.
A special loan of up to 150% of the account balance for purposes of expanding the business or setting up a new one.
A 2% reduction in interest rate on loans.
Account holders can still withdraw money from their account during the loan period.
The Prudential Micro Savings Account (PMSA) is a special account designed to encourage micro to small businesses to save daily towards growing their businesses or meeting personal financial commitments such as school fees, and acquiring household appliances. This account comes with a loan package designed to provide a convenient, flexible and affordable means of securing a credit facility. Benefits include,
Low initial deposit on opening account.
Free daily cash collection services at your doorstep.
Free transaction notification.
No COT/Account maintenance charges.
Competitive interest earnings on account balances.
Use of account balance as security for a loan.
Flexible repayment schedule on loans.
PRUDENTIAL CHILD ADVANTAGE ACCOUNT
This account is a savings/investment account designed to help parents and guardians save and invest towards their children’s education and future.
The features of this account are:
Initial deposit of GHS 50.00
Minimum additional monthly deposit of GHS 50.00.
A minimum balance of GHS 200.00 should be maintained at all times after one (1) year.
One withdrawal is permitted on the account every quarter.
Interest on the account is earned on a daily basis and applied at the end of the month.
Account is transferrable upon request by parent or guardian when child attains 18years.
Quarterly statements will be provided upon request.
This account is specially designed for permanent staff of selected tertiary institutions who are customers of PBL. This account is aimed at giving tertiary institution staff convenient, flexible and affordable means of acquiring property. Features of this account includes,
Low initial deposit
No COT / Account Maintenance charges
Free ATM card
Free transaction notification (alertwise) service
Free mobile Banking (Mobiwise) service
Minimal charge on use of other bank gh-link enabled ATMs
Competitive interests paid on account
Free e-zwich card, minimum deposit of GHS 5.00.
Interest is paid on wallet balance of GHS 20.00 and above.
Low Interest on loans
Low processing charges
Quick loan processing turnaround time
Flexible loan repayment terms
This is a cedi denominated account for Ghanaians resident abroad who wish to build up funds in Ghana to fund future projects or to finance an eventual homecoming. Deposits made in foreign currency will be converted to Ghana cedi at the prevailing exchange rate and proceeds invested. Withdrawals and payments made on the account are in Ghana cedi only.
Features:
Designed for Ghanaians resident abroad
Requires regular weekly/bi-weekly/monthly deposit of a minimum of GHS100.00 into the Home Base Personal Savings account
Withdrawals can be made whilst in Ghana or upon receipt of account holder’s written instructions (giving details of beneficiary).
No service charge on the account
Amounts saved may be used as collateral for a credit facility.
Interest rate on this account is linked to the Bank of Ghana policy rate.
Savings amounts up to GHS 5,000.00 will attract interest at Bank of Ghana policy rate minus eight percentage points per annum subject to quarterly review
Savings amounts above GHS 5,000.00 will attract interest at Bank of Ghana policy rate minus six and a half percentage points per annum subject to quarterly review
* Please note that the current Bank of Ghana policy rate is subject to review by the Bank of Ghana*.
This account offers a variety of products and services tailored for churches, church employees and congregation. This account provides churches the avenue to operate various connected accounts to help meet goals and thereby serve the congregation. The various account types under Church Plus include,
Church Administration Current Account
Helps the church to manage its daily financial transactions including settling church expenses, receiving tithes, offerings and other receipts.
Church administration savings account
Allows the church the flexibility to save at its own pace.
Project Account
Enables the church to build up funds for specific projects and also to apply for credit facilities to finance projects.
Fixed Deposit Investments
The Church may place excess funds on fixed deposit for periods up to one (1) year with a rollover option for principal and interest or principal only.
Sweep Facility (Call Account)
Allows the church to earn interest on funds not needed immediately and also make funds available for use when needed.
AVAILABLE SERVICES UNDER CHURCH PLUS ACCOUNT
PBL Quick Pay (Mobile Money) Service – Allows congregants to pay tithes offerings, donations and pledges from their phones or mobile devices.
PBL alert wise (Transaction notification) service – Generates transaction notification messages whenever a specific transaction type occurs on the account via SMS and e-alerts
PBL netWise (Internet Banking) Service – A real-time solution that allows the church to access its accounts 24hours a day, 7days a week via the internet.
No Commission on Turnover (COT)
Cash Collection services
Church Employee Scheme Loans
We are open from Mondays to Fridays 8:30 am to 4:00pm GMT.
You can check your balance using any of our e-banking services:
You can access your account statement by:
You can retrieve your account number by:
Yes, you can access your account anywhere in the world using the Prudential Bank netWise internet banking service, the PBL Mobile App, or our mobiWise mobile banking service if you are on roaming with your local mobile number.
You can update your account information by:
You will need the following documents:
A valid national ID (GHANA CARD)
One recent passport sized photograph.
Current GPS address if there is a change of residence
A contact number if there is a change
Any other relevant information required.