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Popular Questions

How do I apply for an account?
  • Visit us in person
  • Download the application form on our website, complete and send through the post and we will be in touch with you.
  • You can contact us by telephone and speak to one of our expert advisers who are available from 9am to 5pm and always happy to give you more information about opening an account. Phone our Retail Banking Helpdesk on 0845 605 6004
  • Email to : customer.services@ghanabank.co.uk
What are the requirements to open an account?
  • Valid Passport or Full UK Licence
  • Recent Passport Picture
  • Initial Deposit min £100.00
  • Proof of Address: This should be a utility bill e.g. water, gas, council tax or Bank statement no older then 3 months old.

If you are a tenant/lodger and no bills are in your name then we would require a letter of introduction from the landlord confirming your residence together with an original utility bill bearing the landlords name.
Or
Letter of introduction signed by an authorized signatory of the Ghana High Commission in London
Or
Letter of introduction signed by a commissioner of oaths or notary public who must be in the UK roll of notary publics or a barrister or solicitor who is in the UK roll of barristers and solicitors for the purpose of call back for validation purposes
Or
Letter of introduction from an employer based in the UK with a call back number to validate authenticity and also confirm existence of the firmFor Students letter of introduction from a recognized institution of learning with a call back number to validate authenticity and the existence of the institution.
  

How long does it take to open an account?

Providing we have all the correct requirements and we are happy with your account application the process will take between three and 10 days.

What accounts do you offer?

Click here to see our products.

How can I get a new chequebook/paying in book?
  • Visit us in person.
  • You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
  • If you already own a cheque book you should already have a re-printed request located in the middle. Just sign and post to us.

 

How long does it take for a cheque book / paying in book to arrive?

Once you have placed your Cheque book /paying In book order with us we aim to deliver your book within 5-10 working days.

What are cheques?

Cheques are written orders from account holders instructing their banks to pay specified sums of money to named beneficiaries. They are not legal tender but are legal documents and their use is governed by the Bills of Exchange Act 1882, and the Cheques Acts of 1957 and 1992.

How long does it take for a cheque to clear?

It takes five working days for funds to clear on your account.  For example if you paid a Cheque in on a Monday the funds would be available to collect the following Monday.

Why dont cheques clear instantly?

Cheques are paper items, which are physically transferred between banks. Although the paying bank receives some of the data electronically, the cheques themselves must also be transferred. This is so that they can be examined by the paying bank for security and fraud prevention purposes, to ensure that the cheque has been made out correctly and to make the decision whether to return a cheque unpaid.

Is it true that cheques are only valid for six months?

It is common banking practice to reject cheques that are over six months old to protect the payer, on the basis that payment may already have been made by some other means or the cheque may have been lost or stolen. However, this is at the discretion of individual banks. It should not be assumed that cheques in excess of six months old would automatically be rejected - the only certain way to cancel a cheque is to request that a stop be placed on it.

Can I stop a cheque?

You can request us to stop payment of a cheque before we make a decision whether or not to pay it, but it is best to do this as soon as possible after issuing it.  There is a GBP10.00 charge for this.

How do I stop a cheque?
  • Visit us in person where you will be assisted by one of our highly trained staff.
  • You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
What is a standing order?

A standing order is when you instruct us to pay a fixed amount to someone from your account at regular intervals.

How can I set up a standing order?
  • Visit us in person where you will be assisted by one of our highly trained staff.
  • You can contact us by telephone and speak to one of our expert advisers who are available from 9am to 5pm and always happy to give you more information about opening an account. Phone our Retail Banking Helpdesk on 0845 605 6004.
What are your charges for standing orders?

Click here for our Rates and Charges.

What is a direct debit?

Direct Debit is a simple, safe and convenient way to manage your household bills or make regular or occasional payments from your bank account. You agree with the organisation the amount to be collected and the date of payment. From then on the amount will be deducted from your account as agreed. If they need to change the amount or collection date, they have to notify you first.

How do I set up a direct debit?

You can either complete a Direct Debit Instruction, obtained from the organisation you wish to pay, and return it to them or with some organisations you can set up Direct Debits over the telephone or via the internet. The organisation will then forward your instructions onto your bank authorising them to allow payments to be collected from your account to them.

How do I cancel a direct debit

If you need to cancel a Direct Debit, you would need to speak to the organisation concerned. Try not to leave it until the last minute or you run the risk of a payment being made. Remember that cancelling the Direct Debit simply stops paying the organisation. If you carry on receiving the goods or service then you will have to organise an alternative payment method.

What is a direct debit guarantee?

The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

If there are any change to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request

If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society

If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to

You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation.

How can I take money out?
  • Visit us in person and withdraw funds over the counter
  • ATM Machines – use any ATM Machine that shows the MasterCard symbol.
  • Cash Back - when you pay using your debit card at retail outlets, some outlets allow you to request cash back.
How can I pay money in?
  • Visit us in person.
  • Online – if you have internet banking with us you can transfer funds between your accounts instantly.
  • Post - you can post cheques to us. Send them in an envelope with a completed paying-in slip.
How can I check my balance of my account?
  • Visit us in person.
  • Online – if you have internet banking with us you can check your balances online.
  • Telephone - You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
  • ATM Machine – you can check you balance at any ATM machine showing the MasterCard symbol.
How do I change my address?
  • Visit us in person.
  • Download the application form on our website, complete and send through the post and we will be in touch with you.
  • You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
How do I close an account?
  • Visit us in person where you will be assisted by one of our highly trained staff.
How do I apply for internet banking?
  • Visit us in person where you will be assisted by one of our highly trained staff.
  • Download the application form on our website, complete and send through the post and we will be in touch with you.
  • Telephone - You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
How do I find my sort code and account mumber?
  • Visit us in person.
  • Telephone - You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
What is an IBAN number?

An IBAN number is a International Bank Account Number. It helps banks around the world when transferring money. If you are transferring money to from bank to bank you may be asked to provide the IBAN number.

How do I find my IBAN number?
  • Visit us in person. 
  • Telephone - You can contact us by telephone on 0845 605 6004 and speak to one of our expert advisers who are available from 9am to 5pm.
  • On your bank statement.
What are your opening times?

Our banking hall is open from:

Monday: 9:30 am – 3.00 pm
Tuesday: 9:30 am – 3.00 pm
Wednesday: 9:30 am – 3.00 pm
Thursday: 9:30 am – 3.00 pm
Friday: 9:30 am – 3.00 pm
Saturday:  CLOSED
Sunday:  CLOSED