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Ghana Reference Rate (as used in the Bank of Ghana APR report, May 2026): 10.03%
Published by the Bank of Ghana · May 2026

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Customer groupTenor

APR means interest plus fees expressed as one yearly rate. These are indicative bank-level figures, not individual offers. What APR means. NL means “No loans reported”; N/A means fees and charges are not applicable, as defined in the report.

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Provider comparison
Attribute	Access Bank (Ghana) Plc Ghana · Banks
Account opening	Visit website on Access Bank (Ghana) Plc's website (opens in new tab) You'll leave Afiwe. Afiwe doesn't open accounts or receive your details. Official homepage. Checked 21 Oct 2026 · Official account-link source (opens in new tab).
Rates
Average lending rate · households · 1 year	16.75% p.a. Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / averageLending · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / averageLending: Source (opens in new tab) · As at May 2026
Average APR · households · 1 year	16.78% p.a. Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / apr · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / apr: Source (opens in new tab) · As at May 2026
Minimums and fees
Maximum commitment fee · households · 1 year	Not applicable (N/A) Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / commitmentFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / commitmentFee: Source (opens in new tab) · As at May 2026
Maximum processing fee · households · 1 year	1.00% Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / processingFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / processingFee: Source (opens in new tab) · As at May 2026
Maximum arrangement fee · households · 1 year	Not applicable (N/A) Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / arrangementFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / arrangementFee: Source (opens in new tab) · As at May 2026
Maximum insurance fee · households · 1 year	1.00% Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / insuranceFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / insuranceFee: Source (opens in new tab) · As at May 2026
Maximum facility fee · households · 1 year	1.00% Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / facilityFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 2: Access Bank Ghana Plc / facilityFee: Source (opens in new tab) · As at May 2026
Provider-level fees and minimums	See provider's website
Named products listed on Afiwe	Access Savings Account Access Savings Account · Source checked 23 Oct 2026 Source and date Access Savings Account: Source (opens in new tab) · Source checked 23 Oct 2026
Eligibility
Institution type	Universal bank Official regulator register · Source checked 21 Oct 2026 Source and date Official regulator register: Source (opens in new tab) · Source checked 21 Oct 2026
Account holders on listed products	Individual Access Savings Account · Source checked 23 Oct 2026 Source and date Access Savings Account: Source (opens in new tab) · Source checked 23 Oct 2026
Licence and regulator
Regulator	Bank of Ghana (BoG) Official regulator register · Source checked 21 Oct 2026 Source and date Official regulator register: Source (opens in new tab) · Source checked 21 Oct 2026
Regulator register entries	See provider's website
Last checked	21 Oct 2026 Official regulator register · Source checked 21 Oct 2026 Source and date Official regulator register: Source (opens in new tab) · Source checked 21 Oct 2026

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