TARIFF GUIDE

ACCOUNTS - INDIVIDUAL & SME

HNI Mass AccessU (Youth) Emerging Business Financial Inclusion Access Savings
Summit Affluent My Pay Clique Vybe Horizon SME Lite SME Biz Live B3ta
Minimum Opening Balance Nil Nil Nil GHS 20 GHS 20 GHS 50 GHS 1000 GHS 100 GHS 20 GHS 50
Operating Balance Nil Nil Nil Nil Nil Nil - GHS 1000 Nil Nil
Commission to Turnover - - - - - - - - - Nil
Card Issuance Fee GHS 200 Infinite, GHS 100 Platinum GHS 100 GHS 30 GHS 30 GHS 30 GHS 30 - Free - -
Service Fee GHS 120/month GHS 50 GHS 15-20/month - - - - GHS 50/month Nil Nil
Card Maintenance Fee GHS 90/quarter (Infinite Debit), GHS 50/quarter (Signature Debit), GHS 20/quarter (Gold Debit), GHS 10/quarter GHS 10/quarter GHS 10/quarter - GHS 60/quarter - -
GHS 25/quarter (Platinum Credit) GHS 25/quarter (Platinum Credit) GHS 25/quarter (Platinum
Credit), GHS 5/year (GH-Link)
Withdrawal Limit - - - - - - 1 free withdrawal/month 1 free withdrawal/month Nil 3 free withdrawals/month (GHS 5 charge after 3rd withdrawal)
Interest - - - - - - - - - 1% p.a on GHS 1000 and above

ACCOUNTS - CORPORATE 100% Cash Covered/Fully Covered L/Cs (Imports) Visa Infinite
Corporate Current Corporate Savings Item Rate Item Rate
Minimum Opening Balance GHS 500 GHS 3000 Establishment-Sight 1% & deferred 1.25% 1%-1.25% on LC Amount Card Issuance Fee GHS 250
Minimum Operating Balance Nil GHS 1000 Revolving/Standby L/C 1%-1.25% on LC Amount Replacement Fee GHS 250
Commission to Turnover GHS 2 per mille 0.5% p.a on GHS 3000 & above Partial Cash Cover Sight 1.25% on LC Amount Maintenance Fee GHS 90/quarter
Minimum to Earn Interest Nil GHS 3000 Deferred 1.5% on LC Amount Pin Registration Fee Free
Maintenance Fee - Nil Payment Commission 0.75% on Document Amount ATM On Us (Access Bank ATM) Free
Service Fee Nil Nil Cancellation of LC $100 ATM Not-On-Us (Local) GHS 3 + 2%
Expired & Unutilized LC No charge ATM International $3 + 3%
Transfer of LC $100 POS & Online Payment (Local) Free
Swift $30 Optional Issuer Fee (OIF) International 7%

GENERAL BANKING SERVICES

Cheques & Clearing
Item
Individual Cheque Book (50 Lea�ets)
Rate
GHS 60
CROSS-BORDER PAYMENT SOLUTIONS Visa Business
Individual Cheque Book (100 Lea�ets) GHS 120 Item Rate Item Rate
Foreign Cheque Book (100 Lea�ets) USD 10 /GBP 9/ EUR 8 PAPSS Card Issuance Fee GHS 60
2% of Principal ($2min - $100max)
Manager's/Bank's Cheque for Customers 0.5% of amount (Min GHS 10, Max GHS 30) AccessAfrica Replacement Fee GHS 60
Manager's/Bank's Cheque for Non-Customers 0.5% of amount (Min GHS 20, Max GHS 60) Maintenance Fee GHS 60/quarter
Counter Cheque per Lea�et GHS 50 Pin Registration Fee Free
Stop Cheque GHS 50 ATM On Us (Access Bank ATM) Free
Local Clearing
Special Clearing
Free
GHS 50
DIGITAL BANKING ATM Not-On-Us (Local)
ATM International
Free
-
Bank Account to MoMo Wallet POS & Online Payment (Local) Free
Item Rate Optional Issuer Fee (OIF) International 7%
MTN
Up to GHS 2000 – GHS 10 Flat
Statement AT
Above GHS 2000 – GHS 20 Flat
Item Rate Telecel
Monthly e-Statement Free GH-Link
Adhoc Statement (normal A4) GHS 10/page
Item Rate
Visa Statement (On Letterhead) GHS 10/page MoMo Wallet to Bank Account Card Issuance Fee GHS 20
Item Rate Replacement Fee GHS 20
MTN Maintenance Fee GHS 5/year
Standing Orders AT Free Pin Registration Fee Free
Item Rate Telecel ATM On Us (Access Bank ATM) Free
Internal Free ATM Not-On-Us (Local) GHS 2
External GHS 5 POS (Local) GHS 2.50
Transfers
Item Rate
Lending GIP 1% of the Amount capped at GHS10 minimum 50p
Item Pricing ACH Normal Salary/Allowance/Bonus - GHS 3 irrespective of the amount
Credit Card
Lending Fee 0.10%-3% Others - 0.25% of the amount minimum GH 10 and Maximum GH50
Item Rate
Processing/ Establishment Fee 0.10%-3% ACH Express Salary/Allowance/Bonus - GHS 4 irrespective of the amount
Card Issuance Fee GHS 100
Guarantee/Mobilization/ Performance Bond/Bid Security Commisions per Quarter 0.10%-3% Others - 0.25% of the amount minimum GHS 10 and Maximum GH50
Replacement (Lost) GHS 100
Arrangement Fee 0.10%-3% ACH NRT Salary/Allowance/Bonus - GHS 5 irrespective of the amount
Renewal (Expired) GHS 100
Facility Fee 0.10%-3% Others - 0.25% of the amount minimum GHS 10 and Maximum GH60
Maintenance Fee GHS 100/year
Insurance Fee 0.10%-1% USD to Other Banks 1% of the amount minimum USD 20 and Maximum USD 200
Pin Registration Fee Free
ATM On Us (Access Bank ATM) Free
ATM Not-On-Us (Local) GHS 3 + 2%
International Card Transactions Other Other Banks ATM (International) 4%
Item Rate Item Rate Cash Advance Domestic Free
ATM Surcharge on Not-On-Us Card Transactions GHS 30 Bill Payments POS & Online Payment (Local) Free
Airtime Topup Late Payment Fee GHS 50
Free
Statutory Payment Minimum Monthly Repayment 20% of utilized amount
Additional Banking Services Merchant Payment Insurance (Not Applicable to Cash-Backed Cards) 0.30% of limit amount
Item Rate Optional Issuer Fee (OIF) International 4.5%
Introductory Letter GHS 100
Clearance/Comfort Letters
CARDS
GHS 100
Letter to Auditor / Auditor Con�rmation GHS 100

Visa Prepaid
Item Rate MERCHANT SOLUTIONS
DOMESTIC FUNDS TRANSFER
Card Issuance Fee GHS 40 (Platinum)
Loading Fee GHS 3 POS
Maintenance Fee GHS 15/quarter Item Rate
Transaction Type Rate
Pin Registration Fee One-Time Setup Fee GHS 100
GIS Transaction processing fee/ Individual - 0.50% of Face Value (Min. GHS 30, Max GHS 50) Nil
ATM On Us (Access Bank ATM) Monthly Fee GHS 10
Local-GIS Corporate -0.50% of Face Value (Min. GHS 30, Max GHS 80) Free
ATM Not-On-Us (Local) Merchant Services Commission Min 2.5% - Max 3.5%
Local – Forex Cheque Clearing (MT 205) $25 (equivalent in other currencies) per cheque GHS 3 + 1%
ATM International Non Utilisation Fee GHS 100 per month of inactivity
Interbank settlement of FX Payment 1% of Face Value (Min. $30, Max. $200) $2 + 3%
(MT205) / Local - Forex POS & Online Payment (Local) Free
Request to enter payment manually GHS 600 per transaction (customer) Optional Issuer Fee (OIF) - International 7%
Request for cancellation of payment GHS350 per transaction (customer)
E-Commerce
Item Rate
One-Time Setup Fee GHS 1000
Visa Gold
TRADE SERVICES
Monthly Fee GHS 450
Item Rate
Merchant Services Commission Min 2.5% - Max 3.5%
Card Issuance Fee GHS 30
Non Utilisation Fee Nil
Letters of Credit (Export) Replacement Fee GHS 30
Item Rate Maintenance Fee GHS 20/quarter
Postage/Courier USD 100 Pin Registration Fee Free
LC Advising fee USD 200 ATM On Us (Access Bank ATM) Free
ATM Not-On-Us (Local) GHS 3 + 1% GhQR
ATM International $2 + 3% Item Rate
Documentary Collections POS & Online Payment (Local) Free One-Time Setup Fee Nil
Item Rate Optional Issuer Fee (OIF) International 7% Monthly Fee Nil
Handling charges (Import) $25 Merchant Services Commission 0.35% of Amount (capped at GHS 7)
Courier $100 Non Utilisation Fee Nil
Handling Commission $25
Payment Commission 0.75% (Minimum $50 /Eur 40 /GBP 35) Visa Signature
Swift $30 Item Rate
Card Issuance Fee
Replacement Fee
GHS 100
GHS 100 AGENCY BANKING
Transfers Maintenance Fee GHS 50/quarter Item Rate
Item Rate Pin Registration Fee Free Initial Deposit GHS 200
Outward Transfer ATM On Us (Access Bank ATM) Free Closa Savings Interest 1%
Swift $30 ATM Not-On-Us (Local) GHS 3 + 3% Pricing Funds Transfer (Inter) 1% of amount (Min GHS 0.50p, Max GHS 10)
Transfer Commission 0.75% (Minimum $50 /Eur 40 /GBP 35) ATM International $2 + 3% Bill Payment per Service Provider Free
Inward Transfer POS & Online Payment (Local) Free Airtime Purchase Free
Admin Charges Nil Optional Issuer Fee (OIF) International 7% Debit Card Request GHS 20

TOLL FREE: 0800 004400 Access Bank Ghana