Affinity

Affinity is a Bank of Ghana Savings-and-Loans franchise with an app. That is better than an unlicensed wallet and worse than a universal bank if you wanted GDPC-at-bank. Do not export it as a pan-African neobank.

Affinity Africa received a BoG Savings and Loans licence (upgraded 2022) and launched the consumer app in October 2024. Accra. Deposits and small loans, not a Mastercard travel story.

Affinity lists Savings and Loans under Bank of Ghana in Ghana. On safeguarding we currently write: Not a universal-bank GDPC story by default — Savings-and-Loans is a different BoG class. Confirm deposit protection on the live licence page.. Holder / issuer line: Affinity (Savings and Loans) — Bank of Ghana. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly No monthly fee (pitch); FX Not the product; ATM Local rails / agency. This desk would open it for: Ghana residents who want a licensed digital deposit shop, knowing it is S&L, not GCB.

What it does well: Named BoG licence; Fee pitch is explicit; Agency + USSD. What to watch: Not a universal bank; Ghana-only; Card is not the product. Desk score 6.2 / 10 (safety 6.2, fees 8.2, features 6.4, app 6.8). Last verified 2026-08-28. Headquartered in Accra, Ghana; founded 2022. None of this is advice — it is a file so you can read the entity before the card colour.