Ghana
activeNeobank
- HQ
- Lagos
- Fee
- Free core account
Affinity
Ghana digital Savings-and-Loans. BoG class, not a universal bank.
Tap a star to jump to reviews
6.2Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Affinity is not a bank. Your money sits with Affinity (Savings and Loans) — Bank of Ghana.
If it fails?
Not a universal-bank GDPC story by default — Savings-and-Loans is a different BoG class. Confirm deposit protection on the live licence page.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
No monthly fee (pitch)
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.2
/10 · Mixed
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.
What it is
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.
Best for: Ghana residents who want a licensed digital deposit shop, knowing it is S&L, not GCB.
Last checked 2026-08-28. Not advice.
What it does well
- +Named BoG licence
- +Fee pitch is explicit
- +Agency + USSD
- +SME sleeve
What to watch
- −Not a universal bank
- −Ghana-only
- −Card is not the product
- −Deposit-protection class needs a live check
Who holds the money
The account
How money actually moves
- Who holds the cash
- Issued / held via Affinity (Savings and Loans) — Bank of Ghana
- How money moves
- In-app ledger
- Built for
- Personal · Business
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Affinity has no card listed on this file.
Licence first
Safety
Not a universal-bank GDPC story by default — Savings-and-Loans is a different BoG class. Confirm deposit protection on the live licence page.
Who holds the money: Affinity (Savings and Loans) — Bank of Ghana
- Bank of GhanaSavings and Loans · Ghana
Fees
- Monthly
- No monthly fee (pitch)
- FX markup
- Not the product
- ATM
- Local rails / agency
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- GHS deposits
- USSD + app
- SME + personal
- Loans
- No monthly fee pitch
Score
- Safety25%
- 6.2
- Fees20%
- 8.2
- Features15%
- 6.4
- App15%
- 6.8
- Global15%
- 2.2
- Support10%
- 6.6
Change log
Full logLicence
Bank of Ghana Savings-and-Loans, not a universal bank
Accra digital deposit shop. Licence class is the review. Not GCB.
Available in
Straight answers
FAQ
01Is Affinity a bank?
Affinity is not a licensed deposit-taker in the classic sense. Money, if any, sits with Affinity (Savings and Loans) — Bank of Ghana.
02How is money protected?
Not a universal-bank GDPC story by default — Savings-and-Loans is a different BoG class. Confirm deposit protection on the live licence page.
03Where is Affinity available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Affinity.
04Card and wallets?
Affinity has no card listed on this file.
05Can I open Affinity remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeNeobank
- HQ
- Lagos
- Fee
- Digital SKU — confirm live
activeNeobank
- HQ
- Lagos
- Fee
- Free wallet