GH · GHS
Ghana digital banks
Affinity is a digital Savings-and-Loans franchise, not a universal bank. Mobile money (MTN, Vodafone) is the rail most Ghanaians already have. Licence class is the whole review.
1Live on the desk
Regulator
Bank of Ghana
Deposit scheme
Ghana Deposit Protection Corporation covers eligible deposits at licensed banks; Savings-and-Loans firms sit in a different class
In this market
Licence still sits on the product| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Affinity | 6.2 | Accra, Ghana | No monthly fee (pitch) | Not the product | 100k+ claimed 2025 | Savings and Loans |
Questions
Is a Savings and Loans licence a bank licence?+–
No. It is a BoG class that can take deposits and lend under tighter product rules than a universal bank. Read the licence, not the ‘digital bank’ headline.
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