Fidelity 24/7 Current Account

The Fidelity 24/7 Current Account gives you the freedom to track and manage money. Enjoy unlimited transaction and convenient access to your funds 24/7 via our digital platforms.

BENEFITS

1. Unlimited number of transactions on account 24/7
2. Get Personalized cheque-book
3. Access to Visa/Mastercard Debit and Prepaid card
4. Available in GHS, USD, EUR & GBP
5. Instant transaction notification via SMS/ Email Alert
6. Free access to the digital platforms- App, USSD, WhatsApp banking
7. Access over 6000 agents and branches nationwide

FEATURES

1. Minimum opening balance: GHS 50
2. No minimum operating balance
3. Account maintenance fee apply (refer to our Tariff guide)
4. Unlimited number of transactions

Fidelity Reserve Account

Helps you take care of important expenses and achieve your short- to- medium term savings goals. Pays competitive interest on savings with no Account maintenance fee.

BENEFITS

1. Automated Standing Instruction to ensure regular savings from your transactional account
2. Earn competitive interest rate up to 3%p.a.
3. Track your savings 24/7 via our mobile App & digital platforms
4. Can be used as security for cash backed credit facilities
5. Access your savings whenever you to via ATM and digital channels
6. Allows up to 3 free withdrawals per month

FEATURES

1. Minimum opening balance GHS 50
2. Minimum operating balance GHS 50
3. No Account Maintenance fee
4. Allows up to 3 free withdrawals per month,
5. Penalty fee applies if monthly withdrawal is exceeded

Fidelity PayCheck Plus Account

Smart banking for everyday professionals 

Take control of your financial future with the Paycheck Plus Account, designed exclusively for salaried workers who want more value from their everyday banking. Enjoy peace of mind with free personal insurance, access to salary advances, and zero-interest loans, all while saving on fees and staying connected.

Key Benefits

• Free Personal Insurance Cover worth up to GHS18,900

• Job Loss Protection: up to GHS4,500 (excludes contract staff)

• Accidental Hospitalization: up to GHS6,000 (GHS100/day)

• Permanent Disability: up to GHS5,400

• Death Benefit: up to GHS3,000

• Pre-approved Salary Advance of up to 60% of your monthly salary

• Zero Interest Asset Finance Loan to help you acquire what matters

• No Monthly Account Service Fee (when you maintain a GHS5,000 average balance)

• Free SMS Alerts & No E-Banking Charges

• Full Access to Digital Banking Platforms

Account Features

• Minimum opening balance: GHS50

• No minimum operating balance required

• Monthly bundled service fee applies (waived with GHS5,000 average balance)

• No interest paid on account

Sign up today and enjoy banking that protects, empowers, and rewards you.

Paycheck Prime Account

Premium banking for executives earning 

Experience elevated banking with the Paycheck Prime Account—crafted for high-earning professionals who value priority service, exclusive perks, and robust financial protection. From lifestyle discounts to comprehensive insurance, this account is your gateway to a more secure and rewarding financial journey.

Premium Benefits

• Free Personal Insurance Cover worth up to GHS52,000

• Job Loss Protection: up to GHS15,000 (excludes contract staff)

• Accidental Hospitalization: up to GHS9,000 (GHS100/day)

• Permanent Disability: up to GHS18,000

• Death Benefit: up to GHS10,000

• Priority Service at all Fidelity Bank branches nationwide

• Pre-approved Salary Advance of up to 60% of net monthly salary

• Lifestyle Discounts of 5%–20% from select partners and dealerships

• Zero Interest Asset Finance Loan

• No Monthly Account Service Fee (when you maintain a GHS10,000 average balance)

• Free SMS Alerts & No E-Banking Charges

• Unlimited Access to Digital Banking Platforms

Account Features

• Minimum opening balance: GHS50

• No minimum operating balance required

• Monthly bundled service fee applies (waived with GHS10,000 average balance)

• No interest paid on account

Join Paycheck Prime and unlock a world of financial confidence and lifestyle privileges.

Fidelity Edwapa Account

The Fidelity Edwapa account makes your business transactions seamless by combining a range of payments and cash collection options for convenient customer and business (start-up and small business) transactions- both locally and internationally. The account is designed exclusively for Sole Proprietorship businesses, Individuals trading in their personal names, trading, organized groups, and market associations (annual turnover above for easy banking.

BENEFITS:

1. Convenient digital payment and collection services
   • Receive payments via: MoMo (All network), Merchant ID, Card (POS), GHQR
   • Cash pick-up by Mobile Teller (Upon request)

2. Free annual life insurance cover worth GHS48,000 (Ts & Cs apply)
   1. Hospitalization cover worth up to GHS9,000
   2. Disability or Death cover worth up to GHS20,000 each
3. Earn monthly interest on current account up to 2% p.a.
4. Waives account service fee*

(if minimum monthly average balance of GHS 10,000 is maintained)

5. Free instant sms & e-mail alert on every transaction
6. Personalized cheque book and Visa Gold card
7. No Monthly E-Banking charges
8. Access to business support loan up to GHS200,000 & Overdrafts
9. Local and International trade payments and Forex access

FEATURES

1. Minimum opening balance GHS 50
2. Minimum operating balance GHS 50
3. No limit on number of transactions
4. Eligible for cheque-book and Visa Gold card upon request
5. Bundled monthly account service apply (refer to current Tariff guide)
6. Valid National ID and completed Edwapa account form required

Fidelity Student Account

Your exciting journey to Smart and Flexible Banking

Welcome to university life- and to a banking experience designed just for you. The Fidelity Student Account offers students a secure, flexible, and fully digital way to manage money, make payments, and stay connected. Whether you're receiving funds from home, shopping online, or attending campus events, this account gives you the freedom to bank on your terms.

Key Benefits:

• Complimentary debit card issued upon account opening

• No monthly account maintenance fees

• Unlimited transactions- no restrictions

• Free access to Fidelity’s Mobile App, WhatsApp banking via “Kukua,” and *776# USSD

• Exclusive access to student loyalty rewards, events, and workshops

• Use your Fidelity debit card to shop, pay, and withdraw from any ATM nationwide

Account Features:

• Minimum opening balance: GHS 10

• No minimum operating balance required

• No account maintenance fees

• SMS alert fees apply

• No withdrawal restrictions

Open an Undergrad Student account today and join the Fidelity student community- where smart banking begins.

Fidelity Bright Kids Account

Give your child/ ward a head start to a brighter future by saving towards that future. Teach them the importance of saving and watch them achieve financial independence.

BENEFITS

1. Free automated Standing Instruction from parent/guardian’s account to Bright Kids account
2. Earn competitive interest rate up to 5%(tiered) p.a. on account balance
3. Conveniently pay school fee directly from account
4. No monthly account maintenance
5. Free SMS alert and digital channels
6. Open more than one Bright Kids account for each child/ ward
7. Access to Prepaid card for child/ward

FEATURES

1. Minimum Opening balance GHS 50
2. Minimum operating balance is GHS 50
3. One withdrawal allowed per month*

(penal fee apply for exceeding withdrawal limit)

4. Account is available in GHS; USD; GBP & EUR

Fidelity SMART Account

Smart, secure banking for income earners

Whether you're just starting out or managing a modest income, the Fidelity SMART Account gives you the freedom to bank confidently. With just a valid Ghana Card, you can open an account instantly, receive funds from anywhere, and enjoy secure, mobile-friendly banking without worrying about monthly fees.

Key Benefits

• Instant Account Opening with any valid ID

• Receive Transfers & Remittances from abroad or any bank in Ghana

• Link to Mobile Money Wallet for seamless access to your funds 24/7

• Earn rewarding Interest on your account balance

• Start with Just GHS20 and no monthly service charges

• Bank from Your Phone- anytime, anywhere

• Get a Debit Card and access your money from any ATM nationwide

Account Features

• Minimum opening balance: GHS20

• Minimum operating balance: GHS5

• No monthly account service charge

• Maximum daily withdrawal limit: GHS10,000

• Unlimited monthly withdrawals

• No cap on account balance

• Fidelity debit card available (card issuance and maintenance fees apply)

Open your SMART Account today and take control of your money- your way.

Fidelity Premier Account

Elite banking for Prestige salaried professionals 

Step into a world of tailored financial solutions with the Fidelity Premier Account- crafted exclusively for our Prestige clients. This account goes beyond transactions to deliver a truly personalized banking experience, complete with global privileges, premium protection, and dedicated relationship management. Whether you're building wealth or enjoying it, Fidelity Premier ensures your banking matches your lifestyle

Premier Benefits

• Multi-Currency Visa Platinum Card (GHS & USD) for seamless global access

• Free Annual Personal Insurance Cover worth up to GHS93,000

• Priority Service at branches and Prestige lounges, 

• Dedicated Relationship Managers

• Pre-approved Salary Advance up to 60% of monthly salary (max. GHS25,000)

• High Daily ATM Withdrawal Limit of up to GHS40,000

• Online Shopping Limit of up to GHS100,000

• Global Merchant Discounts—up to 12% off 985,000+ hotels and vacation rentals

• Exclusive Access to Prestige banking lounges

• Zero Interest Home Asset Finance Facilities

• Lifestyle Privileges & Special Offers curated for your status

Account Features

• Minimum opening balance: GHS100

• No minimum operating balance required

• Monthly fees apply

• Minimum monthly salary requirement: GHS35,000

Open your Fidelity Premier Account today and experience banking that reflects your success.