Agency Banking

In line with its vision to provide world-class banking services to Ghana’s unbanked, Fidelity has pioneered the Agency Banking model in Ghana. Fidelity is currently the only bank licensed by the Bank of Ghana to do so.  Fidelity’s Agency Banking model comprises its Smart Account and Smart Agent Network in a novel model combining a low requirement, easily accessible account and convenient, trustworthy branchless banking capitalizing on the nation’s large expanse of retailers.


Fidelity Smart Account

The Fidelity Smart Account is our innovative, quick to open, easy to access bank account. Fidelity has permission from the Bank of Ghana (BOG) to use reduced KYC, hence, only one form of national ID and no additional documentation is required to open an account! For the first time in Ghana, patrons can open either savings or current accounts in approximately five minutes! This is done by our Smart Agents or Smart Friends using a custom mobile phone. Smart Friends are Fidelity’s itinerant sales ambassadors, who can be spotted around Ghana in their bright orange Fidelity Smart Account t-shirts. Smart Agents are retail locations contracted and trained by Fidelity to conduct banking transactions on our behalf. 

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Fidelity Smart Agent Network

Fidelity's Smart Account is serviced by Smart Agents - grocery stores, supermarkets, pharmacies, phone shops etc. that are recruited, trained and certified by Fidelity Bank to conduct basic banking transactions on our behalf. The first and only of their kind in Ghana, Fidelity Smart Agents are equipped with Point of Sale terminals (POS), with which they assist clients in making deposits, withdrawals, bill payments and other basic banking transactions. For cash management, Fidelity Smart Agents hold a float with the Bank.

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