Achieve your financial goals with our high-interest savings account, offering competitive rates to grow your money faster and convenient features tailored to your needs. Whether you're saving for milestones, building an emergency fund, or planning for the future, we provide the flexibility and support to help you succeed

Features & Benefits

Daily Interest Accrual.
E-Banking Access
Optional Electronic Cards

Terms & Conditions

An initial deposit of GH¢50.00 is required
A minimum operating balance of GH¢20.00
An E-Banking Bundle Fee
Two passport-sized pictures
Digital address of residence
Copy of a Utility bill

Our Current Account is a non-interest bearing account designed for smooth, everyday transactions. Enjoy the convenience and reliability you need to manage your finances.Open accounts in local currency, foreign exchange, and foreign currency. Open your account today and experience banking made just for you.

Features & Benefits

Bank on your terms anywhere with our mobile app , internet and USSD banking.
Enjoy 24/7 access to your funds with our range of debit card options
Stay updated with e-alerts and e-statements.

Open in local currency, foreign exchange account and foreign currency account.

Access to a dedicated Relationship Manager.

Requirements

An initial deposit of GHS 50.00 is required to activate your account.
No minimum operating balance required
A valid national ID (Passport, Ghana Card) for the signatory of the account.
Two passport-sized photos of the account signatory.
A digital address for your residence.
A utility bill to confirm your place of residence.

Unlock the value of your investments with our Cash-Backed Loan facility—a fast and secure financing solution tailored to your needs. Use your cash deposits or fixed investments as collateral to access immediate funds while keeping your investments intact. Take control of your financial flexibility today—contact us to learn more or apply now!

Features & Benefits

Get quick financing without withdrawing your savings.
Borrow up to 90% of your cash deposits while keeping your savings intact.
Enjoy repayment terms of up to 60 months, tailored to your financial needs.
Lending rate is 5% above your deposit rate, ensuring affordability.
Simple application with your cash or fixed deposit as collateral.

Requirements

Cash (CASA Deposit or Fixed Deposit) must be held with OmniBSIC Bank to qualify for the loan.
The total amount granted, including Principal, 30 days of Interest, and Fees, must not exceed 90% of the cash held.
The proposed lending rate will be at least 5% above the effective cost of funds (interest rate) being paid on the cash deposit held by the bank.
A processing fee of up to 2.5% will be charged, deducted from the loan amount upon approval.
Customers should refer to the tariffs guide for additional charges, fees, and commissions applicable to the Cash Backed Loan.

Protect your business with OmniBSIC's tailored foreign exchange and hedging solutions. Our FX Swaps help you manage currency exposure by exchanging one currency for another at an agreed rate, with a reverse exchange at a future date, ensuring efficient risk management and financial stability. Get started today—partner with us for smarter currency management!

Features & Benefits

Hedge against currency fluctuations with fixed rates.
Predetermined exchange rate.
Choose from flexible tenors (7 to 90 days).
Enjoy expert guidance on foreign exchange transactions.
Efficiently manage all your foreign exchange risks with OmniBSIC Bank.

Requirements

Binding Agreement.
Collateral Provision
Consultation for Swap Rates

Our Cash Collection service is designed to facilitate a secured deposit of cash into bank accounts from various business locations, offering customers a convenient solution for managing their cash flow.



Features & Benefits

Variety of Collection Services
Provides secure transit for cash deposits, minimizing the risk associated with transporting cash.
A minimum cash collection amount of GHS 5,000.00 ensures efficiency in service delivery.
Service is available for clients located within a minimum distance of 5 km from the bank, facilitating ease of access.

Requirements

Customers must have an active Current or Savings Account to utilize the Cash Collection service.
Completion of necessary KYC, EKYC, EDD, and related documentation 1s required by the bank.
Customers must apply and A signed a cash collection agreement to initiate the service.
Agreed service charges will apply after the collection is completed.

Our Receivable Finance is a working capital solution designed to provide immediate cash flow by purchasing debt owed to a business by approved counterparties. This facility helps businesses unlock cash from their outstanding invoices, allowing them to meet operational needs efficiently.

Features & Benefits

Quick access to funds requests up to GHS 1 million, with approvals typically granted within 48 hours ensuring rapid access to working capital.
This facility is available for a standard tenure of up to 90 days, with exceptional cases eligible for an extension of up to 150 days, accommodating various business cash flow cycles.
Invoices or certificates are discountable only if they are outstanding and have been fully accepted as valid for payment by an approved counterparty within six months from the date of issuance.
This product is structured to minimize risk by requiring adequate tangible security, assessed at a minimum of 120% of the Open Market Value, in line with the bank's collateral standards.

Requirements

Acceptable Counterparties.
Invoice Verification:
The invoice or certificate must receive confirmation from business managers before it can be discounted.
Invoices or certificates must be payable within six months from the date of issue to qualify for the facility.
A tripartite domiciliation agreement or an enforceable letter of undertaking must be in place among the customer, the bank, and the counterparty.
Arrears Management

Tailored credit facility designed to support fixed asset acquisition and working capital requirements for small, medium, and corporate businesses. Apply to deploy today!

Features & Benefits

Minimum loan amount: GHS 50,000.00.
Flexible repayment structure with a tenure of up to 24 months to address your working capital needs.
Flexible repayment structure with a tenure of up to 60 months, tailored for term loans aimed at fixed asset acquisition.
Requirements

Processing Fee of up to 3.5%
Default charge of 10% per annum on overdue balance of principal and interest.
Interest rate of GRR + up to 15
Refer to tariffs guide for all other applicable charges.
Open current account.
Completed credit application forms.

Need quick cash while keeping your investments secure? With a Repurchase Agreement, sell your securities for cash today and repurchase them later at a pre-agreed price. Optimize your liquidity—partner with us for Repo solutions now!

Features & Benefits

Real-time payments with GHIPSS
Convenient fund transfers:
- Account-to-Account
- Account-to-Wallet
Resolution timeframe of 30mins for process errors.

Requirements

Must have a Current and Savings Account.
Complete necessary KYC, EKYC, EDD, etc
Must be set up on the mobile money platform.
Commission applies as per the tariffs guide.

Our Bid Security guarantees your commitment and financial credibility, providing a competitive edge in securing contracts. Trust our tailored solutions for seamless support in your tendering process.

Features & Benefits

Instant Payments:
Bill Payments
Enhanced Security
Personal Financial Management

Our Advance Payment Guarantee (APG) offers full protection for your payments. If a contractor or supplier fails to fulfill their obligations, your advance payments will be reimbursed. Secure your payments with our APG and ensure peace of mind for your business.

Features & Benefits

Tenure based on underlying contract or agreement

Requirements

Customers must meet the Bank’s Risk Asset Acceptance Criteria.
Prevailing Bank interest rate applies once the Bank Guarantee crystallizes.
Acceptable collateral must be provided per the Bank’s standards.
Refer to the tariffs guide for all charges. (Add link for tarrif guide)

Our guarantee ensures that contractors or suppliers fix any defects during the liability period, even after the retention amount is released early, giving you peace of mind and protecting your investment.

Features & Benefits

Flexible Duration: Aligns with the length of your contract or agreement for seamless compliance.
Risk Assurance: Designed to protect employers while supporting contractors or suppliers in fulfilling obligations.

Requirements

To qualify for the Retention Guarantee, customers must meet the Bank’s Risk Asset Acceptance Criteria.
A processing fee of up to 3% or GHS 500.00 (whichever is higher) applies
If triggered, the bank will pay the guarantee, and standard loan interest rates will apply.
Collateral is required based on the Bank’s standards, and customers should consult the tariffs guide for additional fees.