Bank of Ghana SWIFT/BIC code

Bank of Ghana SWIFT code: BAGHGHA4

The 8-character code BAGHGHA4 and the full code BAGHGHA4XXX refer to one and the same institution: Bank of Ghana, with its head office in Accra. Banks worldwide use these codes to direct payments between countries to the right institution. In daily life you usually see it on international invoices, in payment forms and in the bank details of Bank of Ghana customers.

We wrote this page to help anyone who receives money at an account at Bank of Ghana without mistakes. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN does that part.

8 or 11 characters: BAGHGHA4 versus BAGHGHA4XXX

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, characters five and six give the country and the two after that mark the location. Together, those parts form BAGHGHA4 – the version you usually see online.

The 11-character version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office.

Enter the code in one piece, in capitals and without separators, exactly as shown here. Look out for O versus 0 and the letter I and the digit 1; they are easy to mix up.

Verifying the SWIFT code of Bank of Ghana

Have the recipient copy the account details straight from their online banking. If the code you have differs from BAGHGHA4 or BAGHGHA4XXX, do not guess – contact the recipient or Bank of Ghana.

With a wrong code, the transfer might be delayed, be returned or end up costing more, and tracing it can take weeks. Remember the account number: a mistake there can be harder to undo than a wrong BIC.

An automatic check in your banking app merely confirms that the code exists – not that it belongs to the person you mean to pay. Some banks now compare the name with the account before you confirm; take any warning seriously. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.

International transfers from Bank of Ghana: the real cost

The price of an international transfer is made up of more than one component, and the transfer fee is only the most visible one. You pay the transfer fee, sometimes charges from correspondent banks in between and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate: the bank converts at a rate with a margin built in. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many routes, a specialist provider is less expensive than a bank. GoldexPay compares transfer providers next to each other, showing what actually arrives for the same amount sent. Choosing a specialist does not require leaving Bank of Ghana.

Receiving money from abroad at Bank of Ghana

When you are waiting for a payment from another country, send the payer all details at once. Share your name as the bank knows it, the IBAN or account number, the BIC BAGHGHA4XXX and your address, which some banks require.

Certain sending banks want the address of Bank of Ghana; it does no harm to include it. A typo in your account number can be harder to fix than you might think, so copy the details from your online banking.

Money from abroad will not always land in full. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. For business payments, you can state how the fees are split.

Tracking a transfer to or from Bank of Ghana

There is no single delivery time for every transfer: many arrive the same day or the next. Bank holidays in either country can add extra days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

If the money seems late, ask your bank about the status and the transaction reference; with that reference banks can see where the payment is. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid should contact the bank that sent it, not the receiving bank. On the receiving end, you can check your account to see a partial amount.

Scams that use SWIFT codes

A common scam works like this: you receive a message saying that a supplier now has new bank details. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always verify a change of bank details by phone on a number you know, not one from the message. Pressure or secrecy are warning signs – a real supplier can wait a day. Acted too fast? Contact the bank you paid from straight away and have them start a recall and report the fraud.

Recipients are targeted too: one known trick is an overpayment and then sends a request to send back the difference. Wait until the money has really arrived – ask Bank of Ghana if something looks wrong.

How up to date is this code?

The details here come from public sources. Banks merge, close branches and change codes, and a directory never catches every change immediately. The number of codes on this page are based on what is in our directory and not on information from Bank of Ghana itself.

Treat our data as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is not affiliated with Bank of Ghana. Should you notice something that is out of date, we appreciate a message via the contact page.

Bank of Ghana: head office code versus branch codes

Bank of Ghana uses 3 different SWIFT/BIC codes. Only one is the head office code; the rest identify branches or departments.

For most incoming transfers, the head office code BAGHGHA4XXX is what you need. Just use a branch code when the account holder explicitly asks for it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.