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PAPSS in Ghana: Participating Banks & How to Send Money
PAPSS lets you send money from Ghana to other African countries in GHS — your bank converts to the recipient's local currency at settlement. 13 Ghana banks are participants as of June 2026, accessible via app, branch, internet banking, or USSD depending on the bank.
Founding member; Bank of Ghana Direct Participant.
Bank list verified June 2026. PAPSS is expanding rapidly — new banks join regularly. Confirm with your bank before transacting.
Ghana banks live on PAPSS (13)
| Bank | Channels | App / USSD |
|---|---|---|
Ecobank Ghana Pan-African network — present in 33 countries; same-group corridors are smoothest. | app + internet banking + branch | Ecobank Mobile |
Zenith Bank Ghana USSD *966# is a documented PAPSS channel for Zenith Ghana customers. | USSD + internet banking + branch | Zenith Mobile *966# |
Standard Chartered Ghana | app + internet banking + branch | SC Mobile |
GCB Bank Largest Ghanaian indigenous bank by deposits. | app + internet banking + branch | GCB Mobile Banking |
Absa Bank Ghana Part of Absa Group (SACU). | app + internet banking + branch | Absa Mobile |
Stanbic Bank Ghana Standard Bank group. | app + internet banking + branch | Stanbic Mobile |
UBA Ghana UBA published one of the earliest bank-side PAPSS user guides. | app + internet banking + branch | LEO Ghana |
Access Bank Ghana | app + internet banking + branch | AccessMore Ghana |
CalBank Published a dedicated PAPSS guide for Ghana SMEs. | app + internet banking + branch | CalBank Mobile |
Prudential Bank | internet banking + branch | — |
FBNBank (First Bank Ghana) | app + branch | FBNBank Mobile |
Universal Merchant Bank | app + internet banking + branch | UMB Mobile |
Fidelity Bank Ghana | app + internet banking + branch | Fidelity Mobile |
How to send from Ghana in practice
In Ghana, Zenith Bank Ghana documents *966# as a PAPSS USSD channel — a real option for customers without a smartphone. UBA Ghana and Ecobank have published dedicated PAPSS guides; CalBank has documented SME-side usage. Branches of 13 banks also handle PAPSS.
Ghana-specific reality: Bank of Ghana applies its own FX documents above monthly thresholds. On receive from Nigeria, the flow is typically faster than the reverse direction.
Ghana resources
Frequently asked questions
How do I send money with PAPSS from Ghana?
Log into your bank (app, internet banking, branch, or USSD depending on the bank) and pick International transfer or the PAPSS option. Enter the destination country, the recipient's bank, the account number, and the amount in GHS. The recipient is credited in local currency within 120 seconds. 13 Ghana banks are participants as of June 2026.
Which Ghana banks support PAPSS?
Ecobank Ghana, Zenith Bank Ghana, Standard Chartered Ghana, GCB Bank, Absa Bank Ghana and 8+ others. Full list below.
What are the PAPSS limits in Ghana?
Individuals: up to ~USD 2,000-equivalent per month without documentation. SMEs / corporates: up to ~USD 5,000-equivalent per month. Above those: full FX documentation required by your central bank.
Which countries can I send to from Ghana?
All PAPSS-live countries as of June 2026: Nigeria, Ghana, Kenya, The Gambia, Liberia, Guinea, Sierra Leone, Djibouti, Zambia, Zimbabwe, Malawi, Tunisia, Egypt, Morocco, Comoros, Rwanda. Coverage is growing.
Is the transfer really instant?
Yes in standard flows — the recipient is credited in under 120 seconds in local currency. On some corridors and some Nigerian banks, additional compliance checks may delay to T+1 (next business day). Confirm with your bank on first transfers.