ABNGGHAC11-character variant (head office):
ABNGGHACXXX| Bank code | Country | Location |
|---|---|---|
| ABNG | GH | AC |
| Access Ghana | GH (Ghana) | Accra |
An 11-character variant like ABNGGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'ABNGGHAC001') refer to specific branches.
Access Bank Ghana is part of Access Corporation, the Nigerian banking group that has built the largest pan-African banking footprint of any Nigerian institution. Following the 2021 acquisition of African Banking Corporation (ABC) of Ghana, Access expanded its Ghanaian operation to roughly 50 branches and made it one of Ghana's mid-tier commercial banks. The SWIFT code ABNGGHAC uses the parent Access Bank Group bank-code prefix ABNG (the same as Access Nigeria, ABNGNGLA) with GH for Ghana and AC for Accra. Diaspora flows can sometimes settle within the Access Corporation internal network when both origination and destination are within the group.
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SWIFT and BIC are two names for the same identifier: an 8 or 11-character code standardised by ISO 9362 that identifies a bank in the SWIFT payment network. For a wire to Access Ghana, your sending bank needs this code (ABNGGHAC) to route the payment message through correspondent banks to Access Bank Ghana in Accra.
An IBAN, by contrast, identifies a specific bank account — not the institution. IBANs are mandatory in the European Economic Area, the UK, most of the Middle East, and several African countries (but Ghana does not use IBANs universally). For most wires to Ghana, you will supply SWIFT code ABNGGHAC + the recipient's account number, not an IBAN.
UK sort codes (6 digits) and US routing numbers (9 digits) are domestic-only equivalents — they do not work for international wires. If a US-based sender wants to wire to Access Ghana, they need the SWIFT code, not the US routing number of the correspondent bank (although their bank may use the routing number internally to route their side of the wire).
One final technical detail on the 11-character form: the last three characters identify a specific branch. When they read 'XXX' (as in ABNGGHACXXX), they conventionally designate the head office itself. Most international wires use either the 8-character form or the 11-character form with XXX; unless your recipient explicitly tells you otherwise, that is the right choice.
Access Bank Ghana's SWIFT/BIC code is ABNGGHAC. This 8-character code identifies the bank's Accra head office for international wire transfers.
Yes. SWIFT (Society for Worldwide Interbank Financial Telecommunication) and BIC (Business Identifier Code) are two names for the same 8 or 11-character identifier standardised by ISO 9362. You will see Access Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Access Ghana account, the sender needs SWIFT code ABNGGHAC AND your account number. Some sending banks also request the recipient bank's full address (Starlets '91 Road, Opposite Accra Sports Stadium, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Access Ghana. Wires from major global banks (HSBC, Barclays, JPMorgan, Citi) usually clear fastest.
For smaller amounts to Ghana, operators such as Wise, LemFi, Sendwave, and TapTap Send typically offer a rate closer to mid-market and lower fees than a classic SWIFT bank wire. See our Ghana inbound corridor comparison for side-by-side pricing.
Source: Access Ghana's official website + Wise SWIFT directory. Last verified: 2026-06-04. SWIFT codes change rarely but always confirm with your bank before initiating a transfer. Educational only — not financial advice.