ADNTGHAC11-character variant (head office):
ADNTGHACXXX| Bank code | Country | Location |
|---|---|---|
| ADNT | GH | AC |
| ADB | GH (Ghana) | Accra |
An 11-character variant like ADNTGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'ADNTGHAC001') refer to specific branches.
Agricultural Development Bank (ADB) was established by an act of Ghana's parliament in 1965 to provide credit and banking services to the agricultural sector. The bank later expanded into universal banking and was listed on the Ghana Stock Exchange in 2016. ADB operates around 80 branches and remains one of the principal financing channels for cocoa, palm-oil, and food-crop producers, as well as agribusiness SMEs. For diaspora senders supporting family-owned farming operations or rural businesses in Ghana, ADB's SWIFT code ADNTGHAC routes inbound wires to the head office on Independence Avenue, Accra. The long form is ADNTGHACXXX.
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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 ADB, your sending bank needs this code (ADNTGHAC) to route the payment message through correspondent banks to Agricultural Development Bank 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 ADNTGHAC + 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 ADB, 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 ADNTGHACXXX), 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.
Agricultural Development Bank's SWIFT/BIC code is ADNTGHAC. 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 ADB's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your ADB account, the sender needs SWIFT code ADNTGHAC AND your account number. Some sending banks also request the recipient bank's full address (37 Independence Avenue, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and ADB. 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: ADB'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.