ACCCGHAC11-character variant (head office):
ACCCGHACXXXWhether funds come from abroad or another local account, here's how to receive — and what it costs.
Sender uses ACCCGHAC + your account number.
Sender uses Wise, LemFi, or Sendwave to deposit into your account.
Receive into MTN MoMo, then move to CalBank if needed.
Ghanaian banks use sort codes assigned by GhIPSS; GhIPSS Instant Pay (GIP) moves money between banks and wallets in real time.
Funds in a Ghanaian bank account can be pushed to MTN MoMo, Telecel Cash, or AirtelTigo Money instantly via GhIPSS, and pulled back the same way.
Rail operator: www.ghipss.net
When you actually need a SWIFT code: only for receiving money from another country. GIP handles every domestic ghana bank-to-bank, bank-to-wallet, and wallet-to-bank transfer at near-instant speed. If the sender is in the same country, SWIFT isn't involved at all — they just need your sort codes or phone number.
For inbound international flows, GIP also matters: most modern remittance operators (Wise, Sendwave, LemFi, WorldRemit, TapTap Send) terminate their payouts via this rail rather than via correspondent SWIFT relationships. That's how they deliver in minutes instead of days — and why their all-in cost can be a fraction of a classic SWIFT wire.
Cash pickup is the fourth node in the receiving graph: Western Union, MoneyGram, Ria, RemitOne. These remain expensive but are the only option in some last-mile situations (no bank account, no wallet, urgent cash need). Mobile money cash-out via an agent network is increasingly the cheaper alternative — see our country mobile-money fee page for current cash-out rates.
One practical tip: if you're expecting a payment from abroad, ask the sender to choose the destination based on speed and amount. Small frequent payments below US$1,000 are almost always cheaper via a remittance app to your wallet. Mid-size payments (US$1,000–10,000) work well to your bank account via the same apps. Genuinely large payments (above US$50,000) are usually only practical via a SWIFT wire, even though they're the most expensive per dollar at that band.
| Bank code | Country | Location |
|---|---|---|
| ACCC | GH | AC |
| CalBank | GH (Ghana) | Accra |
An 11-character variant like ACCCGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'ACCCGHAC001') refer to specific branches.
Check any SWIFT/BIC code is correctly formatted before a transfer.
vs GHS (Ghanaian Cedi)
CalBank, founded in 1990 as Continental Acceptances Limited, was renamed CAL Merchant Bank in 1995 and obtained a universal banking licence in 2004, becoming CalBank in 2007. The bank is listed on the Ghana Stock Exchange and operates approximately 30 branches across Ghana with a strong corporate-banking focus alongside retail offerings. The bank's correct SWIFT code is ACCCGHAC (not the variant ECCEGHAC that appears in some older directories — verified June 2026 against Wise, TheSwiftCodes, bank.codes, and Remitly). The 11-character form ACCCGHACXXX explicitly designates the head office on Independence Avenue, Accra. Senders should always confirm the active code on the bank's own channel before initiating a wire.
23 Independence Avenue, Accra
Map centred on Accra. Click "View on OpenStreetMap" below for precise location.
CalBank — Ghana's commercial bank (founded 1990) — has the SWIFT/BIC code ACCCGHAC. The 8-character base BIC ACCCGHAC targets the Accra head office; the 11-character variant ACCCGHACXXX names that same head office explicitly. You only need it for receiving an INTERNATIONAL wire (from another country). For transfers from another Ghana account, you just use your account number plus the domestic rail (GIP).
Yes. Operators like WorldRemit, Sendwave, Afriex, and Flutterwave Send let a sender abroad deposit directly into MTN MoMo without going through your CalBank account. It's usually faster and cheaper than a SWIFT wire for smaller amounts. You can then move funds to CalBank via GIP if needed.
Via GhIPSS Instant Pay (GIP), which interconnects banks and wallets in real time. From the CalBank app: add MTN MoMo as a beneficiary with your phone number, and the transfer arrives instantly. See our Ghana mobile money fees page for the exact cost.
For amounts under ~US$5,000, a remittance app (Wise, LemFi, Sendwave) depositing direct to your CalBank account is almost always cheaper than a classic SWIFT wire — lower fees and a rate closer to mid-market. For larger amounts, compare SWIFT vs app on our Ghana inbound transfer comparison.
Yes. CalBank is connected to GhIPSS Instant Pay (GIP), which enables near-instant transfers to other Ghana banks and to mobile money wallets (MTN MoMo, Telecel Cash, AirtelTigo Money). This is the infrastructure remittance apps use behind the scenes to deliver in real time.
Source: CalBank'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.