ACCCGHAC11-character variant (head office):
ACCCGHACXXX| 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.
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.
vs GHS (Ghanaian Cedi)
Compare international operators that can deposit to a CalBank account through their banking partner network.
Wise is a MomoCalc affiliate partner — we may earn a commission if you open an account via this link, at no extra cost to you.
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 CalBank, your sending bank needs this code (ACCCGHAC) to route the payment message through correspondent banks to CalBank 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 ACCCGHAC + 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 CalBank, 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 ACCCGHACXXX), 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.
CalBank's SWIFT/BIC code is ACCCGHAC. 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 CalBank's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your CalBank account, the sender needs SWIFT code ACCCGHAC AND your account number. Some sending banks also request the recipient bank's full address (23 Independence Avenue, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and CalBank. 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: 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.