ECOCGHAC11-character variant (head office):
ECOCGHACXXX| Bank code | Country | Location |
|---|---|---|
| ECOC | GH | AC |
| Ecobank Ghana | GH (Ghana) | Accra |
An 11-character variant like ECOCGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'ECOCGHAC001') refer to specific branches.
Ecobank Ghana is part of Ecobank Transnational Incorporated (ETI), the pan-African banking group with subsidiaries in 33 African countries. The Ghana operation, established in 1990, is one of the largest universal banks in the country with more than 75 branches plus integration into the ETI-wide Rapidtransfer platform for cross-border flows. Ecobank Ghana is listed on the Ghana Stock Exchange. The bank's SWIFT code ECOCGHAC routes inbound wires to the head office in Accra; senders moving funds within the Ecobank network across other African markets can often benefit from internal-network settlement rather than external correspondent transit. Long form: ECOCGHACXXX.
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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 Ecobank Ghana, your sending bank needs this code (ECOCGHAC) to route the payment message through correspondent banks to Ecobank 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 ECOCGHAC + 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 Ecobank 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 ECOCGHACXXX), 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.
Ecobank Ghana's SWIFT/BIC code is ECOCGHAC. 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 Ecobank Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Ecobank Ghana account, the sender needs SWIFT code ECOCGHAC AND your account number. Some sending banks also request the recipient bank's full address (Ecobank Ghana Head Office, 2 Morocco Lane, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Ecobank 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: Ecobank 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.