FBLIGHAC11-character variant (head office):
FBLIGHACXXX| Bank code | Country | Location |
|---|---|---|
| FBLI | GH | AC |
| Fidelity Ghana | GH (Ghana) | Accra |
An 11-character variant like FBLIGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'FBLIGHAC001') refer to specific branches.
Fidelity Bank Ghana, founded in 2006, is among Ghana's largest indigenous banks. The bank grew rapidly through the 2010s and has built a strong retail and SME franchise plus a notable focus on agriculture and women-led businesses. Fidelity operates more than 70 branches across Ghana and was one of the banks to receive a "well-capitalised" rating during the Bank of Ghana's 2018 sector clean-up. The SWIFT code FBLIGHAC routes wires from the diaspora into Cedi accounts at the head office on Independence Avenue, Accra. The long form FBLIGHACXXX explicitly designates the head office; this Fidelity Ghana code is distinct from Nigeria's Fidelity Bank (FIDTNGLA).
vs GHS (Ghanaian Cedi)
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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 Fidelity Ghana, your sending bank needs this code (FBLIGHAC) to route the payment message through correspondent banks to Fidelity 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 FBLIGHAC + 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 Fidelity 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 FBLIGHACXXX), 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.
Fidelity Bank Ghana's SWIFT/BIC code is FBLIGHAC. 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 Fidelity Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Fidelity Ghana account, the sender needs SWIFT code FBLIGHAC AND your account number. Some sending banks also request the recipient bank's full address (1 Independence Avenue, Ridge, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Fidelity 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: Fidelity 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.