GTBIGHAC11-character variant (head office):
GTBIGHACXXX| Bank code | Country | Location |
|---|---|---|
| GTBI | GH | AC |
| GT Bank Ghana | GH (Ghana) | Accra |
An 11-character variant like GTBIGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'GTBIGHAC001') refer to specific branches.
GT Bank Ghana is the Ghanaian subsidiary of Nigeria's Guaranty Trust Bank, established in Accra in 2006. The bank operates around 35 branches and reflects the parent group's reputation for strong profitability and disciplined risk management. For diaspora senders, GT Bank Ghana's SWIFT code GTBIGHAC mirrors the parent's GTBI bank-code prefix, making intra-group transfers from Nigeria, the UK (via Guaranty Trust Bank UK), or other GTCO subsidiaries especially efficient. The 11-character form GTBIGHACXXX identifies the head office on Castle Road, Accra. The four-character GTBI bank code is distinctive: the same prefix appears across the GTCO group's African and UK operations.
vs GHS (Ghanaian Cedi)
Compare international operators that can deposit to a GT Bank Ghana 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 GT Bank Ghana, your sending bank needs this code (GTBIGHAC) to route the payment message through correspondent banks to GT 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 GTBIGHAC + 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 GT Bank 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 GTBIGHACXXX), 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.
GT Bank Ghana's SWIFT/BIC code is GTBIGHAC. 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 GT Bank Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your GT Bank Ghana account, the sender needs SWIFT code GTBIGHAC AND your account number. Some sending banks also request the recipient bank's full address (25A Castle Road, Ridge, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and GT Bank 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: GT Bank 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.