SBICGHAC11-character variant (head office):
SBICGHACXXXWhether funds come from abroad or another local account, here's how to receive — and what it costs.
Sender uses SBICGHAC + your account number.
Sender uses Wise, LemFi, or Sendwave to deposit into your account.
Receive into MTN MoMo, then move to Stanbic Ghana 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 |
|---|---|---|
| SBIC | GH | AC |
| Stanbic Ghana | GH (Ghana) | Accra |
An 11-character variant like SBICGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'SBICGHAC001') refer to specific branches.
Check any SWIFT/BIC code is correctly formatted before a transfer.
vs GHS (Ghanaian Cedi)
Stanbic Bank Ghana is part of South Africa's Standard Bank Group, Africa's largest banking institution by assets. Established in Ghana in 1999, the bank operates around 30 branches and focuses on corporate and investment banking alongside retail offerings. Stanbic's SWIFT code SBICGHAC uses the same Standard Bank Group bank-code prefix (SBIC) seen across the group's African subsidiaries, with GH for Ghana and AC for Accra. The long form SBICGHACXXX explicitly identifies the head office. Diaspora and corporate flows from the UK, US, and Eurozone routing into Ghanaian Cedi accounts via the Standard Bank correspondent network commonly transit through this identifier.
Stanbic Heights, Airport City, Accra
Map centred on Accra. Click "View on OpenStreetMap" below for precise location.
Stanbic Bank Ghana — Ghana's commercial bank (founded 1999) — has the SWIFT/BIC code SBICGHAC. The 8-character base BIC SBICGHAC targets the Accra head office; the 11-character variant SBICGHACXXX 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 Stanbic Ghana account. It's usually faster and cheaper than a SWIFT wire for smaller amounts. You can then move funds to Stanbic Ghana via GIP if needed.
Via GhIPSS Instant Pay (GIP), which interconnects banks and wallets in real time. From the Stanbic Ghana 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 Stanbic Ghana 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. Stanbic Ghana 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: Stanbic 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.