ZEPLGHAC11-character variant (head office):
ZEPLGHACXXX| Bank code | Country | Location |
|---|---|---|
| ZEPL | GH | AC |
| Zenith Ghana | GH (Ghana) | Accra |
An 11-character variant like ZEPLGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'ZEPLGHAC001') refer to specific branches.
Zenith Bank Ghana is the Ghanaian subsidiary of Nigeria's Zenith Bank, established in Accra in 2005. The bank operates around 30 branches and focuses on corporate banking, trade finance, and high-net-worth retail customers. Zenith Ghana benefits from parent-bank correspondent relationships, enabling efficient routing of inbound diaspora wires from the UK, US, and Eurozone. The SWIFT code ZEPLGHAC uses bank code ZEPL (a Ghana-specific variant of the Zenith family rather than the Nigerian ZEIB prefix) plus GH for Ghana and AC for Accra. The 11-character form ZEPLGHACXXX is used by some sending banks; both forms route to the same Accra head office.
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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 Zenith Ghana, your sending bank needs this code (ZEPLGHAC) to route the payment message through correspondent banks to Zenith 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 ZEPLGHAC + 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 Zenith 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 ZEPLGHACXXX), 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.
Zenith Bank Ghana's SWIFT/BIC code is ZEPLGHAC. 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 Zenith Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Zenith Ghana account, the sender needs SWIFT code ZEPLGHAC AND your account number. Some sending banks also request the recipient bank's full address (Independence Avenue, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Zenith 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: Zenith 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.