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Public Service Pack

The Public Service Pack is a bundled products and services offering for public and civil servants which enable them benefit from tariff advantages through a comprehensive set of products and services.


  • Current account
  • Savings account
  • Ambitious Savings Plan
  • No COT
  • Flat monthly fee
  • Free cheque books
  • Free ATM withdrawals at BANK OF AFRICA in Ghana ATMs
  • Overdraft of up to 50% of salary (if application approved)
  • One month automatic net salary loan repayable within 10 months
  • Credit life insurance
  • Means of payment insurance
  • Free SMS alerts
  • Free internet banking
  • Discount on employee loan processing and commitment fees
  • Attractive overdraft and loan interest rates


  • Competitive pricing for services and loans
  • An overdraft facility available during emergencies
  • Automatic loan (one month net salary) with easy repayment terms
  • Flat monthly fee

Operating Rules

  • 1 year contract
  • Automatically renewed every year
  • The customer may terminate the contract at one month notice before renewal date
  • Balance has to be positive on the date of termination


  • Aged minimum 18 years and maximum 59 years at the date of signature of the package
  • Salaried workers of Public Institutions
  • Net monthly salary of minimum GHS 500.00
  • Non blacklisted individuals

Documents to produce:

  • Filled Public Service Pack opening form
  • Proof of Identity (Voters’ ID, Drivers’ License, Passport etc)
  • 1 passport size picture.
  • Proof of address: utility bill, directional map, etc.