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National Investment Bank PLC

Ghana's trusted banking partner since 1952. We provide innovative financial solutions to help you achieve your dreams and secure your future.

Banking

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About NIB

  • About NIB
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  • Executive Management
  • AGM Notice
  • Quarterly Results
  • News
  • Press Releases

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  • Current Rates
  • Forms & Downloads
  • FAQ
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  • Complaints
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  • All Support
  • Whistleblowing
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Head officeCedi House, Liberia Road, Accra, Ghana

Call us030 266 1701-10
Toll-free: 080 000 7777

Email[email protected]

Opening hoursMon-Fri: 8:00AM - 5:00PM

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Licensed by the Bank of Ghana. Learn about deposit protection from the Ghana Deposit Protection Corporation.

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Home/Personal Banking

Personal Banking

Banking made simple. A range of retail products designed with you in mind, giving you safe, convenient access to your funds wherever you are, at any time.

PersonalBusinessDigital
A NIB banker at his desk
Bank with usBorrow, grow & protectWays to bankGet started

What would you like to do?

Open an account
Apply for a loan
Save and invest
Bank on your phone
Find a branch
Forms & downloads

Bank with us

Everyday accounts, from a simple current account to private banking.

Current Accounts

Suitable for almost anybody looking for a transactional account without boundaries.

  • Personalised cheque books
  • Free access to all NIB ATMs nationwide
  • Personalised MasterCard and GHLink debit cards
  • Optional life insurance cover from GLICO
Learn more

Savings Accounts

Interest-bearing accounts designed to help you save towards your goals.

  • Interest bearing, with withdrawal limits
  • Personalised withdrawal books
  • Optional MasterCard and GHLink debit cards
  • Minimum operating balances apply
Learn more

Private Excel Banking

An exclusive private banking service for individuals who demand excellence.

  • Platinum Black
  • Excel Executive
  • Excel Gold Account
  • Home Bound Account
Learn more

Borrow, grow and protect

Loans, investments and insurance for the moments that matter.

Borrow

Personal Loans

Bridge income gaps or cover emergencies with flexible loan options.

  • Scheme Loans
  • Kwik Loans
  • Salary Advanced
  • Cash Backed Loans
Learn more

Grow your money

Investment Products

Simple, fast investment products that yield higher returns than standard savings accounts.

  • Investment Plus Accounts
  • Trust Investments
  • Fixed Deposits
  • Call Deposits
Learn more

Protect what matters

Bancassurance

Insurance products in partnership with GLICO for complete peace of mind.

  • NIB Education Plan
  • NIB Ideal Funeral Plan
  • NIB Personal Accident Plan
  • NIB Life Savings
Learn more

Bank at your convenience

Use whichever channel suits you, on any device.

Internet Banking

NIB Mobile App

Fastlink USSD *710#

SMS Alerts

NIB Debit MasterCards

Getting started

Opening an account takes three steps.

1

Choose an account

Compare the accounts above and pick the one that fits how you bank.

2

Get the form

Download the account opening form from Forms & Downloads, or ask at any branch.

3

Visit a branch

Take it to your nearest branch, where our team will complete the process with you.

Why bank with NIB

Safe & secure

Your funds are protected with bank-level security and optional insurance cover.

Global access

Reach your money anywhere with MasterCard debit cards and a wide ATM network.

Personal service

Tailored banking solutions and a team that knows your needs.

Competitive returns

Earn attractive interest on savings and investment products.

Ready to bank with NIB?

Visit your nearest branch or get in touch, and our team will help you choose the right account.

Find a BranchContact Us