Agency Banking
Bringing Banking
Closer to Your Community
Agency Banking allows customers to access essential banking services through trusted third-party merchants and agents — reducing travel time, increasing convenience, and expanding financial access across Ghana.
Services Available at Our Agents
Convenient banking services delivered securely in your neighborhood.
Cash Deposit
Deposit cash directly into your account instantly.
Cash Withdrawal
Withdraw funds securely without visiting a branch.
Interbank Transfer
Transfer funds across banks in real time.
Digital Account Opening
Open an account digitally at agent locations.
Bill Payments
Pay utilities and other bills conveniently.
Why Choose Agency Banking?
- Operate through trusted and authorized third-party agents
- Extended service hours beyond branch timing
- Secure and real-time transactions
- Reduced travel and transport costs
- Supports rural and peri-urban financial inclusion
- Supervised and regulated by the Bank
- Access to Sika Save Account tailored for local communities
Empowering Communities
Agency Banking bridges the gap between financial institutions and underserved communities — driving growth, trust, and economic participation across Ghana.
Requirements
What you need to get started.
For Agents
- • Legally registered business
- • Active business account with the Bank
- • Suitable business location
- • Compliance with regulatory requirements
- • Maintain minimum float balance
For Customers
- • Valid account with the Bank
- • Recognized identification (Ghana Card)
- • Third-party transaction support
- • Compliance with transaction limits
Find an Authorized Sika Agent Near You
Access Agency Banking services through our growing network of authorized Sika Agents across Ghana. Search by region, location, GPS address or agent name to find the most convenient agent.
Nationwide Coverage
Search agents by region and location.