Ghana’s banking sector is a growing market supervised by the Bank of Ghana (BoG), the sector has seen an increased digital adoption, strong asset/deposit growth, and a shift toward robust financial health after the 2017 recapitalization exercise.
OmniBSIC Bank is a universal bank, tracing its roots to a successful merger and subsequent recapitalization between the erstwhile OmniBank and Sahel Sahara Bank, resulting in a bigger and better brand.
OmniBSIC has reinforced its corporate governance structures and invested in infrastructure to become ISO and PCI-DSS Certified, in line with the Bank of Ghana’s Regulatory standards.
The Bank is dedicated to maintaining the highest level of service quality, integrity, transparency and accountability in all operations, thereby creating reliable systems and standards for clients to carry out their banking activities with confidence while maintaining a decent return on investment for shareholders. Employees are carefully selected, trained and supported to appreciate and deliver complete banking solutions while ensuring customer satisfaction.
OmniBSIC provides a broad range of retail banking products designed to meet the diverse financial needs of individual customers. These include Savings Accounts, which enable customers to save securely while earning interest, and Current Accounts, designed to support frequent transactions such as salary payments, transfers, and bill payments.
Furthermore, the Bank offers a Smart Salary Account, tailored for salaried employees and embedded with insurance benefits to enhance financial protection and well-being. Additionally, OmniBSIC provides Foreign Currency and Foreign Exchange Accounts for customers who transact in international currencies, supporting both personal and business foreign exchange needs.
To address evolving customer expectations, OmniBSIC has introduced hybrid account offerings that combine savings and transactional features. The FlexSave Account is designed for a wide range of retail customer segments, allowing customers to earn interest on their balances while enjoying transactional flexibility, including cheque usage. The Classic Account, targeted at High Net-Worth Individuals (HNIs), offers premium banking features combined with interest earnings and full transactional capabilities, including cheque issuance and concierge services.
Customers can conveniently access their funds through a suite of card products, including Visa debit cards, Visa prepaid cards, and Visa credit cards. Debit cards facilitate local and international cash withdrawals and payments, while prepaid cards support controlled spending without direct linkage to customer accounts. Credit cards provide short-term credit with flexible repayment options. OmniBSIC also supports the e-zwich biometric card, which uses fingerprint verification to enhance security and promote financial inclusion, particularly for unbanked and underbanked populations.
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Digital and Electronic Banking Services
Digital banking is central to OmniBSIC’s service delivery model. The Bank offers Internet Banking, enabling customers to view account balances, transfer funds, pay bills, and download statements online. The Mobile Banking Application provides similar services on smartphones, allowing customers to manage their finances anytime and anywhere. In addition, the *USSD banking service (788#) enables customers to conduct basic banking transactions on mobile phones without internet access.
OmniBSIC also provides POS services for merchants and mobile money integration to support seamless electronic collections, merchant transactions, and funeral contribution payments. These services promote cashless transactions and improve convenience for individuals and businesses.
The Bank participates in national, regional, and international payment systems, including GhIPSS (GIS), PAPSS, and SWIFT, enabling efficient interbank transfers and cross-border payments.
SME Banking Solutions
OmniBSIC recognizes Small and Medium Enterprises (SMEs) as key drivers of economic growth and offers tailored banking solutions to support their operations. These include SME current accounts designed for business transactions, complemented by access to digital banking platforms, SMS alerts, and card services. The Bank also provides cash collection services, payment solutions, and advisory support to help SMEs manage cash flows efficiently. In addition, SMEs can access financing to support working capital requirements and business expansion.
Corporate and Institutional Banking
For large corporates, institutions, and government entities, OmniBSIC offers comprehensive Corporate and Institutional Banking solutions. These include corporate current and savings accounts, cash management services, and electronic payment solutions designed to support high transaction volumes efficiently. The Bank also provides foreign exchange and trade-related services, facilitating international trade and cross-border transactions.
Credit Facilities and Guarantees
OmniBSIC offers a wide range of credit facilities to individuals and businesses, including personal loans, scheme loans, overdrafts, term loans, and cash-backed loans. Businesses can also access working capital finance, receivables financing, and project-related funding to support operational and expansion needs.
In addition, the Bank provides guarantee and trade-related products, such as bid bonds, advance payment guarantees, performance guarantees, retention guarantees, and comfort letters. These instruments support customers involved in contracts, construction, procurement, and other commercial engagements.
It was because of giving high quality digital/electronic banking services and SME Banking Solutions, that Brands Review Magazine awarded OmniBSIC Bank with the reputed title of ‘Outstanding Banking Brand of The Year Ghana 2025.’
Bancassurance and Wealth Solutions
Through strategic partnerships with insurance providers, OmniBSIC delivers Bancassurance and Wealth Solutions that integrate banking and insurance services. These offerings include education plans, wealth accumulation plans, life and protection insurance products, and other long-term financial planning solutions designed to help customers manage risk, build wealth, and achieve financial security.
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