← The NELLA blog

Opening a business bank account in Ghana: the documents banks actually ask for

NELLA Support Team · 2 July 2026

Registration is step one; banking is step two. Most Ghanaian banks ask for a similar core file, but arriving with an incomplete one is the most common reason founders make two or three trips.

For a registered business name (sole proprietor)

Expect to present: the certificate of registration, the Form A (or current certified particulars), your Ghana Card, proof of address, and your TIN. Some banks ask for a small initial deposit.

For a company limited by shares

The file grows: certificate of incorporation, company constitution (if adopted), Forms 3 — the ORC-certified particulars showing directors and shareholders, board resolution authorising the account and naming signatories, Ghana Cards and TINs for all signatories, and proof of the registered address.

Tips that save a trip

Take originals plus photocopies; banks certify against the original. Make sure the beneficial ownership filing is done — banks increasingly check. If a director is abroad, ask the bank in advance which documents can be certified remotely; our Diaspora Starter Package includes a bank introduction letter for exactly this situation.

All your NELLA-issued certificates live permanently in your document vault, so replacing a lost paper is never a crisis.

Ready to make it official? Browse our registration services or create a free account — flat fees, fully online, updates at every step.