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Payment Instructions

General instructions for international payments to banks in GHANA:

Information provided by the Beneficiary: Remitter should obtain all required bank information from the Beneficiary (e.g. SWIFT BIC, account number, and beneficiary bank address).

Central Bank: For additional information, please refer to www.bog.gov.gh.

Payment Formatting Rules for GHS

• Ordering Customer (SWIFT MT103 F50): Include account number, full name (no initials), and address of the ordering customer. Use of initials can delay receipt of funds by the beneficiary.
• Beneficiary Customer (SWIFT MT103 F59): Include account number, full name (no initials), and address of the beneficiary customer. Use of initials may delay receipt of funds by the beneficiary.
• Beneficiary Bank (SWIFT MT103 F57): Include SWIFT BIC with branch identifier, full name, and address of the beneficiary bank. There are no specific bank clearing codes in this country for cross-border payments. SWIFT BIC is key to routing payments to the beneficiary bank. SWIFT BIC is 8 or 11 alphanumeric characters: xxxxGHxx or xxxxGHxxxxx. Bank branch code is recommended to avoid payment delays.
• Reason for Payment (SWIFT MT103 F70): Purpose of payment is recommended.

IBAN: No

Correspondent Banks

Standard Settlement Instructions (SSI) contain the list of correspondent banks of STANDARD CHARTERED BANK GHANA PLC for each currency.

Payment Tracking

To track a SWIFT cross-border payment to or from STANDARD CHARTERED BANK GHANA PLC, you need a UETR code, reference number, amount, payment date, and currency. This information is typically found in an MT103 form.

Other Branches

Disclaimers

We are doing our best to demystify cross-border payments, however TrackMySwift is not responsible for any delays or losses related to usage of the information and services from our web site. Please contact your banks to receive a safe advise. Country-specific payment instructions have been prepared based on Global Wires Payments Formatting Requirements Guide from J.P.Morgan.