Personal Banking
Save a little. Grow a lot.
Everyday accounts and savings built around how our communities actually earn — daily, seasonally and everything in between.
Accounts & Savings
Choose the account that fits your life
Smart Saver Account
A flexible everyday savings account that pays up to 6.5% p.a. while keeping your money within reach.
- Open with as little as GHS 20
- Interest paid every quarter
- Free e-statements and SMS alerts
Susu Daily Savings
Doorstep banking for traders and artisans — our bonded agents collect your savings right at your stall.
- Daily collection at your workplace
- Interest on every cedi saved
- Micro-advances after three months
Fixed Deposit
Lock funds away for 91 to 365 days and earn our best guaranteed rates.
- Up to 12.5% p.a. for 365-day tenors
- Certificate issued on the spot
- Roll over interest or take it home
Ziope Kiddies Account
Save towards school fees and give every child a financial head start.
- Bonus interest for young savers
- Withdrawals limited to school-fee periods
- Free savings passbook
Current Account
A cheque-ready account for salaried workers, professionals and institutions.
- Personalised cheque book
- Free inter-branch transfers
- Overdraft up to one month’s salary
Agency & Mobile Banking
Bank at any Ziope agent kiosk or straight from your phone — no travelling required.
- Cash-in and cash-out at agents
- Balance checks by USSD
- Works on any phone, no data needed
SME Business Account
A transactional account built for shops, contractors and growing enterprises.
- Local transfers and bulk payments
- Dedicated relationship officer
- Free business advisory clinics
Getting Started
Open an account in three simple steps
Start online
Begin your application here on the website — it takes about three minutes.
Verify at any branch
Bring your Ghana Card, two passport photographs and your opening balance (from GHS 20).
Start banking
Accounts are opened the same day, and your passbook or e-statement is ready instantly.
Questions
Personal banking FAQs
Can't find your answer? Call us, send a message, or pass by any branch — we like visitors.
Ready to grow with us?
Open an account in minutes online, or walk into any Ziope Rural Bank branch — our team is ready to help you save, borrow and grow.