Ghana

Identity verification (KYC) and AML/CFT in Ghana

In Ghana, Côte d’Ivoire’s English-speaking neighbour, the Bank of Ghana supervises banks and the Financial Intelligence Centre receives suspicious transaction reports. Verita reads the Ghana Card, with its number format checked, and the passport, with the interface and decision reasons in English.

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Ghana at a glance

Central bank: Bank of Ghana (BoG), which also supervises banks
Financial intelligence unit: Financial Intelligence Centre (FIC)
FATF-style regional body: GIABA
AML/CFT law: Anti-Money Laundering Act, 2020 (Act 1044)
Data protection: Data Protection Act, 2012 (Act 843); authority: Data Protection Commission
National ID document: Ghana Card, issued by the National Identification Authority (NIA), with a chip
Business register: Office of the Registrar of Companies (ORC); not OHADA
Tax identification number: TIN; for individuals, the Ghana Card number has served as the TIN since April 2021
Currency: Cedi (GHS)
Official language: English
FATF status (June 2026 plenary): Not under increased monitoring
Insurance: Not a CIMA member

What Verita checks today in Ghana

Identity documents: the Ghana Card (with the number format checked) and the passport, with the MRZ read.
Passports from every country, in the ICAO 9303 format.
Face match, liveness and sanctions (UN, OFAC, EU, UK) and PEP screening, as on every file.
Businesses: automatic registry cross-checks are available for Côte d’Ivoire; for Ghana, we scope them in a pilot.

The AML/CFT framework in Ghana

Ghana is part of neither the WAEMU nor OHADA. The Bank of Ghana supervises banks, and the Anti-Money Laundering Act, 2020 (Act 1044), which replaced the 2008 Act, establishes the Financial Intelligence Centre. The country is a member of GIABA; it was not under FATF increased monitoring after the June 2026 plenary.

What is set up in a pilot

Verita is built for the BCEAO framework. For Ghana, the national rules and the FIU’s report format are set up with your compliance team in a pilot.

Personal data

The Data Protection Act, 2012 (Act 843), supervised by the Data Protection Commission, governs the processing of personal data in Ghana; face photos and identity documents are part of it. Verita can be installed on your own servers so that this data stays inside your perimeter, and every access is logged in the audit trail.

Frequently asked questions

Does Verita read the Ghana Card?

Yes. The Ghana Card and the passport are supported, with the number format checked, along with face match and liveness.

Who do banks in Ghana report suspicions to?

To the Financial Intelligence Centre (FIC), established by the Anti-Money Laundering Act, 2020 (Act 1044). Verita prepares the report and has it approved by two people in your institution; your reporting officer sends it.

Is KYB available in Ghana?

Automatic business-registry cross-checks are available for Côte d’Ivoire. For this country, we scope them with you in a pilot.

Can Verita be installed on our own servers?

Yes. On-premise installation is possible: documents and personal data never leave your infrastructure.

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