---
title: "Affinity: Personal Banking App in Ghana"
description: "Open an account in Ghana via app/USSD *229# or agents. Save at 5%–11% p.a. (30–365 days), pay bills, transfer; some fees 0.75% capped GHS10."
canonical_url: "https://liners.com/affinity"
markdown_url: "https://liners.com/affinity.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/affinityafrica/screenshot.webp?v=1773249743596"
published_at: "2026-03-13T23:18:40.277Z"
updated_at: "2026-10-05T05:12:24.104Z"
---

# Affinity: Personal Banking App in Ghana

Open an account in Ghana via app/USSD \*229# or agents. Save at 5%–11% p.a. (30–365 days), pay bills, transfer; some fees 0.75% capped GHS10.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Affinity](/affinity)

## Summary

Personal banking in Ghana across app, USSD, and agents

A Ghana personal banking service for individuals and small businesses to open accounts, transfer to mobile money and banks, pay bills, save for interest, and access loans.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.affinityafrica.com/ |
| Tagline | Personal banking in Ghana across app, USSD, and agents |
| Primary country | Ghana |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | Yes |

## About the product

Affinity is a personal banking service in Ghana for individuals and micro and small businesses that want to open an account quickly, move money between mobile money and banks, and save or borrow from one place.

Key capabilities include:

- **Instant account opening** using a Ghanaian mobile number and **Ghana Card** for KYC, available via mobile app, **USSD (*229#)**, and an **agent network** for offline onboarding and cash services.
- **Transfers and payments** to and from **mobile money wallets and bank accounts**, plus **bill payments**, **recurring payments**, **spending limits**, **statements**, and instant notifications.
- **Savings and fixed deposits** with interest-bearing options: **Growth (up to 5% p.a.)**, **Boost (5.5% to 8.5% p.a., 30+ days)**, and **Future fixed deposits (7% to 11% p.a., 91/182/365 days)**; **Daily** is transactional.
- **Loan access,** including **instant loans** tied to a credit score derived from transaction history, plus options to apply for longer-term personal or business loans.

Available on **Android**, **iOS**, and **USSD**.

Target users include Ghanaian consumers, informal sector workers, and **MSMEs**, including people who are new to formal banking.

Notable in Ghana’s fintech market for being **licensed and regulated by the Bank of Ghana** as a savings and loans company and for building interoperability with mobile money and bank transfers while offering **no monthly fees** on its accounts (some transfers to third-party wallets and banks show **0.75% fees capped at GHS 10** on applicable accounts).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Ghana](/countries/ghana): Market

## Related pages

- [Alternatives](/affinity/alternatives)
- [Reviews](/affinity/reviews)
- [Transparency](/affinity/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/affinity)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)