Enyan Denkyira 

Rural Bank

PRODUCTS & services





A minimum initial deposit of GHS30.00 is required to open the account. You do not need to keep a minimum balance in the account. You may have to pay a monthly service fee

Lets you spend less time banking - and more time living - because we know you want good service and convenient access to your money. A Personal Current Account is a flexible transactional account that comes with a chequebook and an ATM card – giving you easy access to your money through any of our branches and ATMs across the country, and also via the internet.


Current Accounts Requirements


  • You have to be at least 18 years
  • You can be a salaried worker or self-employed
  • Be a resident or non-resident Ghanaian, or resident non-Ghanaian with a valid residence permit.
  • Visit your nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport)
  • Two passport-size photographs
  • Proof of address - a utility bill less than three months old.


We know you have lifestyle aspirations and that sometimes you need the right financing to realise your goals. Our Unsecured Personal Loans are flexible, short- to medium-term loans tailored to meet your personal financing needs such as buying household or electronic appliances, education expenses, home improvements, car maintenance, rent advance and other personal expenses.


Borrowing Requirements


  • You must work for an organisation profiled by us
  • You have to be in employment for at least six months and confirmed in current job role
  • You must have held an account with us for at least one month. (For salaried account holders)
  • You do not need to have an account with us for direct payroll deductions
  • Must be 21 years and not more than 60 years by facility expiry
  • Ghanaian citizen or legal resident in Ghana (expatriates)
  • Fill in the Unsecured Personal Loan application form and attach the following documents
  • Proof of income – last three months’ payslips
  • Proof of identity - passport, driver’s licence, Voters’ Identity Card
  • Proof of address - utility bill less than three months old
  • Letter of Undertaking from employer
  • Six months’ bank statements (for new customers only)
  • Passport photo (Direct payroll deduction customers only)
  • Loan will be approved subject to a positive credit bureau report



1. Fixed Term Loans (FTL): A short-term personal loan is ideal if you earn a minimum net salary of GHS400 a month.

2. Revolving Term Loan (RTL): A short- to medium-term revolving personal loan if you earn a minimum net salary of GHS700 a month.

3. Employer Managed Scheme Loan (EMS): A short- to medium-term personal loan structured for salaried employees on our Workplace Banking Group Scheme who earn a minimum net salary of GHS300 a month at negotiated concessionary rates.



Savings/Investments  Requirements


  • Be over 18 years old.
  • Visit your nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport).
  • Two passport-sized photographs.
  • Proof of address- utility bill less than three months old.

An account used to save towards a particular goal or purchase, or to give you the peace of mind that comes from knowing you're ready for the unexpected. You earn interest each month, which means your money grows faster and you reach your financial goals quickly. You also get a debit card, which can be used at ATMs and point-of-sale terminals nationwide.



  • A minimum deposit of GHS50.00 is needed to open an account.
  • You must keep a minimum of GHS50.00 in your account at all times



Enyan Denkyira Rural Bank Ltd

P. O. Box 15, Enyan Denkyira, 

Central Region, Ghana., 



9am - 3pm ( Mon - Fri)


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