Capital Bank Ghana: Savings Accounts, Loans, Contacts and Details

Capital Bank Ghana: Savings Accounts, Loans, Contacts and Details… Featured in this post-session is the Capital Bank: Savings Accounts, Loans, Contacts and Details.


Capital Bank previously First Capital Plus Bank is an indigenous private national development and commercial Ghanaian bank. It is one of the private national development and commercial banks licensed by Bank of Ghana, the national banking regulator. It is one of the few wholly owned Ghanaian banks. Capital Bank was founded by William Ato Essien on 29 October 2009 as a micro finance company. As the assets of the company grew, it became a Savings and Loans Company known as First Capital Plus Saving and Loans Company. In 2010 the micro finance grew its deposit base to 36.06 million cedis and total asset size of 47.18 million cedis.

In 2013 First Capital Plus Bank had deposit base of 211.11 million cedis and total assets of 286.80million cedis. The Bank of Ghana states that FCP has a market share of 16% of the advances of savings and loans companies and 19% of the sector total assets. The Bank currently employs 355 and has 15 branches covering five regions.The company grew its base deposit and assets from its inception till 2013 when it applied and was awarded a provisional universal banking license in July, 2012. After the six month provisional period, the bank was given a full license on 4 December 2013 and became officially known as First Capital Plus Bank. The firm later re-branded to Capital Bank in 2015.

The bank offers mainstream banking services which include cash deposits and withdrawals, savings and loans and financial advise consultation. In 2011 it introduced a cash deposit service known as SpeedBanking. The service allows bank customers to deposit cash into their bank accounts at their convenience through their mobile phones without physically being present in any bank branch.

Requirements for opening an Account

  • Completed account opening form
  • National ID (Eg: Voters, NHIS, passport, driver’s license)
  • 1 passport size photographs (Preferably on a white background)
  • Proof of Address (Eg: Utility Bill, Directional Map, Rent Agreement, etc)

Capital Bank Loans

Capital SmartLoan

This is a Personal loan that caters to your specific needs. Whether you want to go on a dream vacation, renovate and remodel your home or make a sound investment to spur on wealth creation, we can help you to achieve these goals in two ways:

Open a current account with Capital Bank today and receive your salary through it for just 3 months and receive a concessionary terms and conditions on your personal loans Sign on with any of the Personal Banking services at Capital Bank aside your Business Banking services and get an Executive Personal loans or temporary overdrafts.

Workplace Banking Loans

Workplace Banking Loan is a credit facility that enables employees to source for unsecured loan facilities from CapitalBank. Employees applying for loans need not have an account with CapitalBank.

Capital Asset Leasing


This is aimed at aiding you to meet your asset finance needs from credible vendors

Capital Personal Overdrafts


This a Salary Advance (Capital Salad) tailored to meet an immediate financial need of only salary account holders.

Capital Bank Contacts


Location:Plot No. 53, Spintex Rd. Accra,
Telephone: +233 0303409060-89,+233 0800 10051

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