2025: Best Savings Accounts in Ghana with High Interest Rates

In 2025, saving wisely in Ghana means looking beyond just stashing cash in any bank. With inflation and rising living costs, your money needs to earn more while sitting safely. The good news? Several Ghanaian banks now offer high-interest savings accounts tailored for students, workers, entrepreneurs, and digital users.

Below is a list of the best savings accounts in Ghana for 2025 with the highest interest rates, flexible access, and solid digital banking support.

1. Fidelity Bank – Smart Account

• Interest Rate: Up to 10% per annum

• Minimum Opening Balance: GHS 10

• Features:

  • No monthly maintenance fees

  • Easy mobile banking access (*776#)

  • Suitable for students, young professionals, and low-income earners

Why Choose It?
Best entry-level high-interest account with full mobile support.

2. Absa Bank Ghana – Target Save Account

• Interest Rate: Up to 9% per annum

• Minimum Monthly Deposit: GHS 50

• Features:

  • Flexible savings plans (3–12 months)

  • Bonus interest if you don’t withdraw

  • Perfect for school fees, rent, or travel goals

Why Choose It?
Goal-based savings that reward consistency with higher returns.

3. Stanbic Bank – Fixed/Hi-Income Savings Account

• Interest Rate: 7% – 11% per annum (based on savings amount & duration)

• Minimum Deposit: GHS 1,000 (for fixed savings)

• Features:

  • Tiered interest rates

  • Fixed and flexible options available

  • Mobile and app access for easy monitoring

Why Choose It?
Ideal for professionals or business owners with large sums to save.

4. CalBank – FlexiSave Account

• Interest Rate: Up to 8.5% per annum

• Minimum Opening Balance: GHS 50

• Features:

  • Partial withdrawal allowed without losing all interest

  • Zero account maintenance fee

  • Supports savings discipline with flexibility

Why Choose It?
Great for people who want interest but still need emergency access.

5. Republic Bank – E-Savings Account

• Interest Rate: Up to 8% per annum

• Minimum Opening Balance: GHS 20

• Features:

  • Fully digital – open and manage online

  • Supports young savers and freelancers

  • No paper statements required

Why Choose It?
Perfect for tech-savvy individuals looking for a 100% digital experience.

6. Access Bank – Early Savers (Youth Account)

• Interest Rate: Up to 9% per annum

• Target Group: Youth under 25 and students

• Features:

  • Comes with free ATM card

  • Parental monitoring option

  • Includes financial education support

Why Choose It?
Great for students and parents looking to build savings early.

Summary Table: Best High-Interest Savings Accounts in Ghana (2025)

• Avoid early withdrawals – many accounts penalize or reduce interest

• Use auto-deposit features to build discipline

• Compare offers yearly – banks change rates regularly

• Consider fixed deposit options if you can lock in money longer

Source: Thepressradio.com