Secure digital banking for personal, business, and investment clients

USD banking built for Ghana's next generation of growth.

Unity Capital helps individuals, founders, exporters, families, and institutions bank in USD with speed, protection, and human support from Accra.

Open Account Apply for Loan
24/7 fraud monitoring USD deposits Same-day business onboarding
Open AccountStart in minutes Apply for LoanPersonal and SME Credit CardsUSD rewards Locate BranchAccra network Download AppiOS and Android

Personal banking

Everyday banking that feels fast, clear, and protected.

Save, spend, transfer, and plan in USD with accounts designed for students, professionals, families, and global earners.

Savings

Unity USD Savings

Earn competitive interest while keeping funds available for bills, travel, school fees, and emergency goals.

  • No monthly maintenance fee
  • Instant transfers inside Unity Capital
  • Goal vaults and automatic saving rules
Up to 4.20% APYOpen savings
Checking

Unity Everyday Account

A simple USD account with debit card access, mobile alerts, bill payments, and transparent fees.

  • Contactless debit card
  • Free mobile money top-ups
  • Real-time transaction alerts
$0 minimum openingStart banking
Cards

Unity Signature Card

A premium USD credit card for travel, online subscriptions, business purchases, and everyday rewards.

  • 1.5% cashback on eligible spend
  • Virtual card controls
  • Card freeze from the app
From 16.9% APRCheck eligibility

Business banking

Built for founders, traders, exporters, and growing teams.

Unity Capital gives Ghanaian businesses the tools to receive USD, pay suppliers, manage cash flow, and make confident decisions with clear reporting.

Multi-user approvalsBulk payroll and supplier paymentsInvoice links and merchant collectionsDedicated relationship managers
Open Business Account
Business Operating AccountUSD
Available balance$284,920.75
Receivables$48,300
Payroll$19,740
Supplier transfer approved-$8,600
Export settlement received+$24,900
Card spend controls updatedDone

Loans and mortgages

Capital when opportunity cannot wait.

Transparent USD financing for homes, education, vehicles, working capital, and expansion.

Personal Loan

For education, travel, medical needs, and major purchases.

From 10.5%

SME Growth Loan

Flexible capital for inventory, equipment, payroll, and expansion.

Up to $500k

Mortgage

USD home financing with guided approval and clear monthly payments.

Up to 25 years

Trade Finance

Letters of credit, guarantees, and supplier payment support.

Global ready

Security and fraud alerts

Bank with confidence, day and night.

Every Unity Capital account is protected by encryption, multi-factor authentication, real-time monitoring, card controls, and dedicated fraud specialists.

Report Suspicious Activity

Live Security Notices

  • Scam warning: Ignore messages requesting OTPs or card PINs.
  • Card help: Freeze a lost card instantly in the app or call support.
  • Safe login: Use only unitycapital.example for online banking.

Emergency support: +233 30 000 8800

Market Insight

Our advisors publish short, practical notes on USD savings, inflation protection, business cash flow, and long-term investing.

Read latest guide

Investments

Grow beyond deposits with guided investment options.

Start with treasury products, managed portfolios, education planning, and advisory support tailored to your risk profile.

USD fixed incomeGoal-based portfoliosRetirement planningAdvisor appointments

Financial education

Practical knowledge for smarter money decisions.

Guide

How to build a USD emergency fund

Simple steps for protecting your household against surprise expenses.

Fraud prevention

Five signs a payment request is fake

Learn the warning signals before you send money or share details.

Business

Cash flow habits for growing SMEs

How disciplined forecasting helps teams plan stock, payroll, and taxes.

ATM and branch locator

Accra support when you need a real person.

Find Unity Capital teams across the city, with appointment booking for account opening, loans, cards, and advisory services.

Head Office, Independence AvenueOpen today 8:30 AM - 5:00 PM
Airport City Advisory LoungeBusiness and investment services
Osu Digital Service CenterCards, account support, and ATM
East Legon SME DeskSME loans and merchant onboarding

Mobile-first banking

Unity Capital in your pocket.

Send money, freeze cards, deposit checks, track spending, manage USD goals, and chat with support from a secure mobile app.

Download AppSee app support
Unity Capital$18,420.90

Fraud monitoring active

Next bill: School fees, $1,200

Live support

Help is always visible.

Reach Unity Capital through live chat, phone, WhatsApp, callback requests, or in-branch appointments.

Live Chat

Get help with accounts, transfers, cards, and app access.

WhatsApp

Message support for appointment booking and service questions.

Open WhatsApp

Callback

Choose a time and a Unity Capital specialist will call you.

Request Callback

"Unity Capital helped us receive USD payments and pay suppliers without confusion. The business dashboard is clean and fast."

Akosua MensahFounder, Accra

"The app alerts are instant, the card controls are simple, and support actually answers when I need help."

Daniel BoatengPersonal banking client

"Their advisors explained every investment option clearly. It felt professional from the first meeting."

Leila OwusuInvestment client

Join Unity Capital

Open a USD account with a bank designed to win trust.

Start online, verify securely, and choose personal, business, or investment banking in one guided flow.