How to open a bank account in the UK for Ghana residents?

                Did you ever think about how to send money to Ghana? In this article, we will throw light on the requirements of opening a bank account in the United Kingdom, with particular emphasis on the requirements for a resident of Ghana – a Sub Saharan African country.

Historical perspective:- With the advent of banks in the modern shape about a century ago, it became easy and convenient for people to conduct their financial activities in a safe and secured environment as prior to the establishment of the banking industry, handling cash for any purpose was not without perils and dangers.  People were prone to get robbed and deprived of their money and money as well as valuables. Money transfer to Ghana from the UK was just like a dream at that time.

As time progressed, the ways banks operated kept getting refined and sophisticated. People thronged these financial institutions to avail themselves of their services, for which purpose they were required to open bank accounts.

In the early days, opening a bank account for anyone was full of fatigue, and the process was cumbersome. Be it a native person of a country or a foreigner, the opening of a bank account was equally hard and difficult. Banks would require loads of papers and guarantees etc., in order to open an account. It merits mentioning here that these are some of the requirements of almost all the banks operating worldwide, which are still intact but modern.

Modern times:- Fast forward to the modern era. In modern times, all the banks across the world practice their requirements when it comes to opening a bank account for their customers, but the ways have evolved to a huge extent and have become highly sophisticated.

Now let’s look at what a Ghana resident is required to produce to open a bank account in the United Kingdom & to send money to Ghana online from the  UK.

The requirements:- Here is a list of documents you need to open a bank account in the United Kingdom bank if you are a Ghana resident and are equally applicable both in-branch and online.

Identity:- The first document you are supposed to produce in order to open a bank account in a United Kingdom bank is the identity which is always a photo identity. This photo identity you can prove through your passport or your driver’s license or your identity card. But, beware! The first of these three documents and the most preferred choice for the concerned bank is going to be the identity card failing to provide which you will be required to provide the other two documents in order to prove your identity.

Address:- The other important document without which you cannot open a bank account is the proof of your address regardless if you are an expatriate or living in your home country Ghana. Each bank accepts different documents to prove your identity, but by and large, these will be either of the following:

  • A tenancy agreement or mortgage statement;
  • A recent electricity bill or a gas bill (less than three months old);
  • A recent bank or credit card statement (less than three months old);
  • A recent council tax bill.

Conclusion:- These are some of the documents you need to open a bank account in any of the banks across the United Kingdom whether you live in the United Kingdom or you are the resident of another country located in the far-flung parts of the world, which means that no matter if you wish to open an in-branch account or a virtual or online bank account these requirements will remain the same. Online money transfer to Ghana from abroad is a secure and quick way for international transactions.