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Personal Digital Banking

Freedom to manage your money according to your transactional needs. This account provides unrestricted access to clients’ money anytime and anywhere via our branches or electronic channels.


Merchant 24/7 Current Account

The Merchant 24/7 Current Account gives you absolute control over your funds 24/7 by giving you access to vast all Merchant bank branch network, digital banking platforms and over 2,000 agents points.

  • Transact at any Merchant bank branch networks and over 2,000 agent points across the country
  • Track your account 24/7 from anywhere in the world via our secure and easy to use Mobile App
  • Get your personalized checkbook for all your third-part payments
  • Access your funds from over 2 million ATMs worldwide using your Merchant Visa debit card

Merchant Paycheck Plus Account

The Paycheck Plus Account is uniquely tailored for salaried workers under our Express segment. Our refreshed Paycheck Plus account offers you even more exciting benefits and discount offers to ensure you derive so much more from your salary account.

  • Emergency salary Advance up to 60% of net monthly salary
  • Access Higher Loan amounts, processed in 48 hours
  • Free Salary processing
  • Free 3rd party Account Transactions within Merchant network
  • Free ATM withdrawals on Merchant ATMs
  • Accidental Death benefit: 1-month net salary paid to next of kin
  • Permanent Disability: 60% of net monthly salary paid for 3 months

Fixed Term Deposit

Our Fixed Deposit investment guarantees the security of your funds at high-interest rates than savings accounts. It offers you the flexibility to choose your preferred term of investment and an option to roll-over automatically.

  • No monthly or administrative fees
  • Can be used to secure a loan facility
  • Easily track your investment
  • Enjoy rewarding yields on your funds at competitive interest rates
  • Flexible investment terms; from 30-day, 90-day, 180-day, and 365-day tenure

Merchant SMART Goal Account

The SMART Goal Account gives you a flexible and convenient way of saving towards achieving your short-to-medium term goals. Whether you are saving for your child’s education, raising funds for your first business, or simply saving money for that special occasion, make that smart move today with the Merchant Smart Goal Account.

  • Total permanent disability cover
  • Accidental death cover
  • No monthly account service fees
  • Attractive interest rates on your savings
  • Start with as low as $10 monthly savings or more