Savings and Investments

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Personal Savings and Investment Accounts

An account tailor-made for the future and for rainy days according to your investment capacity. These accounts provide high, above-market rates and are a good option for long-term strategic growth.


Merchant Lifestyle Investment Plan (MLIP)

The Merchant Lifestyle Investment Plan (MLIP) is the ultimate must-have family investment plan in Ghana, designed to assist you to accumulate funds through consistent monthly or quarterly deposit. So whether you planning on acquiring a house, a dream car, starting a family business or planning for that once in a lifetime vacation, the MLIP account helps you achieve your financial goals.

  • Earn competitive interest rates to the 91-day treasury bill rate
  • Interest is calculated daily and credited every quarter
  • No monthly or administrative fee on your MLIP account
  • Earn competitive interest rates indexed to the 91-day treasury bill rate

Merchant Smart Account

No matter how low your income is, secure and manage your money the smart way with the Merchant Smart Account. Get an instant bank account and ATM debit card with any valid national ID.

  • Get an instant bank account with any valid national ID
  • Earn interest on your balance
  • Free transfer to other Merchant bank accounts
  • Receive money from abroad and any bank in the country
  • Free withdrawal from any Merchant ATM
  • Pay bills, buy airtime top-up and request e-statement for free
  • Send money to any mobile money wallet instantly

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