Regulatory update
NIB in Ghana
Regulatory status and future directory of Bank of Ghana–licensed Non-Interest Banking institutions.
Current regulatory status
The Bank of Ghana published its Non-Interest Banking guidelines in January 2026. The framework allows for full-fledged non-interest banks or NIB "windows" within existing banks. On 18 August 2026 the BoG inaugurated the Non-Interest Financial Advisory Council (NIFAC) to advise on governance, regulation, and supervision of the sector. At least one indigenous bank has formally applied for a licence; others are preparing. As of August 2026, no NIB licence has been gazetted. NIB services will be based on non-interest principles and, according to the Bank of Ghana, will be open to all — not restricted by religion.
Bank of Ghana (bog.gov.gh)No NIB licences issued yet
This directory will list BoG-licensed NIB institutions once they are gazetted. Until then, we do not name or imply that any specific bank has applied or been approved.
Bank of Ghana (bog.gov.gh)Submit Your Bank
Once your institution is BoG-licensed for Non-Interest Banking, you can apply to be listed here.