How to Create a Visa Card in Ghana 2025 – Step-by-Step Guide

In 2025, having a Visa card in Ghana is more important than ever. Whether you need it for online shopping, international payments, travelling abroad, or receiving money, a Visa card gives you convenience and global access. If you’re wondering how to create a Visa card in Ghana this year, this guide will walk you through everything you need to know — requirements, process, cost, and the best banks to consider.


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What is a Visa Card?

A Visa card is a debit, credit, or prepaid card issued by banks that is powered by the Visa payment network. You can use it to:

Withdraw cash from ATMs worldwide

Pay online and in physical stores

Book hotels, flights, and other services internationally

Receive money from abroad


In Ghana, Visa cards are issued by major banks such as GCB Bank, Absa Bank, Stanbic Bank, Fidelity Bank, and Ecobank.


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Types of Visa Cards in Ghana

Before creating a Visa card in Ghana, you should understand the three main types:

1. Visa Debit Card – Linked directly to your bank account. You can only spend what you have in the account.


2. Visa Credit Card – Allows you to borrow up to a limit and pay later. Requires good credit history.


3. Visa Prepaid Card – Preloaded with funds and not linked to your main bank account. Great for budgeting and travel.




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Requirements to Create a Visa Card in Ghana (2025)

To apply for a Visa card in Ghana in 2025, you generally need:

A valid national ID (Ghana Card is the most accepted)

Passport photograph (for some banks)

Proof of address (utility bill, tenancy agreement, or digital address)

Proof of income (for credit cards)

An active bank account with the issuing bank


> Tip: If you don’t already have a bank account, you can open one first, and in most cases, the bank will offer you a Visa debit card immediately.




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How to Create a Visa Card in Ghana – Step-by-Step (2025)

Step 1: Choose the Right Bank

Different banks in Ghana offer different Visa card benefits. Compare fees, international usage limits, and online payment compatibility. Popular choices in 2025 include:

GCB Bank Visa Debit & Prepaid Cards

Absa Bank Visa Credit & Debit Cards

Fidelity Bank Visa Classic & Gold

Stanbic Bank Visa Credit Cards

Ecobank Visa Electron & Gold



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Step 2: Open a Bank Account (If You Don’t Have One)

For debit or credit Visa cards, you need a bank account with the issuing bank. Prepaid Visa cards may not require a full account but still need registration.


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Step 3: Fill Out the Visa Card Application Form

You can do this in-branch or online for some banks. Provide your personal details, identification documents, and signature.


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Step 4: Submit Required Documents

Hand in your Ghana Card, passport photo, proof of address, and other required paperwork. For credit cards, you’ll also submit proof of income and sometimes references.


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Step 5: Pay the Issuance Fee (If Applicable)

Some banks in Ghana issue Visa debit cards for free when you open an account, while others charge a small fee (usually ₵20–₵50). Prepaid Visa cards may cost more, depending on the package.


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Step 6: Wait for Processing

Most Visa cards in Ghana take 3 to 7 working days to be ready. Some banks offer instant issuance for prepaid cards.


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Step 7: Activate Your Visa Card

Once you collect your card, you must activate it. This may involve:

Calling the bank’s helpline

Using an ATM for first withdrawal/change of PIN

Following online activation steps



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Using Your Visa Card in Ghana and Abroad

After activation, you can:

Shop online (Amazon, Jumia, eBay, etc.)

Pay bills and buy airtime

Withdraw cash from ATMs in Ghana and worldwide

Make in-store purchases locally and abroad


> Note: Always inform your bank if you plan to travel so they can enable international transactions.




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Visa Card Fees in Ghana (2025)

Common charges include:

Annual maintenance fee: ₵20–₵60 (varies by bank)

ATM withdrawal charges (foreign ATMs may charge higher fees)

Currency conversion fees for international payments



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Best Banks for Visa Cards in Ghana 2025

Based on reliability and customer feedback, the top banks for Visa cards in Ghana in 2025 include:

1. GCB Bank – Widely accepted nationwide


2. Absa Bank – Excellent for international transactions


3. Fidelity Bank – Flexible prepaid card options


4. Stanbic Bank – Competitive credit card offers


5. Ecobank – Good for cross-border African transactions




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Final Tips for Getting a Visa Card in Ghana

Always check fees before applying

Choose the right card type for your needs (debit, credit, prepaid)

Keep your card PIN safe

Enable SMS/email alerts to track your spending

Avoid using your Visa card on suspicious websites



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Conclusion

Creating a Visa card in Ghana in 2025 is straightforward if you have the right documents and choose the right bank. Whether you need it for online payments, travel, or everyday purchases, a Visa card will make your transactions faster, safer, and more convenient.

If you’re ready to get one, visit your preferred bank today and follow the steps above. In just a few days, you’ll have your Visa card in hand — ready to open a world of possibilities.