In this post, I am going to show you the simplest way to get a visa or credit card in Ghana.

Having a credit card, visa or Mastercard in Ghana comes with a lot of benefits.

You can use your card to pay for online purchases, subscriptions, receive and send funds, etc.

visa card in ghana

Per my experience with some banks, I won’t recommend that you get a credit card from any bank at all but from banks with little or no charges like the bank I use.

Banks such as GCB Bank, Barclays, Standard Chartered Bank, Ecobank, etc. all have different charges for issuance and usage of credit cards

I am going to show you exactly the process I used to get my credit card and Mastercard within the same day from the United Bank of Africa (UBA).

So far, they are the best I have used their credit card and I will recommend for anyone who is ready to apply for a Visa card.

Their visa Card is internationally accepted in all Visa acceptance points.

The good thing about it is that you don’t need to have a bank account.

Only a few documents are required to get you one.

Without wasting much time let us have a look at the complete steps of getting a visa card.

Required documents.

Note that the documents required for registration may differ from bank to bank.

The ones I am listing here are the documents required to get a visa card from UBA Bank Ghana.

  • A passport size photograph
  • A national identification card (traveling passport, voters ID, drivers license)
  • A working telephone number.
  • Tax Identification Number (TIN)
  • A current utility bill receipt.

After getting all these documents intact, visit any UBA Branch near you and follow the steps below.

  • Ask with any of the customer care representatives that you want to apply for a prepaid/debit card or a Mastercard
  • You will be given a form to fill in your personal details
  • The customer service personnel will take your form for processing
  • After successful application, you will be issued with a prepaid/credit/debit or Mastercard which can be used instantly for payment of services online and other purposes.

Uses of UBA Credit card in Ghana.

  • Purchase at POS
  • Purchase online
  • ATM Cash Withdrawal


UBA Bank Ghana Visa Charges.

I will update this post with the charges involved in getting a credit card in Ghana.


  • Francis Amoah Nuako

    Francis Amoah Nuako, professionally known as PC Boss, is a Ghanaian blogger and SEO expert. He is the founder of PC Boss Online, a tech blog that publishes technology-related articles primarily for Ghanaian audiences. He holds a Bachelor of Science in Nursing (BSc Nursing) and a Bachelor of Science in Information Technology (BSc Information Technology) from the University of Health and Allied Sciences and Ghana Communication Technology University, respectively.