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.

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.
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.


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.
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.
