GCB Bank's household (personal) loan APR is 26.74% in the Bank of Ghana APR release for May 2026; SME loans 29.54%, corporate 14.63%. Its average lending rate is 23.49%, 13.46 points above the Ghana Reference Rate.
Rank: 20 of 21 banks (lowest household APR = 1) in the Bank of Ghana APR release for May 2026.
APR (Annual Percentage Rate) is the all-in yearly cost of a loan including fees, so it is the fair way to compare banks. Figures are the Bank of Ghana APR release, May 2026.
| Rate | This bank | Lowest | Median | Highest |
|---|---|---|---|---|
| Household (personal) loan APR | 26.74% | 11.62% Stanbic Bank Ghana | 18.90% | 28.13% Agricultural Development Bank |
| SME loan APR | 29.54% | 11.03% Standard Chartered Bank Ghana | 20.24% | 33.58% Guaranty Trust Bank Ghana |
| Corporate loan APR | 14.63% | 7.62% Absa Bank Ghana | 14.32% | 24.67% Guaranty Trust Bank Ghana |
| Average lending rate | 23.49% | 11.23% Stanbic Bank Ghana | 14.36% | 23.49% GCB Bank |
Every column uses the banks reporting that rate in the same release (May 2026); figures from different months are never compared. "Not reported" means the bank gave no figure for that loan type in the release.
Illustration at APR, standard 12-month repayment: borrowing GH¢10,000 over 12 equal monthly repayments would cost about GH¢958.91 a month at GCB Bank's household APR of 26.74%, against GH¢921.09 at the median of 18.90%. An illustration only: your own rate depends on you and the loan.
Identity and contact details are taken from the Bank of Ghana register of banks and GCB Bank's own published pages, cited in the sources below. Confirm with the bank before sending money.
Every figure on this page is dated and links the public document it comes from. Figures change over time; the source may have newer figures.
| Household loan APR (1yr) | 26.74 % |
|---|---|
| SME loan APR (1yr) | 29.54 % |
| Corporate loan APR (1yr) | 14.63 % |
| Average lending rate | 23.49 % |
| Spread over GRR | 13.46 % |
| Established | 1,953 |
| BoG licence status | Licensed universal bank, reporting in the Bank of Ghana APR release |
| Website | https://www.gcbbank.com.gh/ |
| Head office | 2 Thorpe Road, High Street, Accra (P.O. Box 134) |
| Phone | 0302 634 922 |
| Ghana Stock Exchange share page | /gse/gcb-bank-share-price/ |
