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Destination country playbook
Ghana
GH / GHA
- Currency
- GHS
Bank payouts
Receiver and bank fields expected for this destination. Account currency and clearing-system identity are resolved from the quote and routing data.
| Field | Requiredness | Format | Validation pattern | Notes |
|---|---|---|---|---|
GHS bank payout payment.instruction.instructedAmount.currency | Required | Fixed value: GHS | No corridor-specific pattern | This playbook covers local-currency bank payout into Ghana. |
GHS bank payout payment.creditor.account.currency | Required | Fixed value: GHS | No corridor-specific pattern | This playbook covers local-currency bank payout into Ghana. |
Creditor domestic account number payment.creditor.account.accountIdentifierType | Required | Fixed value: BBAN | No corridor-specific pattern | Local Ghana bank payout requires the creditor's domestic account number. Store it as text and preserve leading zeros; no uniform country-level account-number length is imposed by this playbook. |
Creditor domestic account number payment.creditor.account.accountId | Required | String | No corridor-specific pattern | Local Ghana bank payout requires the creditor's domestic account number. Store it as text and preserve leading zeros; no uniform country-level account-number length is imposed by this playbook. |
Creditor GIP institution code payment.creditor.agent.financialInstitutionId.clearingSystemCode | Required | Fixed value: GH | No corridor-specific pattern | GhIPSS Instant Pay identifies the receiving financial institution with a six-digit GIP institution code. Store that code as the clearing-system member identifier, qualify it with ISO 20022 clearing-system code GH, and preserve leading zeros. |
Creditor GIP institution code payment.creditor.agent.financialInstitutionId.clearingSystemMemberId | Required | Length: 6 | ^[0-9]{6}$Normalize: Remove Whitespace | GhIPSS Instant Pay identifies the receiving financial institution with a six-digit GIP institution code. Store that code as the clearing-system member identifier, qualify it with ISO 20022 clearing-system code GH, and preserve leading zeros. |
Creditor bank BIC payment.creditor.agent.financialInstitutionId.bic | Optional | Minimum length: 8; Maximum length: 11 | ^[A-Z]{4}GH[A-Z0-9]{2}([A-Z0-9]{3})?$Normalize: Remove Whitespace, Uppercase | Creditor bank BIC is optional for this payout profile. |
Creditor financial institution country payment.creditor.agent.financialInstitutionId.address.country | Required | Fixed value: GH | No corridor-specific pattern | The beneficiary financial institution for this destination profile is located in Ghana. |
Compliance information
Destination rules that may affect the payout data Axiym validates.
- Cross-border wire-transfer information: Bank of Ghana and Financial Intelligence Centre — Anti-Money Laundering/Combating the Financing of Terrorism & the Proliferation of Weapons of Mass Destruction Guideline for Accountable Institutions.
These are playbook-level summaries. The payout validation response remains authoritative for the exact instruction and its transaction conditions.