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NOTE:
Uptima Credit and Microfinance House Ltd. Licensed under the NBFI Act, Bank of Ghana
Our Services
Simple products that meet real Ghanaian needs—built for everyday life and business growth.
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Current Account
A flexible transaction account for individuals and businesses who need to make frequent payments, withdrawals and transfers with ease.
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Savings Account
A simple interest‑earning account to help you save towards school fees, rent, business growth or emergencies—starting from just a few cedis
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Susu Account
Join a trusted daily, weekly or monthly Susu plan and build disciplined savings with the support of our field officers and branch teams.
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SME Loans
Working capital and asset‑finance loans for small and medium‑sized enterprises across Ghana. Use it to buy stock, expand your shop, refinance debt or invest in new opportunities.
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Controller/Salary Loans
A loan product tailored for government and some formal sector employees whose repayments are deducted directly from their Controller & Accountant‑General payroll or approved employer. Predictable instalments and less stress about missing payments.
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Personal Loan
A flexible cash loan for salaried workers and self‑employed individuals to cover important needs like rent, school fees, medical bills or small projects. Competitive interest rates and convenient repayment terms, subject to approval.
Clients
2000+ Active Clients
Deposit Portfolio
GHS 1.5M+ Deposits
Loan Portfolio
GHS 1.5M+ Loan Portfolio
Professional Staff
18+ Active Employees
Open Your Account in 3 Easy Steps
We’ve made it simple to start banking with Uptima Credit.
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01
Talk to Our Team
Visit any branch or call us to choose the right account or loan for your personal or business needs.
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02
Submit Your Documents
Provide a valid ID, passport photo and any required supporting documents so we can complete your KYC and credit checks
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03
Activate and Start Transacting
Once approved, you’ll receive your account number or loan details and can start saving, withdrawing or making payments right away.
Schedule an appointment with our specialist to discuss your needs on our Contact Us page.
What Our Customers Are Saying
Real stories from individuals and businesses we’ve supported across Ghana.
Comfort A
MankessimUptima Credit believed in my vision when other banks turned me away. Their GH₵5,000 loan helped me stock my shop properly. Today, I employ 12 people and my business keeps growing.
News & Events
Tips, updates and financial education to help you manage money better and grow sustainably.
January 6, 2026
January 6, 2026
Experience a New Digital World.
Our mobile banking app will soon make it even easier to check balances, transfer funds, pay bills and manage your loans—anytime, anywhere in Ghana.