ATB Everyday Account
A flexible USD spending account for salary, bills, transfers, shopping, and subscriptions.
- No minimum opening deposit
- Instant internal transfers
- Debit card and virtual card access
Personal banking
Bank in USD with clarity, confidence, and control.
ATB personal banking is designed for people who want secure accounts, instant digital access, practical savings tools, and human support when money decisions matter.
Accounts
Choose the account that matches your life.
Every account includes mobile banking, account alerts, secure login, and USD transaction history.
ATB USD Savings
Build your emergency fund, travel fund, education plan, or long-term reserve with automated savings rules.
- Goal vaults
- Monthly interest
- No hidden maintenance fee
ATB Family Account
Organize family spending, school fees, household bills, and shared goals with controlled access.
- Shared visibility
- Spending alerts
- Dedicated support line
Digital control
Your money, visible in real time.
Track spending, freeze cards, create budgets, send transfers, receive alerts, and manage beneficiaries from the ATB app.
Instant transaction alertsCard freeze and replacementBudget categoriesBiometric app login
Personal dashboardUSD
Total available$12,840.60
Salary received+$2,400
School fee transfer-$800
Savings goal funded+$250
Rates and fees
Simple pricing, clearly shown.
USD Savings
Up to 4.20%Annual percentage yield for qualifying balances.
Everyday Account
$0Monthly maintenance fee for digital statements.
Internal Transfers
InstantATB-to-ATB USD transfers settle immediately.
How it works
Open an account in four steps.
Apply online
Choose your account and submit your contact details.
Verify identity
Complete secure identity checks and document upload.
Fund account
Add USD using approved channels and transfer options.
Start banking
Activate the app, cards, alerts, and savings tools.
Can I bank fully online?
Yes. Account opening, transfers, support, card controls, and statements are available digitally.
Is USD the main currency?
Yes. ATB prioritizes USD products across accounts, cards, loans, and investments.
Is there support in Accra?
Yes. You can receive help online, by phone, WhatsApp, or at ATB service centers.