Ans: Prudential Bank has a variety of accounts tailored to the needs of our customers.

These include:

• Prudential Welfare Savings Account (PWSA)

This is a special savings account designed to assist you in purchasing basic household items such as television sets, microwave ovens, and refrigerators, paying medical bills, and other urgent family commitments. With a Prudential Welfare Savings Account:-

• Account holders qualify for a special loan of up to 120% of the balance on their accounts.
• Account holders enjoy a 2% reduction in the interest rate on loans.
• No collateral is needed for this loan; the balance on the account is used as collateral.
• Account holders can still withdraw money from their accounts during the loan period.

• Prudential Business Savings Account (PBSA)

This savings account is designed to provide financial assistance to existing and prospective customers wishing to expand their business or set up a new one. Account holders enjoy the following benefits. 

• A 1.5% interest above the Banks savings account rates. 
• A special loan of up to 150% of the account balance for expanding the business or setting up a new one. 
• A 2% reduction in the interest rate on loans.
• Account holders can still withdraw money from their accounts during the loan period.

• Prudential Micro Savings Account 

The Prudential Micro Savings Account (PMSA) is a special account designed to encourage micro to small businesses to save daily towards growing their businesses or meeting personal financial commitments such as school fees and acquiring household appliances. This account comes with a loan package designed to provide a convenient, flexible and affordable means of securing a credit facility. Benefits include,

• Low initial deposit on the opening account.
• Free daily cash collection services at your doorstep.
• Free transaction notification.
• No COT/Account maintenance charges. 
• Competitive interest earnings on account balances. 
• Use of account balance as security for a loan.
• Flexible repayment schedule on loans. 

• Prudential Child Advantage Account

This account is a savings/investment account designed to help parents and guardians save and invest toward their children’s education and future. 

The features of this account are: 

• An initial deposit of GHS 50.00
• Minimum additional monthly deposit of GHS 50.00.
• A minimum balance of GHS 200.00 should be maintained at all times after one (1) year.
• One withdrawal is permitted on the account every quarter.
• Interest on the account is earned on a daily basis and applied at the end of the month.
• The account is transferrable upon request by the parent or guardian when the child attains 18 years.
• Quarterly statements will be provided upon request.

• Pbl Account Holder Plus 

This account is specially designed for permanent staff of selected tertiary institutions customers of PBL. This account is aimed at giving tertiary institution staff convenient, flexible, and affordable means of acquiring property. Features of this account include,

• Low initial deposit 
• No COT / Account Maintenance charges
• Free ATM card
• Free transaction notification (alertwise) service
• Free mobile Banking (Mobiwise) service
• Minimal charge on the use of other bank gh-link enabled ATMs
• Competitive interests paid on account 
• Free e-zwich card, a minimum deposit of GHS 5.00 interest paid on wallet balance of GHS 20.00 and above.
• Low Interest on loans
• Low processing charges 
• Quick loan processing turnaround time
• Flexible loan repayment terms

• PBL Home Base Account

This is a cedi-denominated account of Ghanaians resident abroad who wish to build up funds in Ghana to fund future projects or to finance an eventual homecoming. Deposits made in a foreign currency will be converted to Ghana cedi at the prevailing exchange rate and proceeds invested. Withdrawals and payments made on the account are in Ghana cedi only.

Features:

• Designed for Ghanaians resident abroad
• Requires regular weekly/bi-weekly/monthly deposit of a minimum of GHS100.00 into the Home Base Personal Savings account
• Withdrawals can be made in Ghana or upon receipt of the account holder’s written instructions (giving details of the beneficiary).
• No service charge on the account
• Amounts saved may be used as collateral for a credit facility.
• Interest rate on this account is linked to the Bank of Ghana policy rate.
• Savings amounts up to GHS 5,000.00 will attract interest at Bank of Ghana policy rate minus eight percentage points per annum subject to quarterly review
• Savings amounts above GHS 5,000.00 will attract interest at Bank of Ghana policy rate minus six and a half percentage points per annum subject to quarterly review

* Please note that the current Bank of Ghana policy rate is subject to review by the Bank of Ghana*.

• Pbl Church Plus Account

This account offers a variety of products and services tailored for churches, church employees and congregation. This account provides churches the avenue to operate various connected accounts to help meet goals and thereby serve the congregation. The various account types under Church Plus include,

• Church Administration Current Account

Helps the church to manage its daily financial transactions including settling church expenses, receiving tithes, offerings and other receipts.

• Church administration savings account  

Allows the church the flexibility to save at its own pace.

• Project Account

Enables the church to build up funds for specific projects and also to apply for credit facilities to finance projects.

• Fixed Deposit Investments

The Church may place excess funds on fixed deposit for periods up to one (1) year with a rollover option for principal and interest or principal only.

• Sweep Facility (Call Account)

Allows the church to earn interest on funds not needed immediately and also make funds available for use when needed.

 Ans: The contact centre numbers are 0800000772 toll-free / 0551858585 / 0302750420.

You can also reach us via our social media and online platforms,

• Facebook: Prudential Bank Ghana,
• Twitter: @pblghana
• Instagram: @prudentialbankgh
• LinkedIn: Prudential Bank Gh.

Ans: Report it immediately to the Prudential Bank contact centre on +233551858585 or visit the nearest Prudential Bank Branch.

Ans: Kindly visit any of our branches nationwide to get your pin or password reset instantly.

Ans: Visit any of our branches nationwide to get enrolled in any of our e-banking services. You may also download the Prudential Mobile App and use the self-sign-on option. 

You can also dial *772# to self-sign to our mobiWise service. 

*Self-registration service for other e-banking services will be activated soon*

Ans: Our card services include the PURE CHIP & PIN cards which enable you to have access to our 24-hour ATM service at various locations nationwide, Gh-Link-enabled ATMs of other banks, and POS devices.

We also offer VISA, UNION PAY, and Mastercard cards for online transactions and over 20 million ATMs and POS in over 200 countries for your convenience.

Ans: You need: 

• Ghana Card. 
• One recent passport sized photograph.

Ans: You can update your account information by visiting our digiSpace online portal https://digispace.www.prudentialbank.com.gh/

Ans: You can update your account information by visiting our digiSpace online portal https://digispace.www.prudentialbank.com.gh/

Ans: You can use our netWise Internet Banking service to:

• Transfer funds within PBL (account to account)
• Transfer Funds to other Bank’s accounts 
• Transfer funds to your mobile money wallet
• Generate statements 
• Set up standing instructions
• Request cheque books
• Stop Payments

Ans: Yes, you can have access to your account anywhere in the world with the Prudential Bank mobile banking service mobiWise, netWise internet banking service or the Prudential Mobile Banking App.

Ans: Yes, you can request a transfer of funds to other banks. 

• Through our internet banking service (netWise).
• Through the Prudential Bank Mobile App.
• Through the mobile banking service mobiWise.
• Fill out an ACH form at any of our Branches. 
• Or through the GHIPSS Instant pay from any of our branches.

Ans: Yes, you can request a transfer of funds to other banks. 

• Through our internet banking service (netWise).
• Through the Prudential Bank Mobile App.
• Through the mobile banking service mobiWise.
• Fill out an ACH form at any of our Branches. 
• Or through the GHIPSS Instant pay from any of our branches.

Ans: You can reactivate your dormant account by visiting our digiSpace online portal via https://digispace.www.prudentialbank.com.gh 

Ans: Contact the Prudential Bank contact center at +233551858585 or via email customercare@Prudentialbank.com.gh. You can also visit any Prudential Bank branch nationwide.

Ans: You can access your account statement by visiting any Prudential Bank branch for a hard copy printout at a fee or via any of our electronic banking services.

• PBL Mobile App.
• Netwise (Internet Banking).

Ans:  You can check your balance on any of our e-banking services.

• ATMs  
• PBL Mobile App 
• Netwise (Internet Banking)
• Mobiwise (Mobile Banking)

Ans: You can perform the following transactions on Mobiwise:

• Check your account balance 
• Send money from your account to your mobile money wallet and vice versa
• Pay Bills (ECG, DSTV, GO TV)
• Change PIN
• Link wallet to bank account 
• Top up air time and data bundles on all networks
• Perform account to account transfers between PBL accounts

Ans: Yes, you can link your bank account to your mobile money wallet by signing on to the PBL mobile banking service mobiWise. Kindly dial *772# and follow the prompts to complete process.

Ans: PBL offers the following investment tenures to our valued investors: 30 days, 60 days, 91 days, 182 days, and 365 days.

Ans: Interest rates are earned based on the tenure of the investment placed and the value of the investment. You may contact any branch for information on our prevailing interest rates for fixed-term deposit instruments.

Ans: PBL offers fixed-term deposits at very competitive rates. This is an investment instrument that provides investors with a higher rate of interest than a regular savings account.

Ans: 

• A valid national ID 
• 1 recent passport-sized photograph
• A completed central securities depository form (available at all branches)
• A completed treasury bill purchase form (available at all branches)

Ans: Customers may choose from the following Treasury bill tenures: 91-day bill, 182-day bill, and 364-day.

Ans: Yes, treasury bills are purchased through your bank account.

Ans: A treasury bill (T-bill) is an investment product backed by the Bank of Ghana on behalf of the Government. Treasury bill investments can be purchased through PBL on behalf of our customers.

Ans: Prudential Securities offer the following investment packages 

• PPP SCHEME - Regular amounts (monthly) invested over a long period (8 to 10 years) to meet long-term investment needs.
• PSL FLEXI SAVE - Regular amounts (monthly) as well as lump sum invested over a relatively shorter period to meet short to medium-term investment needs.
• PSL WEALTH MAKER- A lump Sum of 500,000.00 and above invested on behalf of clients fall under this category.
• PSL KIDISAVE – Regular (monthly) or lump sum may be invested towards children’s education, children’s wedding, children’s car, etc

Investments are long-term (8 to 10 years).

Ans: Prudential Securities is a wholly-owned subsidiary of Prudential Bank Limited. It is licensed by the Securities and Exchange Commission (SEC) and the National Pensions Regulatory Authority (NPRA) to carry out the following.

• Investment Advisory services (Asset & Fund Manager)
• Pension Fund Manager 
• Investment Banking Services

Ans: Visit any of our branches to talk to a credit officer and start your loan application process.

Ans: Monthly repayment amount varies depending on the tenure and amount of loan granted. 

*However the repayment amount must not exceed 40% of net monthly income*

Ans: Maximum tenure for a personal loan is 36 months

Ans:   

• Fully completed application form
• One recent passport-sized photograph 
• Pay slips (Last three (3) months)
• Last three (3) month’s salary account statement (non-PBL account holders)
• Valid National & Staff identity cards (where ID does not indicate date of birth, additional evidence of age is required from applicant)
• Employer endorsement
• Guarantee by close relative or work colleague (where applicable)
• Any other relevant documents that may be required.

Ans: 

• Salaried Workers Loan Scheme

This loan scheme is designed for salaried workers to help them meet their financial needs. 

• Applicant must be in gainful employment with a monthly salary.
• Applicant must have operated an account with PBL for at least three (3) months.

    *However, applicants whose institutions have loan scheme agreements with PBL do not need to have an account with PBL to access a loan facility*

• Government of Ghana employee loan scheme

This loan scheme is for Government of Ghana employees paid through the Controller and Accountant General’s Department.

• Applicant must be a confirmed staff of any of the government institutions.
• Must be on the Controller and Accountant General’s payroll.
• This Loan scheme is open to both PBL customers and non-customers.

• Vehicle Ownership Loan Scheme

This loan scheme is designed to help customers who desire to own a vehicle and have saved up to a point.

• Applicant must be a customer of the bank for a minimum of 3 months.
•  Applicant must be willing to pay 25% - 30% of the total vehicle cost upfront.
• Applicant must be willing to insure the vehicle with a Prudential bank-approved insurance company comprehensively.
• The vehicle will be registered in the joint names of PBL and the applicant until the loan is paid off.
• Any other personal information and documentation as may be required during the process.

Ans: We offer personal loans to salary workers who receive their salaries through their Prudential Bank accounts. We also offer loans to individual Government of Ghana workers on the Controller and Accountant General’s payroll. Individuals whose companies have scheme loan agreements with Prudential Bank can also access a loan. 

Ans: A verifiable national ID i.e. VOTER ID, PASSPORT (both GHANAIAN and FOREIGN), DRIVERS LICENCE, and a Transfer Code/PIN from the sender.

ANS: Yes, we offer money transfer services:

• RIA
• WESTERN UNION
• TRANSFAST 
• VIGO 
• UNITY LINK
• MONEYGRAM 

Ans: Yes, we sell e-vouchers for various tertiary institutions.

• University of Ghana
• University of Cape Coast
• Methodist University College
• Valley View University
• Koforidua Technical University 
• Takoradi Technical University 
• Pentecost University College
• Presbyterian University College
• Central University College

Ans: Yes we offer school fees payment services for various tertiary institutions.

• University of Ghana
• University of Cape Coast
• Methodist University 
• Valley View University
• Koforidua Technical University 
• Takoradi Technical University 
• Pentecost University College

Ans: No. mobiWise service is only available in Ghana

Ans: Kindly visit any of our branches to get your PIN reset.

 Ans: Contact your mobile network service provider for assistance

Ans: A verifiable national ID I.e. VOTER ID, PASSPORT (both GHANAIAN and FOREIGN), and DRIVERS LICENCE.

Ans: We offer mobile money services at all our various branches nationwide

• AirtelTigo money
• Vodafone cash