Before you send money
Is it licensed?
We built this site by going through the regulators’ registers, one entry at a time. That work is already done, so the quickest check available to you is to search what came out of it.
What we have already checked
71 funds
SEC register of collective investment schemes, and a catalogue still being checked against it
23 stockbrokers
Trading on the Ghana Stock Exchange — the SEC licenses more
23 banks
Bank of Ghana APR returns — every licensed bank files one
26 savings and loans companies
Bank of Ghana register
9 private funds
SEC register of licensed private funds
39 listed companies
Ghana Stock Exchange monthly reports
Every provider on this site came off one of those registers. None was added because it advertised, asked, or paid — no provider can pay to appear here.
So the first check takes a few seconds
Look for the firm’s name on this site. If it is here, it was on a regulator’s register when we read it, and the page says which one and when.
If the name is not here, that is a reason to look harder — not proof of anything
Licences are granted, registers change, and we may simply have missed one. What it means is that we did not find the name where we would expect to, which is worth ten more minutes before you send money rather than after.
The test that needs no register
Ghana has a risk-free rate, and everything else is priced against it. The 91-day Government Treasury bill last cleared at 4.60% a year (2026-10-12).
A licensed money market fund holds much the same instruments and charges around 2% a year to do it, so it returns a little less than the bill. That is the shape of the market.
So a weekly return is the clearest warning there is
Ghanaian instruments pay on a fixed date — a Treasury bill at maturity, a fund when you redeem. A platform promising a percentage every week is describing something no licensed Ghanaian product does, at a rate the market does not produce. Ten per cent a week compounds to more than a hundredfold in a year.
It does not matter how professional the website looks, how many investors it claims, or whose name is on it. The arithmetic is the tell.
Check the address, not the name
A name can be copied. A web address cannot be shared. If a platform uses a brand you recognise on an address you do not, treat them as different things until you have established otherwise — and establish it by contacting the firm through the details on their own site, not the details on the platform.
The provider pages on this site carry the website we found on the regulator’s register, with the date we checked it.
What a licence does not mean
It does not mean safe. A licence means the firm is supervised, files returns and can be sanctioned. It is not a guarantee, and it never has been anywhere. Lehman Brothers was regulated. Northern Rock was regulated. Every bank that failed in 2008 held every licence it needed, and depositors and investors in Ghana lost money in the sector clean-up of 2017 to 2019 for the same reason: supervision is not solvency.
What a licence does do is give you somewhere to complain, a body that can investigate, and a firm with something to lose. That is worth a great deal against a platform with none of it — which is the comparison that matters here, rather than licensed against safe.
And it does not mean cheap. Licensed funds on this site charge between 1.75% and 2.25% a year. For any other fund, ask for the scheme particulars, which by law state the fees. Being regulated and being good value are separate questions.
Checking it yourself
The registers are public. If you would rather go to the source — and for anything important you should — these are the ones we use.
Securities and Exchange Commissionlicensees.sec.gov.gh
Fund managers, unit trusts, stockbrokers, custodians, private funds, investment advisers
Bank of Ghanabog.gov.gh
Banks, savings and loans companies, finance houses, microfinance institutions
Ghana Stock Exchangegse.com.gh
Listed companies and licensed dealing members
Questions people ask
How do I check if an investment company is licensed in Ghana?
Search this site first — every fund, broker, bank and lender we list was taken from a regulator's own register. If the name is not here, check the Securities and Exchange Commission register at licensees.sec.gov.gh for fund managers and brokers, or Bank of Ghana's registers for banks and savings and loans companies.
What return is realistic in Ghana?
Government Treasury bills are the benchmark and are published weekly by Bank of Ghana. A licensed money market fund holds much the same instruments and charges around 2% a year, so it returns a little less. Anything promising several times that, or paying weekly, is promising something this market does not produce.
Does a licence mean my money is safe?
No. A licence means the firm is supervised, files returns and can be sanctioned. It does not guarantee a return or protect you from loss. Licensed Ghanaian institutions failed in the 2017-2019 financial sector clean-up and investors lost money.
What if a platform uses the name of a company I recognise?
Check the web address, not the name. A name can be copied; a domain cannot be shared. If a platform uses a familiar brand on an unfamiliar address, contact the firm through the details on their own site before sending anything.
Not licensed by the Securities and Exchange Commission of Ghana. We publish factual comparisons of regulated products and do not provide investment advice, hold client money, or execute transactions. We name no platform as fraudulent. Where a regulator publishes a warning we will report it; until then, the tests above are what we can offer, and they work whoever is asking.