Which government bodies handle meet AML/CFT & Reporting Obligations (Fintech) in Ghana?

You'll deal with Financial Intelligence Centre and Bank of Ghana. Each step on this page names the body responsible and links to its profile where one exists.

What documents do I need to meet AML/CFT & Reporting Obligations (Fintech) in Ghana?

Core documents include Certificate of incorporation, Your BoG or SEC licence, Details of directors and beneficial owners, Appointed AML Reporting Officer's details, Board-approved AML/CFT policy and AMLRO appointment letter, among others. The full, step-by-step document list is set out on this page.

Can I do this myself, or should I get help?

You can do every step yourself, this page is a complete, free guide. If you'd rather not deal with the agencies, AskKofi Consult can handle it for you, for a fixed fee quoted in one business day. The guide stays free either way.

How to Meet AML/CFT & Reporting Obligations (Fintech) in Ghana

Once licensed, a fintech — a PSP, DEMI, VASP, digital lender or remittance operator — is an accountable institution under the Anti-Money Laundering Act, 2020 (Act 1044). This guide covers the ongoing anti-money-laundering and counter-financing-of-terrorism duties: registering with the Financial Intelligence Centre…

Steps

Register with the FIC as an accountable institution (goAML)
Appoint an AML Reporting Officer & adopt a compliance programme
Carry out Customer Due Diligence (KYC) and ongoing monitoring
File Suspicious & Threshold Transaction Reports via goAML; keep records
Meet Bank of Ghana AML/CFT supervision (BoG-licensed fintechs)

Documents you'll need

Certificate of incorporation
Your BoG or SEC licence
Details of directors and beneficial owners
Appointed AML Reporting Officer's details
Board-approved AML/CFT policy
AMLRO appointment letter
Institutional money-laundering / terrorist-financing risk assessment
Customer identity records (Ghana Card / passport)
Beneficial-ownership information
Transaction records
CDD / KYC records
Internal suspicious-activity reports

Cost, time and who handles it

Official fees vary by case. Handled by Financial Intelligence Centre, Bank of Ghana. Government fees are confirmed with the regulator before you pay.

Legal basis

Fees and requirements verified as at 2026-10-15 against official regulator schedules.