When conducting financial transactions in Ghana, having the correct banking codes is essential for seamless payment processing. Universal Merchant Bank Ltd, a prominent financial institution in Ghana, provides comprehensive banking services across multiple branches nationwide. Understanding the code for Universal Merchant Bank and how to use these codes effectively can save you time and ensure your transactions are processed without delays.
What is a Universal Merchant Bank Sort Code?
A sort code is a unique numerical identifier that helps route payments to the correct bank and branch within Ghana’s banking system. Universal Merchant Bank uses a standardized six-digit code system that integrates seamlessly with GhIPSS (Ghana Interbank Payment and Settlement Systems) and Ghana Pay services. Each branch of Universal Merchant Bank Ltd has its own specific sort code, ensuring accurate payment routing whether you’re making transfers through online banking or visiting every bank branch in person.
Swift Code Details for Universal Merchant Bank
For international transactions, you’ll need to find the BIC (Bank Identifier Code) for Universal Merchant Bank. The swift code for Universal Merchant bank is MBGHGHAC, which identifies the bank’s head office in Ghana’s financial system. This swift code for Universal Merchant enables seamless international wire transfers and is recognized by correspondent banks worldwide. When sending money internationally, always use this MBGHGHAC code along with the recipient’s account details.
Complete Universal Merchant Bank Branch Sort Codes
| Branch Name | Location | Sort Code |
| Head Office (Airport City) | Accra | 100100 |
| Accra (Main) Branch | Accra | 100101 |
| Tema Branch | Tema | 100102 |
| Ridge Branch | Accra | 100103 |
| Adabraka Branch | Accra | 100104 |
| Kaneshie Branch | Accra | 100105 |
| Abeka Branch | Accra | 100106 |
| North Industrial Branch | Accra | 100107 |
| Tema East Branch | Tema | 100108 |
| Achimota Branch | Accra | 100109 |
| Abosey Okai Branch | Accra | 100110 |
| South Industrial Area Branch | Accra | 100111 |
| Osu Branch | Accra | 100112 |
| Labone Branch | Accra | 100113 |
| Airport City Branch | Accra | 100114 |
| Junction Mall Branch | Accra (Nungua) | 100115 |
| East Legon Branch | Accra | 100116 |
| Oxford Street Branch | Accra | 100117 |
| Spintex Road Branch | Accra | 100118 |
| Sakaman Branch | Accra | 100119 |
| Madina Branch | Accra | 100122 |
| Koforidua Branch | Koforidua | 100204 |
| Takoradi Branch | Takoradi | 100401 |
| Tarkwa Branch | Tarkwa | 100402 |
| Kasoa Branch | Kasoa | 100501 |
| Kumasi Branch | Kumasi | 100601 |
| Bibiani Branch | Bibiani | 100602 |
| Asafo Branch | Kumasi | 100603 |
| Bantama Branch | Kumasi | 100604 |
| Adum Branch | Kumasi | 100605 |
| Konongo Branch | Konongo | 100606 |
| Techiman Branch | Techiman | 100701 |
| Tamale Branch | Tamale | 100801 |
How to Use Universal Merchant Bank Ltd Codes
When making domestic payments in Ghana, use the appropriate branch sort code along with the recipient’s account number. For international transfers, combine the MBGHGHAC swift code details with the sort code and account information. Unlike some European banks that use IBANs, Ghanaian banks follow the Bank of Ghana’s standard coding system, so you don’t need to use IBANs for local transactions.
Universal Merchant Bank, as a wholly owned subsidiary within Ghana’s banking sector, ensures reliable service delivery across all its branches. Whether you’re conducting business transactions or personal transfers, having the correct codes ensures your payments reach their destination promptly. Always verify the specific branch code with the bank right away if you’re unsure, as using incorrect codes can delay your financial transactions.
For the most current information and additional banking services, contact Universal Merchant Bank directly or visit their nearest branch location.