Instant AML and KYC compliance solution for Ghana
Country Overview
Country Overview
Ghana is affiliated with the Financial Action Task Force (FATF) through its membership in the Inter-Governmental Action Group against Money Laundering in West Africa (GIABA).
Companies aiming to digitally onboard customers and verify identities in Ghana must adhere to both local and international KYC regulations.
Regulatory Overview
Regulatory Overview
KYC/AML regulations
AML/KYC regulations in Ghana are enforced by a number of regulators, including the:
- Bank of Ghana (BoG),
- Securities Exchange Commission,
- Financial Intelligence Centre.
The primary legislation governing KYC/AML in Ghana are the Anti-Money Laundering Act of 2008 and the Banking Act of 2004.
Choose Smile ID as your trusted compliance partner for AML/KYC regulations in Ghana!
Data protection regulations
Data protection in Ghana is regulated by the Data Protection Act, which is enforced by the Data Protection Commission (DPC).
Financial institutions and regulated entities are required to obtain necessary consent before obtaining KYC documents and ensure the security and confidentiality of the documents.
Accurately authenticate and onboard users in Ghana
Expand your business in Ghana with Smile ID. We help fast-growing companies stay compliant, prevent fraud, and simplify user verification processes with ease. Confidently verify Ghanaian users and prevent fraud:
Access ID verification through 4 API Authorities covering over 21 million ID records in Ghana.
Validate up to 10 ID documents, including Ghanaian National ID, Driver’s Licence, Passport, Voter ID, and more.
Validate up to 4 ID numbers, including Ghanaian Voter's ID number, SSNIT, Passport and more.
Utilise de-biased models with 99.8% accuracy for all African skin tones.
Implement image capture SDKs optimised for low bandwidth and compatible with software versions as low as Android 5.0.
Conduct global AML checks against over 1100 global sanctions, PEPs, and adverse media watchlists.
Ensure enterprise-level security with ISO 27001, SOC 2 Type 1 & 2 certifications.
Instantly verify up to 10 ID documents in Ghana
We empower businesses with the flexibility to verify their user identity using any of the following ID documents. All we need is a document photo and a selfie.
Ghanaian National Identity Documents
The Ghana National ID system includes various identification cards such as the Ghana Card, ECOWAS ID, Consular IDs, and Diplomat IDs. The Ghana Card is the primary national identification card issued to Ghanaian citizens, containing vital information like the holder's name, date of birth, and unique identification number.
Ghanaian Drivers License
The Ghana Drivers License is an official document issued to individuals who have successfully completed the necessary tests to operate motor vehicles legally in Ghana. This license serves as both an identification document and proof of the holder’s legal right to drive. It contains personal information, a photograph, and details of the driving categories the individual is permitted to operate.
Ghanaian Health Card
Ghana Health Cards, such as the Health Insurance Card, are issued to individuals enrolled in the National Health Insurance Scheme (NHIS). These cards provide proof of health insurance coverage and allow users to access healthcare services and benefits under the NHIS.
Ghanaian Passport
The Ghana Passport is a crucial international travel document issued to Ghanaian citizens. It contains the holder’s personal information, photograph, and biometric data and serves as proof of identity and citizenship at border crossings and immigration checkpoints. The passport enables Ghanaians to travel abroad for various purposes, such as tourism, business, or education and facilitates their return to Ghana.
Verify up to 4 ID numbers in Ghana
Our solution empowers businesses to verify Ghanaian ID numbers directly from government databases
Verify Ghanians using ID documents
Verifying users with ID documents and biometric face matching is one of the most reliable ways to determine a user's true identity. Our ID document verification solution checks that an ID document is authentic, accurately transcribes the text on the document and compares a user-submitted selfie to the document image.
Transcribes document text with 96% accuracy
Checks for accurate format
Identifies tampered and forged documents
Verifies security features
Scan your document
Our image capture tools guide users to take clear photos even with older devices.
Smile for a selfie
Ensure the real user is behind the camera with a smile to test for liveness.
Get real-time results
In a few seconds, you will confirm the document is authentic and belongs to the user behind the camera.
Comprehensive Identity verification (KYC/AML) solution in one place
Choose the right option to verify and onboard your customers.
Document Verification: With Smile ID, you can verify over 8500 documents across 220 countries globally (including Ghana) with 96% OCR accuracy.
Government Check: Our Enhanced & Biometric KYC products allow you to verify customer information against 4 government ID databases, accessing up to 21M+ ID records in Ghana.
Enhanced Document Verification: Combine government checks with document verification to add an additional layer of security when onboarding customers.
Enhance your security with advanced authentication solutions.
Smartselfie Authentication: This uses 6 AI-powered anti-spoof models for liveliness checks, crucial for detecting fraud during logins and sensitive transactions. With a 99.8% accuracy rate for African faces, it ensures secure access to your system or service.
Integrate SmartSelfie Authentication into your multi-factor authentication system to accurately verify users' identities when they attempt to access your system or service.
All you need to stop fraud in its tracks in one place.
AML Check: Instantly screens users against 1100+ global and African sanctions, PEP, and adverse media lists.
Duplicate Account: Prevent multiple account fraud by scanning previously registered faces in real-time with our Smile Secure product.
Integration options
Seamlessly integrate our solutions with your existing infrastructure via API or no-code options, and automate your compliance. Available integration options include:
Smile Links: Flexible, no-code option for creating customised user verification flows
SDKs: iOs, Android, Hosted Web, Flutter, REACT Native
Server-to-server libraries: Ruby, Java, PHP, Python, node.js
Ready to get started?
We are equipped to help you level up your KYC/AML compliance stack. Our team is ready to understand your needs, answer questions, and set up your account.