PUBLIC BANK OF GHANA NOTICE TO THE GENERAL PUBLIC NOTICE NO.BG/GOV/SEC/2026/25

PUBLIC BANK OF GHANA NOTICE TO THE GENERAL PUBLIC NOTICE NO.BG/GOV/SEC/2026/25 NOTICE TO ALL LICENSED FINANCIAL INSTITUTIONS AND THE GENERAL PUBLIC UNLICENSED DIGITAL CREDIT SERVICES PROVIDERS Reference is made to the notice from the Bank of Ghana on unlicensed Digital Credit Services Providers (DCSPs) - NOTICE NO.BG/GOV/SEC/2026/22. The Bank has observed the continued operation of entities providing digital loans to the Ghanaian public through digital channels without the requisite licence or authorisation from the Bank of Ghana. Such activities are conducted in contravention of the Directive for Digital Credit Service Providers in Ghana (September 2025) published under Notice No. BG/GOV/SEC/2025/30 and other relevant laws. The Bank wishes to inform the public that the following mobile loan applications are operating without the requisite licence or authorisation from the Bank of Ghana: NO NAME OF LOAN APP 1 Adamfo Loan 2 Agyapacredit 3 Amanfi Loan 4 Arco Cash 5 Aya lend 6 Bucks Now 7 CediGo 8 CGrab 9 DumboCash 10 FCash NO NAME OF LOAN APP 11 Gh Loans 12 GH Loans pro 13 Hasty Credit 14 Newgry Money Tree 15 Omanpesa 16 PoPoCedi 17 Ready Money 18 Sika Tap 19 Sikapa Loan 20 Zigwe Loan The Bank reiterates that the operations of the entities constitute significant violations of customer data privacy, consumer protection, and established regulatory standards. PUBLIC PUBLIC BANK OF GHANA NOTICE TO THE GENERAL PUBLIC NOTICE NO.BG/GOV/SEC/2026/25 NOTICE TO ALL LICENSED FINANCIAL INSTITUTIONS AND THE GENERAL PUBLIC UNLICENSED DIGITAL CREDIT SERVICES PROVIDERS Reference is made to the notice from the Bank of Ghana on unlicensed Digital Credit Services Providers (DCSPs) - NOTICE NO.BG/GOV/SEC/2026/22. The Bank has observed the continued operation of entities providing digital loans to the Ghanaian public through digital channels without the requisite licence or authorisation from the Bank of Ghana. Such activities are conducted in contravention of the Directive for Digital Credit Service Providers in Ghana (September 2025) published under Notice No. BG/GOV/SEC/2025/30 and other relevant laws. The Bank wishes to inform the public that the following mobile loan applications are operating without the requisite licence or authorisation from the Bank of Ghana: NO NAME OF LOAN APP 1 Adamfo Loan 2 Agyapacredit 3 Amanfi Loan 4 Arco Cash 5 Aya lend 6 Bucks Now 7 CediGo 8 CGrab 9 DumboCash 10 FCash NO NAME OF LOAN APP 11 Gh Loans 12 GH Loans pro 13 Hasty Credit 14 Newgry Money Tree 15 Omanpesa 16 PoPoCedi 17 Ready Money 18 Sika Tap 19 Sikapa Loan 20 Zigwe Loan The Bank reiterates that the operations of the entities constitute significant violations of customer data privacy, consumer protection, and established regulatory standards. The Bank of Ghana will continue to collaborate with relevant state institutions to identify, investigate, and take appropriate enforcement action against such entities in order to safeguard consumers and uphold the integrity and stability of the financial sector. The general public is therefore strongly advised not to engage with unlicensed loan providers, Banks, Specialised Deposit-Taking Institutions (SDIs), and Payment Service Providers (PSPs) are also cautioned against facilitating or processing transactions on behalf of unlicensed loan providers. Members of the public who become aware of the activities of unlicensed loan providers are encouraged to report them to the Bank of Ghana at: The Head Fintech and Innovation Department Bank of Ghana The Bank Square 42 Castle Road Ridge, Accra Tel: +233 30 273 9650 Email: fintech@bog.gov.gh / digitalcredit@bog.gov.gh Website: www.bog.gov.gh All Stakeholders are advised to take note. (SGD.) Aimee Vyda Quashie (MS.) THE SECRETARY OF THE BANK 3RD AUGUST, 2026 PUBLIC DIGITAL CREDIT PROVIDERS BANK OF GHANA EST. 1957 BUSINESS / FINANCE BANK OF GHANA (BOG) WARNS PUBLIC AGAINST 20 UNLICENSED DIGITAL CREDIT PROVIDERS For the latest news f @utvghana