Digital Fraud, Card Disputes lead Bank of Ghana customer complaints in 2025

Digital fraud and card-related disputes were the most common complaints submitted by bank customers in 2025, according to the Bank of Ghana’s latest Annual Report.

The report, cited by myjoyonline.com on July 7, 2026, indicated that the central bank received 845 complaints from customers and members of the public during the year, representing an increase of nearly 14 percent compared to the previous year.

The complaints were mainly related to digital fraud incidents and challenges involving bank cards. Other concerns raised by customers included unauthorised loan applications, delays in processing banking instructions, difficulties accessing matured investments, unauthorised account deductions, and various loan-related disputes.

Out of the total complaints received, the Bank of Ghana successfully resolved 681 cases, translating into a resolution rate of 80.6 percent.

Although complaints increased during the period, the central bank said it responded swiftly to customer concerns and resolved a significant number of cases.

The report highlighted that the Bank of Ghana has implemented several measures over the years to improve accountability in the banking sector and strengthen mechanisms for addressing customer grievances.

It noted that the increase in reported cases could also indicate growing public confidence in the available channels for seeking redress when they encounter challenges with financial institutions.

The central bank added that it continues to collaborate with banks and other stakeholders in the financial sector to improve fraud prevention systems, strengthen consumer protection, and enhance the overall quality of banking services.

Prince Antwi

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