Etranzact Cardholders can use their cards in Ghana and Nigeria

A news item on Vanguard’s website indicates that Nigerian-issued Etranzact cards can be used on Etranzact-linked ATMs in Ghana and vice-versa:

A very big one is the possibility of Nigerian and Ghanaian eTranzact cardholders to withdraw cash from any ATM in Nigeria and Ghana and have their accounts debited accordingly. This service is designed for all categories of people who travel between Nigeria and Ghana. Stakeholders agree that eTranzact’s partnership with Intercontinental Bank to bring this idea to fruition is a great feat.

I figure the cards will work on Intercontinental Bank Ghana’s ATMs. I am aware that Zenith Bank Ghana and UBA Ghana and a few other Ghanaian institutions are also linked to the Etranzact Ghana’s network, but I am not sure if Nigerian-issued Etranzact cards will work on these as well.

This is not the first time an electronic payment network is linking Ghana and Nigeria. I had used an international VISA Debit/ATM card issued by Ecobank Ghana on some of Access Bank’s VISA-enabled ATMs in Lagos last year. Many banks in Nigeria issue Mastercard credit/debit cards and I am sure these would work on the few Mastercard ATMs in Ghana as well.

All these should go a long way to make moving money between ECOWAS countries safer, faster and cheaper. This would ultimately boost regional trade.

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Oluniyi D. Ajao
Oluniyi D. Ajao is an Internet Entrepreneur and Tech Enthusiast based in South Africa. Follow him on twitter @niyyie for more tech updates.


  1. Etranzact and Interswitch have little or nothing to do with Paypal extending its services to residents of Nigeria. What can perhaps improves the chances of Nigeria would be that Mastercard and Visa cards become widespread. However, I doubt if these are the issues. See my previous post: Paypal Nigeria.

  2. hi davidajao
    my question is how can guys like e-tranzact and interswitch become
    big as there bros like europay,visa and mastercard

    • My opinion is, eTranzact and InterSwitch are not exactly like Visa and Mastercard. Even then, Visa and Mastercard are truely worldwide while eTranzact is available in very few countries. InterSwitch targets residents of Nigeria only. Therefore, eTranzact and InterSwitch becoming that big is nearly impossible.

  3. please, which website can one top up mobile phone making the use of ATM in Ghana if there is any at all?
    or is there no online top up site using ATM supported by ATM.
    SCHRODINGER should be able to give that details,you are conversant with the internet.

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