• Competitive and tiered interest rates shall be paid on this account
• Free e-statements
• Robust platforms to enable you conveniently save and build up funds
• Structured to enable you save for at least three (3) years before any withdrawal
• Access to HerMes's Mortgage Facility after saving up to fifteen (15%) of the value of the property you intend to purchase. (Terms and conditions apply)
• Minimum Account Balance to earn interest: XCD 1,500.00
• Minimum monthly contribution: XCD500.00

• All aspiring Property owners age 18 years and above

• Valid National ID e.g. Passport, Drivers’ License, Voter’s ID Card, SSNIT Card, Ecowas Card
• One (1) recent passport-size picture.
• Proof of Residential Address (E.g. Utility Bill, Introduction by a Current A/C holder of any Bank, Location Verification)
• Initial deposit (based on account) is either
• XCD2500.00 / USD5000.00 / EUR5000.00 / GBP5000.00

Additional Requirements for Non-Ghanaians Resident

• Residence Permit

• Access to HemNet (view only feature) to monitor account
• Setup a standing order from your current/savings account or submit proof of an established standing order instruction (If the client does not operate an account at HerMes)

• No limit on number of transactions

• No monthly service charge

• Free monthly e-statements

• Competitive and tiered interest is paid based on account balance (minimum balance to earn interest is XCD2000.00)

• Free sign on to HemNet, HerMes Online Services (HerMes App & *771#), HerMes E-Alerts.

• Access to E-Zwich Cards

• Students will also have the flexibility of converting the account to a liability product of choice after school

• All Tertiary Students from the age of 18years and above

• Must be enrolled in a tertiary or higher education institution

• Student ID Card or a copy of Student admission letter

• Initial deposit is XCD200.00

• Account can be opened instantly and operated without coming to the banking halls

• Multiple outlets to perform the needed transactions. (Online, HerMes Branches & all Visa and Gh-Link branded ATMs and POS)

• Easy access to funds via HerMes Payment Solutions; HerMes Mobile Banking (HerMes App & *771#), HemNet, Agent Banking, POS and ATM services