It can be set by the bank up for only account holders or the customer can set up himself or herself through our CalNet. It is mostly established on current accounts for the movement or transfer of internal and external funds.

• It is established based on clients’ instruction
• No liability on the bank as a result of insufficient funds
• Transfer amounts are agreed by the client
• Convenient arrangement to effect payments when it is due
• Flexible to change payment dates and amount
• Reliable payment channel

• Limited to only accountholders

• A HerMes account
• Transfers to external bank accounts attract a fee. See our charges guide to know more
• Transfer within two HerMes accounts is free

• 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 GHS200.00)

• Free sign on to CalNet, 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 GHS20.00

• 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#), CalNet, Agent Banking, POS and ATM services