• By investing in Fixed income securities through HerMes, you are guaranteed continuous stream of cash flows in the form of coupon/interest payments at an attractive interest rate in addition to the full payment of the face value on maturity
• The securities can appreciate in value and offer more stability of principal than other investments
• These investment instruments are relatively low-risk investments offering very attractive returns.
• Furthermore, you need not hold the securities bought from HerMes until maturity. You could sell them to other investors on the secondary market for cash
• Investing in these instruments offer you an opportunity to diversify your investment portfolio no matter your financial objective

• Anyone above 18years can buy fixed income securities. However, one can buy fixed income securities for a minor and hold it in trust for him or her. It can also be held in trust for family members, friends or organizations

Individual client

• KYC document
• Valid National ID (Voter’s ID, Passport, Drivers Licence and Ghana Card)
• Passport size photo

Student

• KYC document
• Valid National ID (Voter’s ID, Passport, Drivers Licence and Ghana Card)
• Passport size photo

Minor

• KYC document of minor
• KYC document of parent or guardian
• Birth certificate or Passport
• Valid National ID of parent or Guardian
• Passport size photo of minor
• Passport size photo of parent or guardian

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