Digital fraud and card-related disputes topped the list of complaints lodged 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, revealed that the central bank received 845 complaints from customers and members of the public during the year, marking an increase of nearly 14 percent compared to 2024.

Beyond digital fraud and card disputes, customers also raised concerns about unauthorised loan applications, delays in processing banking instructions, difficulties in accessing matured investments, unauthorised account debits, and other loan-related issues.

Out of the 845 complaints received, the Bank of Ghana resolved 681 cases, achieving a resolution rate of 80.6 percent.

Despite the rise in complaints, the central bank noted that it responded promptly to concerns and was able to resolve the majority of cases.

The report noted that the Bank of Ghana has, over the years, introduced measures to strengthen accountability within the banking sector and improve the handling of customer complaints.

It added that the growing number of reported cases could reflect increasing customer confidence in using available channels to seek redress when challenges arise with financial institutions.

The central bank further stated that it is working closely with banks and other industry stakeholders to bolster fraud prevention measures and enhance customer service across the sector.

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