First 90 days in Accra: housing, banking, and getting settled
Avoid common early pitfalls and build routines that make your arrival feel like home.
Finding housing that works for you
The Accra rental market moves fast. Furnished apartments in areas like East Legon, Airport Residential, and Cantonments are popular among new arrivals for their proximity to amenities and international communities. Expect to pay rent up to 6–12 months in advance—a local practice that catches many newcomers off guard.
Work with a reputable estate agent or a relocation service to avoid common pitfalls: unlicensed properties, inflated foreigner pricing, and neighbourhoods that look appealing online but present practical challenges.
Opening a bank account
Having a Ghanaian bank account simplifies everything from paying rent to receiving local income. Most major banks—Ecobank, Stanbic, Absa, and GCB—offer accounts for non-nationals with a valid residence permit.
You'll typically need your passport, proof of address in Ghana, and an introductory letter from your employer or sponsor. Processing takes a few days to two weeks depending on the bank and account type.
- 01Ecobank — strong digital banking, widely accepted
- 02Stanbic Bank — good for international transfers
- 03Absa Ghana — solid branch network across Accra
- 04GCB Bank — largest local bank, extensive ATM coverage
Transport and getting around
Accra's road network is improving, but traffic can be significant during peak hours. Having your own vehicle—or reliable access to one—makes a substantial difference. International driving licenses are accepted, and local licenses can be obtained through the DVLA.
Ride-hailing apps like Bolt and Uber operate well in Accra and are a safe, convenient option for daily travel without the hassle of ownership.
Utilities and home connectivity
Electricity is supplied by ECG and load-shedding (known locally as 'dumsor') can occur. Many residential compounds have generator backup—confirm this before signing a lease. Water supply is reliable in most of Accra's main residential areas.
For internet, MTN, Vodafone, and AirtelTigo all offer fibre and mobile broadband options. Installation for home fibre typically takes 1–2 weeks.
Building a routine and feeling at home
The first 90 days are about establishing your foundation. Shopping at markets like Makola or Junction Mall, discovering your local chop bar, and building a small network of trusted contacts—from a reliable mechanic to a good doctor—dramatically improves your quality of life.
Ghana's people are genuinely warm and welcoming. Taking time to learn a few words of Twi, being patient with the pace, and embracing the culture rather than fighting it makes the transition immeasurably smoother.