The rule
In Ghana, a bank can open a non-interest window without new capital
A conventional bank applies to the Bank of Ghana, which reviews its capital, risk and operations. Extra capital is only required if that review says so.
“Additional capital is not required unless the evaluation concludes that additional capital is necessary”
Bank of Ghana, Guideline for the Regulation and Supervision of Non-Interest Banking in Ghana, 13 January 2026, para 25
How to use it
Bank or finance company
A window is the lower-cost route in. Prepare for the review of capital, risk profile and operational capacity.
Fintech or advisory firm
Banks taking this route will need product design, systems and staff training.
Saver or investor
If your bank opens a window, ask for its profit-sharing terms and the written loss notice before you move money.
Compared with conventional finance
| Conventional | Non-interest |
|---|---|
| Not applicable: this is a licensing route, not a product. | Apply to the Bank of Ghana; extra capital only if the evaluation requires it (para 25). |
What it costs you: The window still needs separate books and governance under the same guideline.
First published in Africa Islamic Finance, edition 1, 12 November 2026.
This explains a regulator's rule. It is not a Sharia ruling or legal advice. For a ruling, ask a qualified scholar.