smileid

Instant AML and KYC compliance solution for Ghana

Smile ID equips businesses with efficient tools to ensure comprehensive AML and KYC compliance through its robust identity verification solutions in Ghana. Our platform enables the immediate authentication of customer identities, facilitating smooth onboarding processes that comply with KYC, AML, and data protection standards required by Ghanaian regulations.

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Ghana Overview

Regulatory Overview

KYC/AML regulations

AML/KYC regulations in Ghana are enforced by a number of regulators, including the:

Bank of Ghana (BoG),
Securities Exchange Commission,‍
Financial Intelligence Centre.

The primary legislation governing KYC/AML in Ghana are the Anti-Money Laundering Act of 2008 and the Banking Act of 2004.

Choose Smile ID as your trusted compliance partner for AML/KYC regulations in Ghana!

Data protection regulations

Data protection in Ghana is regulated by the Data Protection Act, which is enforced by the Data Protection Commission (DPC).

Financial institutions and regulated entities are required to obtain necessary consent before obtaining KYC documents and ensure the security and confidentiality of the documents.

Accurately authenticate and onboard users in Ghana

Expand your business in Ghana with Smile ID. We help fast-growing companies stay compliant, prevent fraud, and simplify user verification processes with ease. Confidently verify Ghanaian users and prevent fraud:

Ghana - Access ID verification through 4 API Authorities covering over 21 million ID records in Ghana.

Ghana - Validate up to 10 ID documents, including Ghanaian National ID, Driver’s Licence, Passport, Voter ID, and more.

Ghana - Validate up to 4 ID numbers, including Ghanaian Voter's ID number, SSNIT, Passport and more.

Ghana - Utilise de-biased models with 99.8% accuracy for all African skin tones.

Ghana - Implement image capture SDKs optimised for low bandwidth and compatible with software versions as low as Android 5.0.

Ghana - Conduct global AML checks against over 1100 global sanctions, PEPs, and adverse media watchlists.

Ghana - Ensure enterprise-level security with ISO 27001, SOC 2 Type 1 & 2 certifications.

Instantly verify up to 10 ID documents in Ghana

Ghanaian National Identity Documents

The Ghana National ID system includes various identification cards such as the ECOWAS ID, Consular IDs, and Diplomat IDs.

Ghanaian Drivers License

The Ghana Drivers License is an official document issued to individuals who have successfully completed the necessary tests to operate motor vehicles legally in Ghana. This license serves as both an identification document and proof of the holder’s legal right to drive. It contains personal information, a photograph, and details of the driving categories the individual is permitted to operate.

Ghanaian Health Card

Ghana Health Cards, such as the Health Insurance Card, are issued to individuals enrolled in the National Health Insurance Scheme (NHIS). These cards provide proof of health insurance coverage and allow users to access healthcare services and benefits under the NHIS.

Ghanaian Passport

The Ghana Passport is a crucial international travel document issued to Ghanaian citizens. It contains the holder’s personal information, photograph, and biometric data and serves as proof of identity and citizenship at border crossings and immigration checkpoints. The passport enables Ghanaians to travel abroad for various purposes, such as tourism, business, or education and facilitates their return to Ghana.

Ghanaian Registration Certificate

The Ghana Registration Certificate is a legal document issued to businesses and organisations registered with the Registrar General’s Department. It serves as proof of legal registration and includes essential details about the entity, such as its name, registration number, and date of incorporation.

Ghanaian Resident ID

Ghana Resident IDs, including residency permits and residency cards, are issued to non-citizens living in Ghana. These documents provide proof of legal residency and include personal information and the duration of the permit. Residency permits can be temporary or permanent, allowing non-citizens to legally live and work in Ghana.

Ghanaian Seaman's ID

These documents provide proof of the holder’s identity and qualifications as a seafarer. The Ghana Seamans ID, which includes the Seaman ID and Seaman Book, are issued to individuals working in the maritime industry. The Seaman ID is a basic identification card, while the Seaman Book is a comprehensive record of the seafarer’s career, including details of voyages, certifications, and qualifications.

Ghanaian Social ID

Ghana Social IDs, such as the Social Identity Card and Social Security Card, are issued to individuals for social security and welfare purposes. The Social Identity Card is used for identification within social services and welfare programs. The Social Security Card, issued by the Social Security and National Insurance Trust (SSNIT), tracks citizens contributions and benefits.

Ghanaian Travel Document

Ghana Travel Documents, including border crossing documents, refugee documents, and visas, facilitate travel and legal stays in Ghana or abroad. Border crossing documents are used to cross borders between Ghana and neighbouring countries, promoting regional mobility. Refugee documents are issued to refugees for identification and travel purposes, ensuring their rights and protection.

Ghanaian Voters ID

The Ghana Voters ID is issued to eligible Ghanaian citizens to enable them to participate in national and local elections. This card serves as proof of identity and voting eligibility, containing the holder’s personal details, photograph, and unique voter identification number.

Verify Ghanians using ID documents

Verifying users with ID documents and biometric face matching is one of the most reliable ways to determine a user's true identity. Our ID document verification solution checks that an ID document is authentic, accurately transcribes the text on the document and compares a user-submitted selfie to the document image.

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Scan your document

Our image capture tools guide users to take clear photos even with older devices.

Smile for a selfie

Ensure the real user is behind the camera with a smile to test for liveness.

Get real-time results

In a few seconds, you will confirm the document is authentic and belongs to the user behind the camera.

Comprehensive Identity verification
(KYC/AML) solution in one place

Choose the best method to verify and onboard your customers efficiently.

Document Verification: Verify over 8500 documents across 220 countries globally, including Angola, with a 96% OCR accuracy.

Enhance your security with advanced authentication solutions.

Smartselfie Authentication: Protect your system with our AI-powered SmartSelfie Authentication solution, boasting a 99.8% accuracy rate for African faces. Integrate this into your multi-factor authentication system for accurate identity verification during access attempts.

Access all the tools you need to stop fraud in one place.

AML Check: Run AML checks on users against against 1100+ global and African sanctions, PEP, and adverse media lists.

Duplicate Account Prevention: Prevent duplicate account fraud with real-time scanning of previously registered faces during onboarding using our Smile Secure product.

Integration options

Seamlessly integrate our solutions via API or no-code option with your existing infrastructure to automate compliance.

Smile Links: A flexible, no-code option for creating customised user verification flows

SDKs: Available for iOS, Android, Hosted Web, Flutter, and React Native

Server-to-server libraries: Support for Ruby, Java, PHP, Python, and Node.js

REST API: Robust and flexible integration for efficient compliance automation

See what Smile ID can do in your market

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