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In forceConductLast checked 13 November 2026

Dormant accounts return

A regulatory return listed by the Bank of Ghana (BoG), Ghana.

Reports the accounts a regulated financial institution has transferred to its dormant account register (accounts inactive for 5 years or more) and details of any dormant accounts reactivated, so the Bank of Ghana can monitor compliance with the dormancy, advertising and transfer process set out in the Directive and section 143 of Act 930. Source

Official title: Return on accounts transferred to the dormant account register

The facts

Who files
Banks and Specialised Deposit-Taking Institutions regulated under Act 930. Source
How often
Monthly, on the Bank of Ghana's prescribed form. The return covers accounts moved into the dormant account register and dormant accounts brought back into use. Source
Deadline
Not stated beyond 'monthly basis'; no number of days after the month end is given. Separately, a validated reclaim must be submitted within 5 working days of receiving the claim, and the advice of funds transferred to BOG must follow 21 to 28 calendar days after the newspaper notice. Source
Format
Other. 'Using the form specified by the Bank of Ghana'; no form was found published on the pages read. Source
How it is filed
Filing route recorded for the BoG: PSA Returns. See how firms file with the BoG.
Status
In force
Legal basis
Group
Conduct

Templates (0)

The library lists no templates for this return.

No published form for the monthly return to BOG. Annexure 1 to the Directive is a newspaper-notice format for advertising dormant accounts to customers, not the return to BOG. Source

Validation rules

No published validation rules were found for this return. No validation rules were found on the Bank's public pages. Source

Public data

No published data from this return was found. The return data itself is not published. A regulated financial institution must separately advertise dormant account holders' names in newspapers before transfer (Annexure 1), and the Bank's Unclaimed Balances page is a lookup tool for individual claimants to trace their own funds, not a published dataset of transferred balances. Source

Official documents (2)

The BoG's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

  • Unclaimed Balances and Dormant Accounts Directive

    Legal text · PDF · 871.3 KB · February 2021

    For banks and Specialised Deposit-Taking Institutions. Its Annexure 1 is the newspaper-publication format for notifying dormant account holders, not the monthly return to BoG, which has no published form.

    SHA-256 9a9eeb1f2464show in full9a9eeb1f2464495959e8ecd2cab75faad8ad53b1e5bd25b5e7a775d0d5e7d330
  • Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930)

    Legal text · PDF · 741.3 KB · 2016

    SHA-256 35da5f9d7b64show in full35da5f9d7b641f9d32cf798fa8323392642f6166d33ed63f94601e95c89e8ae1

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see BoG's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Line4 wrote this page in its own words from the BoG's public website and links to the BoG's own pages as the source; the BoG has not reviewed or endorsed it, so always check the BoG's own published text before relying on it.

Last checked 13 November 2026.