Access Bank Ghana has partnered with Mastercard to introduce a youth digital finance program in an effort to redefine financial empowerment among young people. In addition to enhancing Access Bank’s reputation as a progressive and youth-focused financial institution, this groundbreaking partnership also supports Mastercard’s broader objective of promoting financial inclusion across Africa.
To equip the next generation with early access to essential financial tools and knowledge, the two organizations have launched a new card offering under Access Bank’s youth banking initiative, AccessU. Thoughtfully designed for Ghanaians between the ages of 13 and 40, this initiative reflects a deep understanding of the unique financial experiences young people encounter as they grow and mature.
AccessU supports and empowers users throughout their financial journey by structuring its offerings around three major life stages: teenagers, young professionals, and middle-aged professionals. Each stage includes customized features tailored to specific financial goals.
For teenagers, the program offers a prepaid or reloadable debit card enhanced with features such as expense tracking, parental controls, and scheduled allowances. These tools teach essential money management skills like budgeting, saving, and responsible spending. Teens can also enjoy discounts on popular gaming, streaming, and educational platforms—merging financial literacy with their daily interests.
As users transition into young adulthood, the offering expands to include a debit card paired with an entry-level credit card. Through the use of soft credit scoring, it helps first-time borrowers build credit responsibly. This phase also introduces Buy Now, Pay Later (BNPL) options for e-commerce, travel, and gadgets, along with exclusive rewards on digital subscriptions. Furthermore, it places a strong emphasis on wealth-building through investment-backed cashback cards, enabling users to grow their finances while spending.
The product becomes even more comprehensive for more experienced professionals. It includes premium debit and credit cards packed with lifestyle benefits such as health insurance, travel incentives, and career development rewards. Additionally, SME-linked corporate cards are available for executives and entrepreneurs, providing the tools needed to scale their businesses effectively.
According to Folasade Femi-Lawal, Country Manager and Area Business Head for West Africa at Mastercard, “This launch reflects our shared commitment with Access Bank Ghana to shape a more financially confident and digitally included generation. We are embedding literacy and secure digital tools from an early age—empowering youth and giving families peace of mind.”
Pearl Nkrumah, Executive Director of Retail and Digital Banking at Access Bank Ghana, added, “Our youth are not just the future—they are the now. We’re creating more than just banking solutions; we’re building opportunities, boosting employability, and nurturing young entrepreneurs.”
This youth digital finance in Ghana campaign is especially timely. With 57% of the nation’s population under the age of 25, there is a growing demand for accessible, stage-specific financial tools. Through this initiative, Access Bank and Mastercard aim to close the financial inclusion gap while also offering fintechs, retailers, and educational platforms valuable opportunities to engage meaningfully with young Ghanaians.
The card will be available at Access Bank branches and through its digital platforms.
