Credit and debit cards are accepted by some leading hotels, restaurants, banks, businesses and upmarket shops in Accra, but are seldom accepted elsewhere in the country, and fraud is quite common. In large urban areas such as Accra and Kumasi, a safer bet is to draw local currency from one of the many ATMs that accept international credit cards.
By far the most widely accepted type of card is Visa. MasterCard is also accepted at some outlets, but other brands, including American Express and Diners Club, are near useless in Ghana.
In large urban areas such as Accra and Kumasi, ATMs accepting international Visa cards (and occasionally MasterCard) are commonplace.
Travellers cheques are close to useless in Ghana. One of the few places that will exchange them is the head office of Barclays Bank in Accra and Takoradi, but it seems likely this facility will eventually close too.
Mon-Fri 0830-1600; some banks also open Sat 0800-1200.