Number of ATMs declined by 0.5% to 2,272 in 2024 – BoG
The number of Point of Sales (POS) terminals deployed, however, increased by 16.2% to 18,117 at end-December 2025 from 15,597 at end-December 2024.
According to the Bank of Ghana's 2025 Payment Systems Oversight Annual Report, the number of ATMs deployed by banks in Ghana declined by 0.5% in 2025 to 2,272. This decrease, from 2,283 ATMs in 2024, was attributed to some banks decommissioning terminals to improve operational efficiency. In contrast, the number of Point of Sale (POS) terminals rose significantly by 16.2% to 18,117 at the end of December 2025, up from 15,597 at the end of the previous year.
Despite the rise in POS terminals, the report highlighted that both ATM and POS coverage in Ghana remained low. For every 100,000 adults aged between 15 and 64, only 10 ATMs and 80 POS devices were available in 2025, compared to 10 ATMs and 71 POS devices in 2024. The modest increase in the availability of ATMs and POS devices was largely due to a shift in payment preferences towards mobile money services.
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- Number of ATMs declined by 0.5% to 2,272 in 2024 – BoG myjoyonline.com
