United Bank for Africa (Ghana) Limited pioneered the entry of a new generation of foreign banks into the country in January 2005. The presence of UBA Ghana in the banking industry in Ghana over the last seven years has galvanized banking onto a higher performance level where competition and innovation in responding to the needs of the customer have become the driving force of the industry. UBAâ€™s world class customer driven innovations has earned her the confidence of the Ghanaian public as it continues to provide banking services to a wide variety of customers. The objective of UBA Ghana is to democratize banking with excellent customer driven solutions. The bank seeks to bring financial services to a majority of the Ghanaian populace and make it a basic entitlement for all. UBA Ghana has been at the forefront of many product innovations within the Ghanaian banking landscape including the revolutionary Cashless Account which permits customers to open accounts without an initial deposit which was the first of its kind in Ghana.