The Bank of Ghana has blacklisted 20 unlicensed loan apps and warned Ghanaians to stop using them immediately. AdvertisementOn Monday, 3, 2026, the central bank issued a public notice naming apps that are operating illegally in Ghana, breaking the country’s new digital lending rules. Why This Matters to YouThese unlicensed apps put your personal data, money, and financial future at risk. The Bank of Ghana says the apps breach the Directive for Digital Credit Service Providers, a set of rules that took effect in September 2025 to protect borrowers. They follow Ghana’s rules and have real recourse if something goes wrong.