SSNIT Partners Banks, Launches Co-location Points to Ease Pension Access
In a significant move to improve accessibility and convenience for contributors and employers, the Social Security and National Insurance Trust (SSNIT) has launched Co-location Service Points in collaboration with selected banks across the country. This initiative forms part of SSNIT’s broader digital transformation agenda aimed at boosting compliance, enhancing service delivery, and sustaining Ghana’s pension scheme.
Speaking at the 2025 Employers’ Breakfast Meeting, SSNIT’s Director-General, Mr. Kwesi Afreh Biney, revealed that the Co-location Points are being established within the premises of major partner banks to bring SSNIT services closer to clients.
“With this initiative, contributors and employers can access core SSNIT services directly from these banking halls without necessarily visiting our district or regional offices,” Mr. Biney explained. “This is about meeting our clients where they are, reducing travel time, saving cost, and making service delivery more convenient and efficient.”
The Co-location Service Points offer a range of services, including submission of contribution reports, payment of contributions, application for clearance certificates, and resolution of account issues. These service points are staffed with trained SSNIT personnel who assist clients just as they would at SSNIT offices.
Mr. Biney also highlighted other components of SSNIT’s ongoing digital transformation, including the 24/7 Virtual Branch, the Self-Service Portal, and the Mobile App, all of which are geared towards empowering employers and contributors to interact with SSNIT remotely and independently.
“Our transformation agenda is anchored on transparency, efficiency, and user-centered innovation,” he said. “We believe that by simplifying access and leveraging technology, we can increase compliance and ensure a more sustainable pension fund for future generations.”
SSNIT currently records a compliance rate of nearly 80% and has set an ambitious target of reaching 90% by the end of 2025. According to Mr. Biney, the co-location strategy is one of the measures expected to close the gap by making it easier for employers—especially those in hard-to-reach areas—to comply with pension regulations.
Adding his voice at the event, Mr. Collins Apraku, the Ashanti Regional Manager of the National Pensions Regulatory Authority (NPRA), commended SSNIT for its proactive approach to making pension services more accessible.
“The decision to partner banks and create these Co-location Points is a strategic breakthrough. It reflects SSNIT’s understanding of the real challenges contributors face, especially in regions with limited office coverage,” Mr. Apraku said. “This is not only a game changer in service delivery but also a major step toward securing the retirement future of Ghanaian workers.”
The Employers’ Breakfast Meeting brought together stakeholders from the public and private sectors, including HR professionals, finance officers, and union leaders. Attendees were briefed on the latest SSNIT reforms and given demonstrations on how to access services through the new co-located banking outlets and digital channels.
As SSNIT deepens its collaboration with banks and continues its investment in digital platforms, the Trust is positioning itself as a modern, client-focused institution committed to building a more responsive and inclusive pension system for Ghana.
