Forex brokers with cent accounts allow you to trade in cents instead of dollars, lowering the entry point significantly. This option can make the difference between being able to participate and being priced out. It is a popular starting step for Ghanaian traders who want to trade cautiously.
Our guide covers the following:
- Why are cent accounts popular among Ghanaian forex traders?
- 7 Best Cent Account Brokers in Ghana
- A roadmap for Ghanaian traders in scaling from cent accounts to standard accounts
- Our conclusion on the best cent account brokers
- Cent account broker FAQs from Ghanaian traders
To identify the best cent account brokers in Ghana, every option was reviewed against key factors such as regulation, platform quality, trading costs, deposit methods, and support.
We also consider some local relevance for Ghanaians, like GHS-denominated accounts, local deposit and withdrawal methods, and the availability of Ghana-based support.
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7 Best Cent Account Brokers in Ghana
| 🥇 Broker Trading App | 👉 Open An Account | ✔️ Ghanaian Cedi Account? | 💸 Minimum Deposit ($/GHS | 💳 Local Deposits Allowed? |
| 1. RoboForex | 👉 Open Account | No | $10 (120 GHS) | No |
| 2. JustMarkets | 👉 Open Account | No | $10 (120 GHS) | No |
| 3. InstaForex | 👉 Open Account | No | $1 (12 GHS) | No |
| 4. Vantage Markets | 👉 Open Account | No | $50 (600 GHS) | No |
| 5. Exness | 👉 Open Account | Yes | $10 (120 GHS) | Yes |
| 6. HFM | 👉 Open Account | No | $0 | No |
| 7. BDSwiss | 👉 Open Account | No | $10 (120 GHS) | Yes |
Why are cent accounts popular among Ghanaian forex traders?
Cent accounts are popular among Ghanaian forex traders because they lower the barrier to trading without removing live market experience. Balances are displayed in cents instead of dollars, which means a deposit of 10 dollars shows as 1,000 cents.
This minor adjustment lets traders open micro and nano positions where one pip might only be worth a cent. Cent accounts offer a way to test strategies, deal with execution speed, and handle the psychology of gains and losses while lowering the risk of significant loss.
It’s also useful for anyone who wants to test automated systems or copy trades, since the account allows testing in a live market without large deposits.
The economic backdrop in Ghana adds to its popularity. Inflation, while cooling through 2025, has been a heavy influence on household budgets. Annual inflation printed 22.4% in March, before easing into the 11 to 12% range by August.
The Bank of Ghana has adjusted the policy rate from 28% in March to 25% by mid-year as conditions improved.
Meanwhile, the cedi has traded around 12.41 to the dollar as of late September. With that level of volatility and uncertainty, many traders want to participate but limit exposure, and cent accounts provide exactly that balance.
7 Best Cent Account Forex Brokers in Ghana
- RoboForex: Known for its ProCent account, it lets Ghanaians test strategies with micro-lots on MT4/MT5, and access leverage up to 1:2000.
- JustMarkets: Stands out with mobile-first access and a Cent account on MT4.
- InstaForex: Offers $1 Cent.Standard and Cent.Eurica accounts, giving beginners a low-cost entry point into forex and crypto.
- Vantage Markets: Provides a Cent account starting from $50 deposit for strategy testing with raw spread pricing and zero commissions.
- Exness: Popular in Ghana for its unlimited leverage and Standard Cent account, plus the ability to register and verify with a Ghana Card.
- HFM: Gives Ghanaians a zero-minimum Cent account with spreads from 1.2 pips and access to gold and forex.
- BDSwiss: Offers a Cent account from just $10 with strict regulation and award-winning trader education for emerging markets.
1. RoboForex
 | Minimum Deposit: $10 Regulated by: FSC Leverage: Up to 1:200 |
Overview
RoboForex stands out by linking Ghanaian traders to global assets tied closely to the local economy, such as cocoa, gold, and Brent crude. RoboForex combines offshore regulation with versatile platforms like MT4/MT5 and CopyFX.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | FSC Belize |
| 🏦 Ghana Availability | No local office, accepts Ghana residents |
| 💳 Cent Account Minimum Deposit | $10 / €10 |
| 💱 Cent Account Base Currencies | USD, EUR |
| 📈 Cent Account Leverage | Up to 1:2000 |
| 📉 Spreads on Cent Account | From 1.3 pips |
| 💹 Markets Offered on Cent Account | 28 forex pairs, metals |
| 📲 Trading Platforms | MT4, MT5, R StocksTrader, CopyFX |
| 🕌 Islamic / Swap-Free Option | Available on ProCent and Pro accounts |
| 💼 Account Verification in Ghana | Ghana Card, passport, or driver’s license plus proof of address |
| 💵 Funding & Withdrawals in Ghana | Local bank transfer, cards, Skrill, Neteller, AstroPay, STICPAY, Western Union |
| 🧑🏫 Education & Support for Ghanaians | Daily market analysis, calculators, economic calendar, 24/7 live chat |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| Access to cocoa, gold, and Brent crude markets relevant to Ghana’s economy | No Ghana cedi-denominated accounts |
| ProCent account with only $10 deposit | Offshore regulation, not licensed by Ghana SEC |
| Cashback, balance bonuses, and welcome promotions |
Frequently Asked Questions
Which platforms can I use RoboForex cent accounts on in Ghana?
You can trade via MT4 or MT5, both of which are supported for ProCent accounts.
Can I verify a RoboForex account with a Ghana Card?
Yes, RoboForex accepts a Ghana Card, passport, or driver’s license, plus proof of address.
2. JustMarkets
 | Minimum Deposit: $10 Regulated by: FSA, CySEC, FSCA, FSC Leverage: Up to 1:1000 |
Overview
JustMarkets stands out with an all-in-one app that allows funding, withdrawals, and trading of cent lots from a mobile phone, backed by 24/7 multilingual support.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | FSA Seychelles, CySEC, FSCA, FSC Mauritius, BVI FSC |
| 🏦 Ghana Availability | Available online, no local office |
| 💳 Cent Account Minimum Deposit | $10 |
| 💱 Cent Account Base Currencies | USC |
| 📈 Cent Account Leverage | Up to 1:3000 |
| 📉 Spreads on Cent Account | From 0.3 pips |
| 💹 Markets Offered on Cent Account | Forex, commodities |
| 📲 Trading Platforms | MT4 only for Cent |
| 🕌 Islamic / Swap-Free Option | Yes, available on request |
| 💼 Account Verification in Ghana | Ghana Card, passport, or driver’s license plus proof of address |
| 💵 Funding & Withdrawals in Ghana | Bank cards, wire transfer, Skrill, Neteller, STICPAY, crypto (BTC, ETH, USDT, others) |
| 🧑🏫 Education & Support for Ghanaians | Tutorials, daily forecasts, economic calendar, glossary, 24/7 multilingual live chat and app support |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| Commission-free trading on Cent account | Energy products excluded from swap-free |
| Leverage up to 1:3000 | Inactivity fee after 150 days |
| Access to MetaTrader 4 on Cent |
Frequently Asked Questions
What makes the JustMarkets Standard Cent account attractive for Ghanaians?
It combines a $10 minimum deposit, micro-lot trading, and leverage up to 1:3000.
Does JustMarkets allow crypto deposits for Ghanaian cent accounts?
Yes, funding is available through Bitcoin, Ethereum, Tether, and other coins with near-instant processing.
3. InstaForex
 | Minimum Deposit: $1 Regulated by: CySEC, FSC Leverage: Up to 1:1000 |
Overview
What sets InstaForex apart for Ghanaian cent account users is its wide market coverage (forex, shares, commodities, crypto, and even IPO CFDs) available with very small trade sizes.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | FSC BVI, CySEC |
| 🏦 Ghana Availability | Available online, no local office |
| 💳 Cent Account Minimum Deposit | $1 |
| 💱 Cent Account Base Currencies | USD, EUR |
| 📈 Cent Account Leverage | Up to 1:1000 |
| 📉 Spreads on Cent Account | 3–7 pips fixed (Cent.Standard), 0 pips + 0.03%–0.07% fee (Cent.Eurica) |
| 💹 Markets Offered on Cent Account | Forex, shares, indices, commodities, metals, crypto, IPOs |
| 📲 Trading Platforms | MT4, MT5, WebTrader, MobileTrader, ForexCopy, MultiTerminal |
| 🕌 Islamic / Swap-Free Option | Yes, available on all accounts |
| 💼 Account Verification in Ghana | Ghana Card, passport, driver’s license plus proof of address |
| 💵 Funding & Withdrawals in Ghana | Local bank transfer, cards, Skrill, PayCo, Internal Transfer, Neteller, crypto (BTC, ETH, USDT, LTC) |
| 🧑🏫 Education & Support for Ghanaians | Free training course, video tutorials, InstaForex TV, daily analysis, contests with prize funds |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| No limit on the markets available on Cent | Some withdrawal methods have high fees |
| Access to all platforms, plus ForexCopy and VPS | No GHS-denominated account option |
| Offers a Swap-Free Account option across live accounts |
Frequently Asked Questions
What is the minimum deposit for InstaForex cent accounts in Ghana?
You can open either Cent.Standard or Cent.Eurica accounts from just $1.
Can Ghanaians use ForexCopy with InstaForex cent accounts?
Yes, Cent accounts can access ForexCopy, where they can copy the trades of more experienced traders in real-time.
4. Vantage Markets
 | Minimum Deposit: $50 Regulated by: VFSC, CIMA, FCA, ASIC Leverage: Up to 1:500 |
Overview
The Vantage Cent account provides MT4 trading, raw spread access, and stable order execution, blending safety with low entry costs. Ghanaians also benefit from zero commission fees and the ability to transition to a Standard or Raw account once they’re ready.
AvaTradeGo also allows swap-free (Islamic) accounts on request, making it accessible for a variety of traders seeking compliant trading solutions.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | ASIC, FCA, VFSC, FSCA |
| 🏦 Ghana Availability | Available online, no local office |
| 💳 Cent Account Minimum Deposit | $50 |
| 💱 Cent Account Base Currencies | USD, EUR, AUD, GBP, SGD, CAD, NZD, JPY, HKD, PLN |
| 📈 Cent Account Leverage | Up to 1:500 |
| 📉 Spreads on Cent Account | From 0.0 pips |
| 💹 Markets Offered on Cent Account | Forex, gold/silver, oil (no shares or ETFs) |
| 📲 Trading Platforms | MT4 only for Cent |
| 🕌 Islamic / Swap-Free Option | Yes, on request |
| 💼 Account Verification in Ghana | Ghana Card, passport, driver’s license accepted |
| 💵 Funding & Withdrawals in Ghana | Bank cards, Skrill, Neteller, crypto, bank transfer, PayPal, Fasapay, Perfect Money, etc. |
| 🧑🏫 Education & Support for Ghanaians | Market outlooks, strategy articles, economic calendar, webinars |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| No-commission pricing model | Cent accounts are limited to certain markets |
| Islamic account option available | No Ghanaian cedi accounts offered |
| Low minimum deposit of $50 |
Frequently Asked Questions
How fast is order execution on Vantage Cent accounts for Ghanaian traders?
Execution is near-instant under normal market conditions.
Is there an inactivity fee on Vantage Markets Cent accounts for Ghanaians?
Yes, $10 per month applies after extended inactivity.
5.Exness
| Minimum Deposit: $10 Regulated by: CBCS, FSA, FSC, FSCA, CMA Leverage: Up to 1:2000 |
Overview
Exness offers Cent accounts with spreads from 0.3 pips, MT4 and MT5 platforms, and multiple funding options. Exness is an ideal broker for Ghanaians to trade in smaller volumes without sacrificing access to professional tools.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | FCA, CBCS, FSC, FSA, FSCA, CySEC, CMA, JSC |
| 🏦 Ghana Availability | Available, 24/7 support |
| 💳 Cent Account Minimum Deposit | From $10 |
| 💱 Cent Account Base Currencies | USC, EUC, GBC, CHC, AUC, and CAC |
| 📈 Cent Account Leverage | Unlimited leverage (default up to 1:2000) |
| 📉 Spreads on Cent Account | From 0.3 pips |
| 💹 Markets Offered on Cent Account | Forex, metals, crypto |
| 📲 Trading Platforms | MT4, MT5, WebTerminal, mobile apps |
| 🕌 Islamic / Swap-Free Option | Yes, swap-free available |
| 💼 Account Verification in Ghana | Ghana Card, passport, driver’s license, plus utility bill or bank statement |
| 💵 Funding & Withdrawals in Ghana | Local bank transfer, cards, Skrill, Neteller, crypto |
| 🧑🏫 Education & Support for Ghanaians | Local seminars, webinars, 24/7 multilingual support, market analysis |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| Unlimited leverage available | GHS not supported on Cent |
| 24/7 support and funding in Ghana | Wider spreads on Cent |
| Swap-free automatic in some regions | High leverage risk for new traders |
| Fast withdrawals, often instant |
Frequently Asked Questions
Which platforms are available for Exness Cent traders in Ghana?
Exness Cent accounts work on MT4, MT5, WebTerminal, and mobile apps.
What base currencies are supported on Exness Cent accounts?
Exness’ cent accounts are denominated in USC, EUC, GBC, CHC, AUC, and CAC.
6. HFM
| Minimum Deposit: $0 Regulated by: FCA, FSA, DFSA, FSCA, CMA Leverage: Up to 1:1000 |
Overview
HFM’s Cent Account is built with Ghanaian beginners in mind: no minimum deposit, leverage up to 1:2000, and spreads from 1.2 pips.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | FCA, CySEC, DFSA, FSCA, FSA, CMA, FSC |
| 🏦 Ghana Availability | Fully accessible online, no local SEC licence |
| 💳 Cent Account Minimum Deposit | $0 |
| 💱 Cent Account Base Currencies | USD, ZAR, NGN |
| 📈 Cent Account Leverage | Up to 1:2000 |
| 📉 Spreads on Cent Account | From 1.2 pips |
| 💹 Markets Offered on Cent Account | 50+ forex pairs, gold |
| 📲 Trading Platforms | MT4, MT5, WebTrader, HFM App |
| 🕌 Islamic / Swap-Free Option | Yes, request-based |
| 💼 Account Verification in Ghana | Ghana Card, passport, driver’s licence, plus proof of address |
| 💵 Funding & Withdrawals in Ghana | Bank cards, e-wallets, wire transfer, crypto |
| 🧑🏫 Education & Support for Ghanaians | Webinars, MT4/MT5 tutorials, eBooks, live chat 24/5 |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| Micro-lot trading with margin from 10 cents | No dedicated Ghanaian support line |
| Access to MT4, MT5, WebTrader, and HFM App | Limited local deposit methods |
| Zero-dollar minimum deposit on Cent Account |
Frequently Asked Questions
Can Ghanaians open a GHS-denominated account with HFM?
No, Ghanaians can only register an account with USD, ZAR, or NGN.
How quickly does HFM process withdrawals?
Withdrawals with HFM take between 1 and 10 days to reach a Ghanaian bank account.
7. BDSwiss
 | Minimum Deposit: $10 Regulated by: CySEC, FSC, FSA, NFA, MISA, SCA Leverage: Up to 1:500 |
Overview
BDSwiss distinguishes itself in Ghana by combining international regulation with cent account flexibility. Traders can start live trading with as little as $10, use mobile deposits in GHS, and easily transition to larger accounts.
Unique Features
Feature | Information |
| 🌍 Regulation Coverage | CySEC, FSC, FSA, BaFin, MISA |
| 🏦 Ghana Availability | Available, no local SEC licence |
| 💳 Cent Account Minimum Deposit | $10 |
| 💱 Cent Account Base Currencies | USD, EUR, GBP, ZAR, VND, etc. |
| 📈 Cent Account Leverage | Up to 1:2000 |
| 📉 Spreads on Cent Account | From 1.6 pips EUR/USD |
| 💹 Markets Offered on Cent Account | Forex, stocks, indices, commodities, cryptocurrencies |
| 📲 Trading Platforms | MT5, BDSwiss Web, BDSwiss Mobile |
| 🕌 Islamic / Swap-Free Option | Yes, conversion on request |
| 💼 Account Verification in Ghana | Ghana Card, passport, driver’s licence, plus proof of address |
| 💵 Funding & Withdrawals in Ghana | Bank cards, mobile money (MTN, Airtel, Vodafone, TiGO), e-wallets, crypto, bank wire |
| 🧑🏫 Education & Support for Ghanaians | Local seminars, live webinars, forex lessons, videos, eBooks, glossary, 24/5 multilingual support |
| 🚀Sign up | 👉 Open Account |
Pros and Cons
| 🟢 Pros | 🔴 Cons |
| Supports mobile money deposits and withdrawals in GHS | Inactivity fees after 3 months |
| Offers several markets on the Cent account | Commission fees on certain instruments |
| Affordable entry ($10 minimum deposit) |
Frequently Asked Questions
What markets can Ghanaians access with a BDSwiss Cent Account?
Forex, commodities, stocks, indices, and cryptocurrencies.
Can Ghanaians verify a BDSwiss Cent Account with local documents
Yes, Ghana Card, passport, or driver’s licence plus proof of address are accepted
A roadmap for Ghanaian traders in scaling from cent accounts to standard accounts
A cent account is a smart training ground in Ghana. Making the jump to a standard account demands tighter money control, local payment discipline, and a watchful eye on regulations and taxes.
Set size and risk in cedi terms
Base every trade on a percentage of your equity, not purely on gut instinct. With Ghana’s inflation down to about 11.5% in August 2025, protecting buying power is more important than ever. Traders must keep the per-trade risk between 0.5% and 1%.
Use Ghana-friendly funding channels
Choose banks or mobile money options to lower currency conversion fees. Ghana’s mobile money transactions reached record highs in 2024, and with the E-levy repealed, flows in 2025 are stronger and cheaper.
Stay inside BoG and SEC guardrails
Avoid black-market Forex brokers and unlicensed platforms. The Bank of Ghana has strict bans on unauthorised foreign exchange dealings, and the Securities and Exchange Commission regularly publishes warnings. If you use international brokers, ensure that they are well-regulated.
Scale only when the macro softens
The central bank lowered the policy rate to 21.5% in September 2025. Lower funding costs help, but upgrade from micro-lots to mini-lots only after at least 90 days of profitable cent-account history with drawdowns capped under 5%.
Track taxes and records
Trading profits count as taxable income, and traders must keep monthly statements, record transactions in Ghana cedi, and separate their trading MoMo wallet for easy reporting to the GRA.
Our conclusion on the best cent account forex brokers
Cent accounts serve an essential role for Ghanaians who want to trade without exposing too much of their capital. Because balances are displayed in cents, traders can see gains and losses in smaller units, and this makes it easier to handle the psychology of risk.
In a market influenced by high interest rates, cedi volatility, and shifting inflation, extra control is valuable. These accounts also provide an opportunity to test automated systems and copy trading under live conditions, an option that would otherwise demand far larger deposits.
Overall, cent accounts offer time to learn risk management with manageable losses for beginners. Where experienced traders are concerned, these accounts are an affordable laboratory for testing strategies.
Addendum/Disclosure:
No matter how diligently we strive to maintain accuracy, the financial markets are volatile that could shift and change at any given time, even if the information supplied is correct at the time of going live.