Africa Deployments provides Professional Employer Organisation (PEO) services in Ghana, allowing international companies to co-employ Ghanaian workers within a compliant framework under the Labour Act 2003 and Social Security Act 2008. As a Ghana PEO partner, Africa Deployments takes on the statutory employer obligations – GRA PAYE filing, SSNIT contributions, Tier 2 pension management, NHIL and GETFund levy deductions – while your business retains day-to-day operational control of its Ghana-based team.
Quick facts: Ghana PEO at a glance
- PAYE: Progressive 0% to 35% on annual chargeable income
- SSNIT Tier 1: 13% employer + 5.5% employee of gross salary
- Tier 2 pension: 5% employer contribution to an approved trustee fund
- NHIL: 2.5% of taxable income (employee-side deduction)
- GETFund Levy: 2.5% of taxable income (employee-side deduction)
- Minimum wage: GHS 19.97 per day (2024 National Daily Minimum Wage)
What Is PEO in Ghana?
A Ghana PEO is a co-employment arrangement where Africa Deployments shares the statutory employer duties for your Ghanaian workforce. Your company retains workforce management and direction, while Africa Deployments handles payroll processing, SSNIT Tier 1 registration and monthly contributions, Tier 2 pension trustee payments, GRA PAYE filing, and NHIL/GETFund levy deductions. Africa Deployments’ Ghana PEO service is designed for businesses that already operate in Ghana or are building a local presence and want compliance managed by a specialist Africa employment partner.
Ghana Employment Law at a Glance
| Requirement | Detail |
|---|---|
| Governing law | Labour Act 2003 (Act 651); Social Security Act 2008 (Act 766) |
| Minimum wage | GHS 19.97 per day (2024) |
| PAYE | Progressive 0% to 35% on annual chargeable income |
| SSNIT Tier 1 | 13% employer + 5.5% employee of gross salary |
| Tier 2 pension | 5% employer contribution to approved fund trustee |
| NHIL + GETFund | 2.5% + 2.5% of taxable income (employee deductions) |
| Annual leave | 15 working days per year (Labour Act minimum) |
Payroll, Tax and SSNIT Compliance in Ghana
Ghana payroll requires monthly PAYE filing with the Ghana Revenue Authority (GRA) through the iTaX platform. The PAYE schedule progresses from 0% on annual chargeable income up to GHS 4,380 to 35% on income above GHS 240,000. SSNIT Tier 1 contributions – 13% employer, 5.5% employee – are remitted monthly to SSNIT, with 2.5% of the employer’s 13% flowing into the employee’s Tier 2 pension account with an NPRA-approved trustee. The NHIL at 2.5% and GETFund levy at 2.5% are employee-side deductions on taxable income, remitted monthly to GRA alongside PAYE.
Ghana’s three-tier pension system – Tier 1 (SSNIT), Tier 2 (mandatory occupational pension), and Tier 3 (voluntary top-up) – creates a compliance structure requiring separate monthly remittances to SSNIT and to the Tier 2 trustee fund, both with strict submission deadlines.
Why Companies Choose Africa Deployments for PEO in Ghana
- Labour Act 2003-compliant co-employment contract drafting in English
- Monthly GRA iTaX PAYE filing and reconciliation
- SSNIT Tier 1 contribution management and monthly payment
- Tier 2 pension contribution remittance to an NPRA-approved trustee
- NHIL and GETFund levy deduction and monthly GRA remittance
Frequently Asked Questions
How does Ghana’s three-tier pension system work?
Tier 1 is a mandatory public pension managed by SSNIT, funded by 13% employer and 5.5% employee contributions. Tier 2 is a mandatory occupational pension funded by 5% employer contribution to an NPRA-approved private trustee. Tier 3 is a voluntary additional pension arrangement for employees who want to save more.
What PAYE rates apply in Ghana?
Ghana PAYE is progressive from 0% on annual chargeable income up to GHS 4,380 to 35% on income above GHS 240,000. Additional levies including NHIL (2.5%) and GETFund (2.5%) are applied as employee deductions on taxable income.
What is Ghana’s minimum wage?
Ghana’s National Daily Minimum Wage is GHS 19.97 from 2024, set by the National Tripartite Committee and reviewed annually.
Can Africa Deployments handle Tier 2 pension trustee payments in Ghana?
Yes. Africa Deployments manages the 5% Tier 2 employer contribution to an NPRA-approved private trustee fund as part of the Ghana PEO service, ensuring NPRA compliance for all Ghanaian staff.
About Africa Deployments
Registered Company Name: Africa Deployments Ltd.
Address: The Strand, Beau Plan Business Park, Mauritius
BRN: C19167158 | VAT: 27738392
Phone: +230 5713 8629
Website: africa-deployments.com
Ghana’s SSNIT three-tier pension structure, GRA PAYE obligations, and NHIL/GETFund levy requirements create a multi-track compliance environment. Africa Deployments’ PEO Ghana service provides the statutory management and co-employment infrastructure that international companies need to scale a Ghanaian workforce with full payroll and pension compliance.
Reviewed by: Africa Deployments Compliance Team
