HowToGH

SSNIT for individuals

Free to register13.5% if self-employedEasyVerified 22 Oct 2026

You'll need

  1. 1

    Register with your Ghana Card

    The official SSNIT steps to join the scheme

    Visit a SSNIT branch with your Ghana Card number, or enrol yourself in the SSNIT app or on the SSNIT portal. Registration is free. New members must be 15 to 45 years old.

    Employed? Give your employer your Ghana Card and SSNIT numbers.
  2. 2

    Already have a SSNIT number? Merge it

    The official SSNIT steps to merge numbers by USSD

    Dial *711*9#, choose Member Services and follow the steps to merge your SSNIT and Ghana Card numbers. You can also use the app, the portal or any branch.

  3. 3

    Self-employed? Declare your income

    Illustration of the 13.5% self-employed contribution

    Self-employed members pay 13.5% of their declared monthly income: 11% stays with SSNIT and 2.5% goes to the NHIA. You can't contribute on less than the approved monthly minimum wage.

    Bonus: active contributors are covered by NHIS without paying the yearly premium.
  4. 4

    Pay your contributions

    Illustration of paying by USSD

    Pay by mobile money on *711*9#, or by MoMo or debit card in the SSNIT app or portal. There are no fees and no E-levy. You get a confirmation from Ghana.gov and a receipt number from SSNIT.

  5. 5

    Check your contributions

    Illustration of a contribution history

    Dial *711*9# for a short statement, or see your full contribution history in the app or portal. To log in, make sure SSNIT has your email, create a Portal ID with your SSNIT or Ghana Card number, then use the password emailed to you.

    Missing months? Report your employer to contactcentre@ssnit.org.gh or WhatsApp/SMS 050 000 3050.

Screenshots of official public pages taken 22 Oct 2026.