A student, identified as Regan Kwesi Egbe Addo, also known as Morgan Addo, has been arraigned before the Dansoman Circuit Court in Accra over allegations of withdrawing GH¢24,849 from GCB Bank customers’ accounts using stolen or tampered automated teller machine cards.
According to prosecution details, the accused is facing two counts of stealing in connection with incidents that occurred in September and December 2025.
Prosecuting officer Chief Inspector Christopher Wonder told the court that in the first incident on September 17, 2025, the accused allegedly posed as a GCB Bank staff member at the Ministries ATM in Accra. He purportedly instructed a victim to accompany him to another bank branch, observed the victim enter their personal identification number (PIN), and then offered to “clean” the ATM card. During the process, he allegedly swapped the card and later made unauthorised withdrawals totalling GH¢14,949 at locations including the Kempinski Hotel and a fuel station.
In a second case on December 23, 2025, the prosecution said the accused used a similar method to withdraw GH¢9,900 from another GCB Bank customer, a woman employed by the Ministry of Fisheries, at about 4:40 p.m.
Closed-circuit television (CCTV) footage from the bank reportedly helped trace the movements of the accused and link him to the unauthorised transactions, police said.
The student, who has pleaded not guilty to the charges, was granted bail by the court. A case management conference has been scheduled for March 11, 2026, during which the prosecution will be required to provide witness statements and full disclosure of evidence.
The Ghana Police Service and financial institutions regularly warn the public about ATM fraud, including card swapping and the need to protect PINs and card details.