A student has been arraigned before the Dansoman Circuit Court for allegedly using deceptive tactics to fraudulently withdraw GH¢24,849 from the bank accounts of two customers of GCB Bank in separate incidents in Accra.
The accused, Regan Kwesi Egbe Addo, also known as Morgan Addo, has been charged with two counts of stealing. He pleaded not guilty to both charges when he appeared before the court.
Details of the First Alleged Incident
According to the prosecution, led by Chief Inspector Christopher Wonder, the first incident occurred on September 17, 2025, at the GCB Bank ATM located at the Ministries in Accra.
The court was told that the accused allegedly posed as a staff member of GCB Bank and approached a customer under the guise of offering assistance. He reportedly convinced the complainant to accompany him to the Société Générale Ghana Bank Premier Towers branch, where the victim attempted a transaction.
Prosecutors said Addo stood close behind the complainant as he entered his personal identification number (PIN). He later requested to “clean” the ATM card chip and allegedly swapped the card without the customer’s knowledge.
Using the stolen card, the accused is said to have withdrawn GH¢14,949 from the complainant’s account at various ATM locations across Accra, including machines at the Kempinski Hotel and Airport City Shell Fuel Station.
Investigators from the Ministries Police Station retrieved CCTV footage from GCB Bank, which reportedly helped track the movements of both the complainant and the accused, strengthening the prosecution’s case.
Second Alleged ATM Fraud Case
In a second case, Addo is accused of employing a similar method on December 23, 2025, to steal GH¢9,900 from the account of a female GCB Bank customer, who is also a staff member of the Ministry of Fisheries.
The prosecution said the incident occurred at about 4:40 p.m., after which the victim later reported the case upon learning that the accused had been arrested and placed on a wanted list for alleged ATM card thefts within the Accra Central Division.
Court Ruling and Next Steps
Following his arraignment, the court granted bail to the accused and directed him to appear for a case management conference on March 11, 2026.
The court also ordered the prosecution to file witness statements and all necessary disclosures ahead of the next hearing.
Police Warn Public Over Rising ATM Fraud
The case has renewed concerns about the growing trend of ATM-related fraud in Accra. Police are urging members of the public to remain vigilant, avoid accepting unsolicited help at ATMs, and protect their PINs at all times.
Authorities advise customers to report suspicious behavior immediately and seek assistance only from clearly identified bank officials within banking halls.
