Frequently Asked Questions
Questions & Answers
The National Identification System
What is the National Identification System (NIS)?

It is a system that enables:
i. The collection, storage and provision of accurate and comprehensive personal information on all Ghanaian citizens living in Ghana and abroad and all legally and permanently resident non-Ghanaians in Ghana;
ii. The creation of unique identities using proven biometric identifiers namely fingerprints, iris and facial dimensions;
iii. The generation of unique personal identification numbers and their permanent assignment to individuals whose personal details are stored in the National Identity Register (NIR);
iv. The processing and issuance of National Identity Cards commonly known as Ghana Cards to all eligible persons who are aged zero and above; and
v. The verification of the identities of persons who hold Ghana Cards in all transactions.

What is the Ghana Card?

It is a national identity card issued by the National Identification Authority to all Ghanaian citizens living in Ghana and abroad and all legally and permanently resident foreigners in Ghana.

What is the importance of the Ghana Card?

The Ghana Card makes it easy to prove your identity or citizenship. With the Ghana Card, accessing services such as health, education, communication, insurance, banking etc. in Ghana would be easier, faster and safer. Ghanaians living abroad who hold a Ghana Card can travel to Ghana without a visa.

Why is it important to register for the Ghana Card?

It is important to ensure that you are not excluded from the formal economy of Ghana and from economic, social and political activities in Ghana. The Ghana Card is mandatory for use in all transactions which require an applicant to establish his or her identity. E.g. opening and operating a bank account in Ghana, registering a plot of land in Ghana, applying for a driver’s license in Ghana and for acquiring a Ghanaian passport in/or outside Ghana

What are the some of the visible security features on the Ghana Card?

Some visible features on the Ghana Card are:
i. Aluminium Watermark
ii. Dual Interface Chip Module
iii. Tactile features for easy identification by the visually impaired
iv. Ultraviolet Features
v. UV Printing
vi. ECOWAS Logo
vii. Card Access and Document Number
viii. Tracking Number
ix. E-Passport Symbol
x. Contactless Symbol
xi. Machine Readable Zone

Is the Ghana Card equivalent to a passport?

The Ghana Card has the features of an e-passport and can be used for travels where immigration stamps are not required. The Ghana Card can also be used by Ghanaians living abroad to travel to Ghana without the need of a Ghana visa.

Are those who registered for the Ghana Card between 2008 and 2018 required to register again?

Yes, everyone who has registered before will have to register again. The new registration will update the applicant’s personal information in the National Identity Register (NIR) and the applicant will receive a new Ghana Card.

If I registered during the Mass Registration Exercise or after and did not receive my Ghana Card, should I register again?

No. You should not register again.
Simply provide your personal details to the officials at a Registration Office or Ghana Mission abroad to check for your records and print you a Ghana Card.
Remember that registering for the Ghana Card more than once is a registration offence, punishable by law with a fine and/or imprisonment.

Does the Ghana Card have an expiry date and why?

Yes. The Ghana Card will expire after ten years from the date of issuance. This is necessary because the estimated lifespan of the card body is ten years. In addition, the personal features of Ghana Card holders are expected to have changed after 10 years and will warrant the need for an updated picture.

Eligibility and Requirements
Who qualifies to register for a Ghana Card?

There are three (3) categories of people who qualify to be registered, namely:
i. All Ghanaian citizens by descent, registration or naturalisation, aged zero (0) years and above and currently resident in Ghana;
ii. All Ghanaian citizens by descent, registration or naturalisation, aged zero (0) years and above and living outside Ghana; and
iii. Foreign nationals legally and permanently resident in Ghana.

What mandatory documents do I need to register for the Ghana Card?

1. A Birth Certificate issued by the Births and Deaths Registry of Ghana; or
2. A valid Ghana Passport issued by the Government of Ghana; or
3. An Oath of Identity form(s) obtained through the vouching process; or
4. Evidence of acquired citizenship such as Naturalization or Registration Certificates.

However, applicants with the following documents issued by the Government of Ghana must bring them along for data harmonization and integration purposes only. These do not form part of mandatory registration documents:
i. SSNIT ID Card
ii. Driver’s Licence
iii. NHIS Card
iv. Tax Identification Number (TIN)
v. Voter ID Card

Without the required mandatory registration documents can I still register?

Yes.
If you do not have any of the mandatory registration documents (Birth Certificate or valid Passport or Certificate of Acquired Citizenship or Naturalization document), one relative of yours, aged 18 years and above, who has already registered and been issued with a Ghana Card can vouch for you.

If you do not have a relative to vouch for you, two (2) persons aged 18 years and above, who have registered and been issued with the Ghana Card and who know you to be a Ghanaian can vouch for you. The two (2) persons who are not your relatives must be:

i. A practicing or retired professional teacher (including principals, headmasters and head teachers) ii. A Gazetted Chief
iii. A practicing or retired Magistrate or a Judge
iv. A practicing or retired licensed Professional e.g. Doctor, Lawyer, Accountant, Engineer etc.
v. A serving or retired Civil Servant
vi. A serving or retired Public Servant
vii. A Clergyman
viii. An Imam
ix. A serving or retired Member of the Security Services including the Ghana Police Service, Ghana Armed Forces, Ghana Prisons Service, Ghana Immigration Service, Ghana National Fire Service, the Bureau of National Investigation, National Security
x. A current or past Member of Parliament
xi. A current or past Assemblyman
xii. A current or past Member of a Unit Committee

How can I prove that I am a Ghanaian?

By providing evidence that one of your parents or grandparents was or is a citizen of Ghana.

How do I challenge someone who is not a Ghanaian but wants to register for the Ghana Card as a Ghanaian?

You will have to inform the Registration Officer at your District Office about your intention to challenge an applicant. The Registration Officer will then give you a Challenge Form to complete. The challenged applicant will also be given two forms to complete and return to NIA for a District Registration Review Committee to interview the challenged applicant on his or her eligibility for the Ghana Card.

How will the NIA ensure that people who do not know their age give correct dates of birth?

Registration Officers are trained to deduce and estimate the age of such applicants through the use of list of historical events that can easily be referenced. All such dates of birth will be rounded up.

My parents, who are not Ghanaians, settled in Ghana a long time ago and gave birth to me in Ghana. Does being born in Ghana automatically make me a Ghanaian?

No. Since none of your parents are Ghanaians, even though they gave birth to you in Ghana, you do not qualify to register as a Ghanaian for the Ghana Card. To ascertain whether you are Ghanaian citizen or not, a Registration Officer will interview you by asking you pertinent questions and apply the citizenship laws of Ghana to determine whether or not you are a citizen.

Can I register for a Ghana Card with a recently-expired Ghana passport?

No. You require a valid Ghana passport to register for the Ghana Card.

Can I register for the Ghana Card on behalf of someone?

No, all applicants MUST appear in person to register at a designated NIA Registration Office or Ghana Mission.

Will registration be continuous, or will it be done at different periods?

The registration exercise will be continuous in Ghana and all Ghana Missions abroad. However, the registration in the diaspora will be in phases.

What personal data will I be expected to provide during registration for the Ghana Card?

Every applicant will be required to provide to the Registration Officer, the following pieces of information:
a. Applicant’s personal information such as name, date of birth, residential address, educational background, gender, marital status etc;
b. Applicant’s parental, spousal and next-of-kin information; and
c. Applicant’s Institutional ID cards and contact details.
Every field on the Application Form is mandatory and must be completed by every applicant who registers.

Is the digital address a mandatory requirement for the registration for a Ghana Card?

Yes. It is mandatory for applicants who live in Ghana. However, Ghanaians living in the diaspora will be required to provide the physical address of their residence and the corresponding post code or zip code or similar code during the registration process.

How many days will it take to get my Ghana Card after I register and where can I collect it?

The Ghana Card is issued instantly to Ghanaians aged 15 years and above where there is electricity or adequate network connectivity. Where there is inadequate network connectivity, the printing of the Ghana Card is deferred and a Registration Officer will let you know when and where to pick up your card.

Will foreigners visiting Ghana be issued with Ghana Cards?

Foreign visitors entering Ghana for a period shorter than ninety (90) days are not required to register for and be issued Ghana Cards. However, a foreigner who has resided in Ghana for a cumulative period of 90 days or has a residence permit issued by the Government of Ghana is eligible to apply for a “Non-Citizen Ghana Card”. The foreigner will be required to register under the Foreigner Identification Management Systems (FIMS) for the issuance of a Non-Citizen Ghana Card at a cost of USD120.

Will Refugees be issued with the Ghana Card?

Yes. They will be issued with Ghana Cards with the inscription “REFUGEE” stated on them.

Fees and Charges
How much will I pay for a Ghana Card?

For Ghanaians in Ghana:
The Ghana Card is free when issued to a Ghanaian for the first time.
The Ghana Card is free at all NIA District Offices and some Regional Offices.
If you want to register at a Premium Centre, as an institution or a household/group, you will be required to pay a fee to be determined by NIA.
The fees can be found on the NIA website at the Fees and Charges Page

For Ghanaians Abroad:
1. For Ghanaians living in the ECOWAS Region, the first-time registration for a Ghana Card attracts a fee of USD55.00
2. For Ghanaians living in the rest of Africa, the first-time registration for a Ghana Card attracts a fee of USD75.00
3. For Ghanaians living in outside Africa, the first-time registration for a Ghana Card attracts a fee of USD115.00.

How much does it cost to update my personal records or replace my Ghana Card?

The list of fees for Personal Information Update and Replacement Services can be found on NIA’s website at the Fees and Charges Page

Why do I have to pay for an update service when the mistake on the Ghana Card was not my fault?

Every applicant is given the opportunity to check the accuracy of his or her personal information when it is captured during the registration or update exercise. The applicant then signs a receipt to confirm that the captured information is accurate before his or her Ghana Card is printed. The onus is on the applicant at that stage to ensure that all the captured information is correct.

For this reason, any mistake discovered after printing the applicant’s Ghana Card will require the applicant to pay a fee for the necessary correction(s) to be made.

Even if the initial mistake is made by a registration officers, the burden of checking the information shifts to the applicant and therefore any mistake discovered after printing will require the applicant to pay a fee for the correction to be made.

Accessibility
Will NIA register Ghanaians living abroad? If so why?

Yes. The laws applicable to the NIA state that all Ghanaians should be registered. It does not distinguish between Ghanaians living in Ghana and Ghanaians living abroad. To facilitate this registration, Ghanaians abroad will be registered at Ghana Missions on a continuous basis.

Will Ghanaians living abroad who visit Ghana for holidays be allowed to register?

Yes. However, Ghanaians living abroad will also be able to register at Ghana Missions abroad.

It is believed that Ghanaians live everywhere on the globe and some may be undocumented. How can they be traced and be informed about the National Identification System (NIS) and Ghana Card so that they can take part in the registration process?

NIA will seek the assistance of Ghana’s Foreign Missions and Associations of Ghanaians living abroad to reach out to all of them. NIA will also use the print and electronic media, including the internet, to facilitate the spread of information.NIA will seek the assistance of Ghana’s Foreign Missions and Associations of Ghanaians living abroad to reach out to all of them. NIA will also use the print and electronic media, including the internet, to facilitate the spread of information.

Do Ghanaians abroad pay for the Ghana Card? If so, how much?

Yes.
It has been determined by the Parliament of Ghana that with the exception of Ghanaians who register in Ghana, all Ghanaians living in the diaspora shall pay a fee commensurate with the standard of living in the country they reside in. The fee will also cater for the movement of logistics and materials to Ghana Missions abroad.
The fees for registration in the diaspora can be found on the NIA website at the Fees and Charges Page

Will persons of unsound mind or mental incapacity be registered?

Yes, all these categories of confined persons are required to register. They will be registered under confined, controlled and appropriate environments.

How does the registration process take care of the physically challenged, persons with visual and hearing impairment and other vulnerable persons?

In addition to the assistance provided by Registration Officers, it is advisable for the physically challenged to be assisted at the various Registration Offices by their relatives or friends. The disability status of the applicants will be captured during registration.

How will the biometrics of babies be captured since we are told that their fingerprints are not well formed?

Children below six (6) years will have their Personal Identification Numbers (PINs) linked to their parent’s Ghana Card. When they turn six (6) years old, they will be assisted to update their records at NIA Offices where their fingerprints and other biometric features will be captured.

How will NIA ensure that every eligible person is registered for the Ghana Card?

NIA has established Regional and District Offices that will continue to register Ghanaians in Ghana indefinitely. The Ghana Missions will also register Ghanaians abroad.

Security and Data Protection
How safe is the personal information I provide for the registration for the Ghana Card?

First class IT security systems are in place to ensure that the National Identity Register is stored in a safe and secure environment.

How will the privacy of the individual be protected, given that the NIA shares data with other agencies?

The NIA has in place strict information-sharing guidelines for all agencies to follow.
All agencies that will be linked to the Identity Verification System Platform (IVSP) have to put in place information practices acceptable to NIA before they are given access to personal data.
Data protection and the privacy of the individual whose information will be held in the national database is secured by law and any breach will therefore be appropriately dealt with under the law.
All requests for information will be carefully assessed using strict guidelines before information is released.

What will be done to prevent identity fraud?

The NIA has put measures in place to reduce incidents of identity fraud. They include:
i. The Ghana Card has security features that are customized to the holder. Unique biometric features such as fingerprints or facial contours make it impossible for two persons to use one Ghana Card for identity verification.
ii. An electronic register stores the biometric information of any person who transacts any business that requires identification.
iii. Various types of software are installed as preventive measures to check and detect any intrusions into the register.
iv. Internal security measures tailored to suit the operations of the staff of NIA have been put in place. Several levels of authorization are required before any staff undertakes any assigned work. Work undertaken by staff and other authorised persons is continually monitored and reported on.
v. Data communication network will be protected to prevent abuse by third parties.
vi. NIA advises that you insist on the biometric verification of your identity anytime you transact any business that requires you to be identified.

Is it a criminal offence for failing to register for a Ghana Card?

No. However not registering for a Ghana Card may exclude you from economic, social and political activities. Every Ghanaian is therefore encouraged to acquire a Ghana Card.

How will double registration be prevented?

There is a technical mechanism provided for checking and eliminating double or multiple registrations. During registration, update or replacement services, an applicant’s fingerprints are matched against all fingerprints stored in the National Identity Register (NIR). Anyone who attempts double or multiple registration will therefore be found out as the system will indicate that the fingerprints already exist in the NIR.

What is being done to prevent foreigners from registering for the Ghana Card?

The vetting procedures for the issuance of the Ghana Card to Ghanaians is quite rigorous. Any person suspected to be a foreigner and attempting to register for the Ghana Card shall be arrested by the police and prosecuted. A Challenge Process is also in place to enable Ghanaians challenge any person who is not a Ghanaian but attempts to register for the Ghana Card as a Ghanaian.
Anyone who attempts to assist foreigners to register for the Ghana Card shall be arrested and prosecuted.
NIA also encourages anyone who knows a foreigner who has registered for the Ghana Card for Ghanaians to report it to the Police or an NIA official for the appropriate steps to be taken.

How does one distinguish a Non-Citizen Ghana Card from the one issued to Ghanaians?

The Non-Citizen Ghana Card has “NON-CITIZEN IDENTITY CARD” boldly written in red on the front side while the one issued to Ghanaians has no such inscription.

What measures are in place to ensure that people do not forge Ghana Cards?

The Ghana Card is custom-designed and is embedded with several state-of-the-art security features thereby making it difficult to forge. Organizations and businesses would be equipped with the means to check the authenticity of Ghana Cards and various legal procedures are in place to prosecute persons who engage in such forgery and related activities.

If someone provides false information in order to acquire the Ghana Card, what will the NIA do about it?

It is an offence for anyone to give false information to NIA during the registration exercise. Offenders will be investigated, arrested and prosecuted in accordance with law.

Updates and Replacements
My name was spelt wrongly on the Ghana Card by a Registration Officer. Do I still need to pay for the correction to be made?

Yes. During the registration exercise, a receipt was printed for you to confirm your personal information that had been captured by the Registration Officer. Once you confirmed the details without correcting the error, you will be required to pay for the correction.

What should I do when any of my personal information changes such as my name, residential or postal address?

You are required by law to notify NIA of the change(s) within 30 days after the change. You will also be required to visit any of NIA’s Registration Offices or Ghana Mission Offices which handle such services for the appropriate updates to be carried out. Failure to do so is an offence.

Will I be required to provide proof for my request for the update of my personal information?

Insofar as proof of the update exists, you must provide it. It is the responsibility of the Registration Officer to request for the proof.
There are however circumstances where proof will be impracticable to obtain.
These include proof of telephone and email details, details of next of kin, proof of residential and postal addresses, change of spousal details, languages spoken.
For update of height requests, the Registration Officer is required to retake your height.

Can I request for an update of my personal information or replacement of my Ghana Card without completing a request form?

No. Every update or replacement request must be signed or thumb printed by the applicant. If you signed your registration form, you will be required to also sign the update or replacement request form.

What document(s) must I present when changing my foreign nationality to Ghanaian?

a. A Certificate of Naturalisation
b. An Oath of Allegiance
c. The Non-Citizen Ghana Card of the applicant if he or she possesses one
d. A Dual-Citizenship card if the applicant has one and
e. A valid Ghana passport if the applicant has one (for some dual citizens)

Can all update requests be honoured on the same day?

No. Not all requests can be honoured within a day. You will be notified once a decision is taken.

During the update process, which applicants must prove their dual citizenship status?

1. An applicant who is also a citizen of another country (countries) and has not renounced his or her Ghanaian citizenship.
2. It is important to check the citizenship rules of your country of residence before applying for a Ghana Card.
3. These countries allow dual citizenship only under special circumstances - Croatia, Panama, South Korea, Bulgaria, Germany, Netherlands, Austria to name a few. Always check the citizenship rules of the country you reside in before applying for a Ghana Card.* These countries allow dual citizenship only under special circumstances. *

Can I change my Date of Birth?

No. Every applicant has only one date of birth. It cannot be changed. It can however be corrected if a Registration Officer mistakenly captured a date of birth which was different from what was stated on the mandatory verification document you presented during registration or stated on your application form (Form One) during registration.

What documents are used to correct the date of birth of an applicant who was vouched for?

The applicant is required to prove that prior to his or her registration for the Ghana Card, his or her official documents bore a particular date of birth. The proof must have existed prior to the applicant applying for his or her Ghana Card. In such instances, the applicant needs to provide at least the original copies of two (2) documents which were created before the date of registration for the Ghana Card.

Some Ghanaians have different names and dates of birth on different ID cards. In such instances, how will the correct name and/or date be determined?

The onus is on an applicant to provide the correct name(s) and date of birth during his or her registration. Failure to provide accurate information is a criminal offence. An applicant who has changed his name will be required to go through the legal processes for name change and present the evidence to a Registration Officer during the registration exercise.

No applicant has more than one date of birth. However, an applicant who wishes to correct his or her date of birth from that which appeared on the mandatory registration document he used during the registration exercise, the applicant will be required to provide satisfactory basis and evidence to support the request. The onus is on the applicant to ensure that all errors are corrected before applying for a Ghana Card. The Ghana Card registration process cannot be used to correct name and date of birth errors on ID documents and cards.

No applicant has more than one date of birth. However, an applicant who wishes to correct his or her date of birth from that which appeared on the mandatory registration document he used during the registration exercise will be required to provide satisfactory basis and evidence to support the correction. The onus is on the applicant to ensure that his or name and date of birth are corrected before he applies to register for the Ghana Card. The registration process cannot be used to correct name and date of birth errors on ID documents and cards.

Can a Birth Certificate or passport issued after an applicant has registered for a Ghana Card be used as evidence to correct his or her name or date of birth?

No. The Birth Certificate or passport should have been issued to the applicant before he or she registered for the Ghana Card. NIA does not accept any document called updated Birth Certificate.

A Birth Certificate is issued only once to an applicant. Any subsequent issues are certified copies and cannot provide details different from what was captured at first registration. If there is a mistake on the issued Birth Certificate, the applicant bears the onus of proving the mistake to the satisfaction of NIA.

What happens if the Birth Certificate or valid passport I presented during registration for my Ghana Card contained an error?

The onus is on you to have the errors corrected before registration for the Ghana Card.
If the document is used for the Ghana Card registration, you will be required to go back to the issuing agency to attest to the fact of the error. The attestation must be signed by the Head of the said institution and supported with evidence.

What do I do when my Ghana Card is stolen, lost, damaged, defaced or destroyed?

You have to report the issue to the Police. The Police will then issue you with a Police Extract confirming that you have reported the loss/theft/damage of your Ghana Card. You will then visit any NIA Registration Office or a Ghana Mission abroad and be taken through a replacement process which requires you to pay a fee. The list of fees for replacement can be found at www.nia.gov.gh

What document(s) is required for replacement of lost, stolen, damaged or defaced Ghana Cards?

1. A Police Extract from the Ghana Police Service
2. The damaged or defaced Ghana Card of the applicant (for damaged or defaced cards replacement requests).

Why do I need to bring in my Ghana Card for an update request?

i. A Registration Officer needs to read your Ghana Card to pull up your personal information stored in the National Identity Register.
ii. Secondly, once the update request results in the printing of a new Ghana Card, the old one has to be retrieved from you and destroyed by NIA.

For replacements requests, are photocopies of police extracts accepted?

No. You must present the original copy of the Police Extract which will be scanned by a Registration Officer into the NIR. The original copy is then given back to you after it has been scanned.

Can I update the picture on my Ghana Card?

Technically, yes e.g. the photograph is of poor quality or does not meet ICAO standards.
However, from an operational standpoint, kindly check with the Registration Office if the service is being offered by NIA.
Note that every request must be supported with justification. Before the update process is completed, an NIA official will review the application, approve it and document the basis for the approval. For such requests, a copy of the old Ghana Card will be scanned into the NIR. No updates are allowed for applicants who simply do not like their photos on the Ghana Card.

Why is a Marriage Certificate not accepted as a document for change of name?

Marriage or a marriage ceremony does not automatically change the name of a woman or confer on her, the name of her husband. A Marriage Certificate only states the maiden names of the persons marrying.
The law requires an applicant (woman) who wishes to change her maiden name to that of her husband’s following her marriage, to take the necessary steps to have the change of name gazetted.

Can an affidavit for change/correction of name/change of date of birth be accepted as one of the required documents for update services?

No. An affidavit is a self-serving document deposed to by an applicant and cannot be a substitute for a Gazette notification. The law requires the applicant to gazette the change or correction at Assembly Press to the world before it can be legally recognized as a change.

Note however that NIA is required to ask further questions during an update process to confirm the details on any document provided by an applicant requesting for an update service.

Does NIA accept receipts from Assembly Press in support of requests for update of personal information?

No. NIA cannot accept the receipt from Assembly Press as representing proof of a Gazetted notification. There must be documentary evidence to confirm that the changes have been properly effected by way of a Gazette Notification.

Why does NIA sometimes refuse to accept gazette notifications for change of date of birth although they are legal documents?

The law mandates NIA under section 11 of the National Identity Register Act, 2008 (Act 750) as amended, to request an individual applicant to furnish it with proof of the accuracy of any particulars that have been submitted in respect of the individual.

Although a Gazette Notification is an official document, NIA is permitted by law to request an applicant to furnish it with any information it may require to verify an entry in the Register beyond the gazette notification. NIA may therefore reject a gazette notification if the applicant is unable to prove the contents of the gazette notification.

Can NIA accept SSNIT, DVLA, or NHIA cards as supporting documents for requests to change names and dates of birth?

In special circumstances and in addition to other documents. The first point of reference must always be the verification documents presented by the applicant during registration for the Ghana Card. If those documents have an error on them, the onus is on the applicant to prove to the satisfaction of NIA that there was an error.
In very special circumstances, NIA will request for additional documents such as school leaving certificates, SSNIT or NHIA cards to confirm the applicant’s personal information. In such circumstances, the application must be escalated to a Review Officer to review and approve same.

NB: These documents or ID cards should have been issued to the applicant before the applicant registered for the Ghana Card NOT after.

Integration
Is the Ghana Card going to replace all the ID cards in circulation e.g NHIS card, SSNIT card, Voter ID card, Driver’s Licence etc.?

The Ghana Card has a 148k chip with 14 applets and has the capacity to accommodate all other ID cards in circulation. There is a likelihood that there will be fewer ID cards in the future when data silos of institutions that issue these cards have been adequately harmonized and integrated.
Replacing other IDs with the Ghana Card is a decision that will be taken solely by an institution after it assesses its operations.

How will the National Identification System (NIS) benefit user agencies such as DVLA, SSNIT, Telcos, Banks, GIS, GRA etc.?

The User Agencies mentioned above will, through the right procedures and approvals, access personal information stored in the National Identity Register for their operations. The procedure for accessing personal information is in conformity with data protection laws and principles. User Agencies may also take advantage of the space on the Ghana Card 148k chip for the storage of their clients’ personal data at very little cost.

Can the Ghana Card be used as a travel document to travel to other ECOWAS countries?

Yes. The Ghana Card can be used for international travel within the ECOWAS region when countries in the region begin to operate e-gates at their borders.

Some institutions do not accept the Ghana Card for purposes of identification. What do I do in such circumstances?

You should report such institutions to the NIA because refusal to accept the Ghana Card for purposes of identification is in violation of the laws of Ghana.