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Though cross-border banking, stimulated by globalization and financial integration in the recent past, is said to offer growth-enhancing benefits such as competition and efficiency, financial inclusion, and diversification of risk, these benefits seem not to have materialized markedly in Sub-Saharan Africa (SSA), an outcome attributable to efficiency barriers, currency differences, political instability, linguistic divisions, weak legal environment, and lack of regulatory coordination. However, given that many have flagged heterogeneity of regulatory architecture, inadequate institutional infrastructure, and other requisite environmental factors as more pivotal reasons for the delayed realization of cross-border banking’s many benefits in SSA, we invoke lessons from the Euro area’s successful experience in cross-border banking, to propose effective ways of harvesting its benefits in SSA. This paper, therefore …