A treasury bill (T-Bills) is a short-term investment product (from 91 days to 365 days) backed by the Bank of Ghana on behalf of the Government. When you buy one, you are essentially lending money to the government of Ghana. Treasury bills are one of the safest forms of investment in the world because they are backed by the Ghana government and are considered risk-free. They are also used by many other governments throughout the world.

Upon maturity, the government will repay the amount it borrowed (your investment) with the determined interest rate given at the time of the investment. The interest rate payable depends on how long you lent your money for.