Current Rates

Foreign Exchange Rates as at 31st October 2020 (All Rates Quoted are Indicative Only)
Currency Bid (GHC) Offer(GHC)
USD($) 5.6800 5.9000
GBP(£) 7.3000 7.5600
EUR 6.6000 6.8600


CalBank Flexisave Account Rates effective 31st October 2020
CalBank Flexisave Account Rate
Below GHC200 0.00%
GHC200.00 - GHC999.99 2.75%
GHC1,000.00 - GHC4,999.99 3.50%
GHC5,000.00 and above 5.50%
Starting Balance 25.00


CalBank Supersave Account Deposit Rates effective 31st October 2020
Amount Account Rate 91 Days (%p.a.) Rate 182 Days (%p.a.)
GHC1,000 - 49,999.99 12.00% 12.50%
GHC50,000 - 199,999.99 12.50% 13.00%
GHC200,000 - 499,999.99 13.00% 13.50%
GHC500,000 AND ABOVE Negotiable Negotiable


CalBank Kiddysave Account Rates effective 31st October 2020
CalBank Kiddysave Account Rate
Below GHC200 0.00%
GHC20.00-GHC99.99 3.25%
GHC100.00 - GHC999.99 3.75%
GHC1,000.00 - GHC1,999.99 5.55%
GHC2,000.00 - GHC2,999.99 5.75%
GHC3,000.00 and Above 6.00%

  • FlexiSave interest rates shall apply on withdrawals before 6 years.
  • Starting balance is GHC20
  • For more information, Contact Treasury on telephone numbers 7010086,680070


CalBank Premium Account Rates effective 31st October 2020
CalBank Premium Account Rate
Below GHC500.00 0.00%
GHC500.00 - GHC4,999.99 4.25%
GHC5,000.00 - GHC49,999.99 4.75%
GHC50,000.00 - GHC99,999.00 6.75%
GHC100,000.00 and Above 7.25%


CalBank Current Account Rates effective 31st October 2020
CalBank Current Account Rate
Min. GHC 10,000.00 0.25%

CalBank Investplus Effective 31st October 2020
Period (Months) Sell(% p.a) Buy(% p.a)
1 11.00% 6.00%
2 11.25% 6.25%
3 11.75% 6.75%
4 12.00% 7.00%
5 12.20% 7.20%
6 12.50% 7.50%
7 13.00% 8.00%
8 13.25% 8.25%
9 13.75% 8.75%
10 14.00% 9.00%
11 14.25% 9.25%
12 14.75% 9.75%


Fixed Deposit Effective 31st October 2020
Minimum Amount GHC5,000-49,999.99 GHC50,000-99,999.99 GHC100,000 And Above
Call (3 days notice) 6.50% 7.00% Negotiable
1 Month 11.00% 11.50% Negotiable
3 Months 12.00% 12.50% Negotiable
6 Months 12.50% 13.00% Negotiable
12 Months 14.50% 15.00% Negotiable


Fixed Deposit Effective 31st October 2020
Minimum USD ($50,000.00) GBP (£ 50,000.00)EURO (€ 50,000.00)
$ CFC $ FX £ CFC £ FX € CFC € FX
Demand NIL NIL NIL NIL NIL NIL
Call 0.15% 0.00% 0.20% 0.00% 0.20% 0.00%
1 Month 0.24% 0.00% 0.62% 0.00% 0.32% 0.00%
3 Months 0.45% 0.00% 0.66% 0.00% 0.31% 0.00%
6 Months 0.75% 0.00% 0.94% 0.00% 0.62% 0.00%
12 Months 1.00% 0.00% 1.00% 0.00% 1.00% 0.00%

If liquidated before maturity, the applied interest rate shall be the negotiated rate less 7% for all LCY fixed deposits.  FCY fixed deposits shall be liquidated at 0.10%

The Dealing rates will be fixed on receipt of a firm order.

Rates are subject to change depending on market conditions.
For more information and finest quotations on deposit rates contact the Treasury Office on Tel. No; +233 302680062-3, +233 302680065, +233 302680079, +233 244343710-14, +233 544331093-96, +233 263002942, +233 263003912, +233 263008178, +233 263008168, +233 263008174, +233 263017669 and +233 2680070/1


Indicative Government of Ghana Security Rates - Secondary Market

Indicative Fixed Income Rates for - 31st October 2020

Security Name Tenor Coupon (%) Issue Date Maturity Date Days to Maturity Bid (%) Offer (%)
GOG-NT-07/12/20 2Year 19.50 % 10-Dec-18 07-Dec-20 38 17.50% 15.00%
GOG-NT-04/01/21 2 year 19.75 % 07-Jan-19 04-Jan-21 66 18.00 % 15.10%
GOG-NT-22/2/21 2Year 19.75 % 25-Feb-19 22-Feb-21 115 18.00 % 15.10%
GOG-NT-8/03/21 2 Year 19.75 % 11-Mar-19 08-Mar-21 129 18.00 % 15.10%
GOG-NT-27-Sept-21 2 Year 19.00% 30-Sep-2019 27-Sep-2021 334 18.00% 15.20%
GOG-NT-08/11/21 2Year 19.50 % 11-Nov-19 08-Nov-21 374 18.00% 15.20%
GOG-NT-06/12/21 2 Year 20.95 % 09-Dec-19 06-Dec-21 402 18.00% 15.20%
GOG-NT-09/05/22 2 Year 18.75 % 11-May-20 09-May-22 556 19.00% 16.00%
GOG-NT-03/10/22 2 Year 18.50% 05-Oct-20 03-Oct-22 703 19.00% 16.00%
GOG-BD-01/03/21 5Year 24.75 % 01-Mar-16 01-Mar-21 122 18.00% 15.10%
GOG-BD-22/03/21 3Year 16.50 % 26-Mar-18 22-Mar-21 143 18.00% 15.10%
GOG-BD-17/05/21 3Year 16.25 % 21-May-18 17-May-21 199 18.00% 15.10%
GOG-BD-19/07/21 5Year 24.75 % 25-Jul-16 19-Jul-21 262 18.00% 15.20%
GOG-BD-26/07/21 3Year 18.00 % 30-Jul-18 26-Jul-21 269 18.00% 15.20%
GOG-BD-18/10/21 3 Year 19.50% 22-Oct-18 18-Oct-21 353 18.00% 15.20%
GOG-BD-28/11/22 5 Year 17.60% 04-Dec-17 28-Nov-22 759 19.00% 16.00%
GOG-BD-16/01/23 3Year 20.75 % 20-Jan-20 16-Jan-23 8095 19.25 % 17.00%
GOG-BD-06/03/23 3Year 20.75% 09-Mar-20 06-Mar-23 857 19.25% 17.00%
GOG-BD-29/05/23 3Year 18.85% 01-Jun-20 29-May-23 941 19.25% 17.00%
GOG-BD-18/09/23 3Year 19.00 % 21-Sep-20 18-Sep-23 1053 19.25% 17.00%
GOG-BD-15/04/24 5Year 19.75 % 22-Apr-19 15-Apr-24 1263 19.50% 18.00%
GOG-BD-08/07/24 5Year 19.50% 15-Jul-2019 08-Jul-2024 1347 19.50% 18.00%
GOG-BD-27/01/25 6 Year 21.00% 04-Feb-19 27-Jan-25 1550 19.85% 18.00 %
GOG-BD-17/03/25 5Year 21.70 % 23-Mar-20 17-Mar-25 1599 19.85% 18.00 %
GOG-BD-07/04/25 7Year 16.25 % 16-Apr-18 07-Apr-25 1620 19.85% 18.00 %
GOG-BD-23/06/25 5Year 19.25 % 29-Jun-20 23-Jun-25 1697 19.85% 18.00 %
GOG-BD-02/11/26 10Year 19.00 % 14-Nov-16 02-Nov-26 2196 20.50% 18.60%
GOG-BD-09/08/27 7Year 20.00% 17-Aug-20 09-Aug-27 2474 20.75% 18.80%
GOG-BD-29/05/28 10Year 17.50 % 11-Jun-18 29-May-28 2768 20.90% 19.20 %
GOG-BD-11/06/29 10Year 19.80% 24-Jun-19 11-Jun-29 3147 21.00% 19.30%
ESLA-BD-15/06/29 10Year 19.85 % 28-Jun-19 15-Jun-29 3150 21.00% 19.30%
ESLA-BD-29/12/31 12Year 20.50% 13-Jan-20 29-Dec-31 4077 21.50 % 19.65%
GOG-BD-15/03/32 15Year 19.75 % 03-Apr-17 15-Mar-32 4154 22.00% 19.85%
GOG-BD-10/07/34 15Year 20.00% 29-Jul-19 10-Jul-34 5001 22.50 % 20.25 %
COCOA BILLS-17/11/20 182Days 0.00 % 19-May-20 17-Nov-20 18 17.50 % 15.00%
COCOA BILLS-31/12/20 182Days 0.00 % 02-Jul-20 31-Dec-20 62 17.50% 15.00%
GOG-BL-04/01/21 364Days 0.00 % 06-Jan-20 04-Jan-21 66 18.00 % 15.10%
COCOA BILLS -07/01/21 182Days 0.00% 09-Jul-20 07-Jan-21 69 18.00% 15.10%
COCOA BILLS-21/01/21 182Days 0.00% 23-Jul-20 21-Jan-21 83 18.00 % 15.10%
COCOA BILLS-09/02/21 182Days 0.00% 11-Aug-20 09-Feb-21 102 18.00 % 15.10%
COCOA BILLS-16/03/21 182Days 0.00% 15-Sep-20 16-Mar-21 137 18.00 % 15.10%
GOG-BL-17/05/21 364Days 0.00 % 18-May-20 17-May-21 199 18.00% 15.10%
GOG-BL-14/06/21 364Days 0.00 % 15-Jun-20 14-Jun-21 227 18.00% 15.10%
GOG-BL-12/07/21 364Days 0.00% 13-Jul-20 12-Jul-21 254 18.00% 15.20%
GOG-BL-04/10/21 364Days 0.00 % 05-Oct-20 04-Oct-21 339 18.00% 15.20%

“Disclaimer: This information is from the Trading and Sales Desk of the Treasury Department of CalBank and is a short-term indicative opinion of the desk. The opinion is not objective or independent of the interests of the Trading and Sales Desk of the department, who are active participants in the markets, investments or strategies referred to herein. The opinion is not a personal recommendation and does not take into account whether any product or transaction is suitable for any particular investor. The information provided here are only to inform and as such neither binding nor contractual. It does not amount to investment advice or a solicitation to buy and sell any product or service and does not constitute a conclusion to any transaction with CalBank. CalBank shall not be liable for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from the use of or reliance on this information. All rates, opinions and estimates are not constant but subject to change and CalBank is not under any obligation to inform any investor of any change to such rates, opinion or estimates. This communication is confidential and no part of it may be reproduced, distributed or transmitted without the prior written permission of CalBank. By dealing with the Trading and Sales Desk of the Treasury Department of CalBank, you agree to these terms and conditions of use.”