Current Rates

Foreign Exchange Rates as at 28th February 2020 (All Rates Quoted are Indicative Only)
Currency Bid (GHC) Offer(GHC)
USD($) 5.2400 5.4900
GBP(£) 6.7500 7.0400
EUR 5.7000 5.9900


CalBank Flexisave Account Rates effective 28th February 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 10.00


CalBank Supersave Account Deposit Rates effective 28th February 2020
Amount Account Rate 91 Days (%p.a.) Rate 182 Days (%p.a.)
GHC1,000 - 49,999.99 13.00% 13.50%
GHC50,000 - 199,999.99 13.50% 14.00%
GHC200,000 - 499,999.99 14.00% 14.50%
GHC500,000 AND ABOVE Negotiable Negotiable


CalBank Kiddysave Account Rates effective 28th February 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 28th February 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 28th February 2020
CalBank Current Account Rate
Min. GHC 10,000.00 0.25%

CalBank Investplus Effective 28th February 2020
Period (Months) Sell(% p.a) Buy(% p.a)
1 11.50% 6.50%
2 11.75% 6.75%
3 12.25% 7.25%
4 12.50% 7.50%
5 12.70% 7.70%
6 13.00% 8.00%
7 13.50% 8.50%
8 13.75% 8.75%
9 14.00% 9.00%
10 14.20% 9.20%
11 14.35% 9.35%
12 14.50% 9.50%


Fixed Deposit Effective 28th February 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 12.50% 12.75% Negotiable
6 Months 13.00% 13.50% Negotiable
12 Months 14.00% 14.75% Negotiable


Fixed Deposit Effective 28th February 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 0.47% 0.00% 0.66% 0.00% 0.31% 0.00%
6 Months 0.74% 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 - 28th February 2020

Security Name Tenor Coupon (%) Issue Date Maturity Date Days to Maturity Bid (%) Offer (%)
GOG-NT-09/11/20 2 year 19.50% 12-Nov-18 09-Nov-20 256 18.50% 16.75%
GOG-NT-04/01/21 2 year 19.75% 07-Jan-19 04-Jan-21 312 20.50% 18.60%
GOG-NT-22/2/21 2 Year 19.75% 25-Feb-19 22-Feb-21 361 20.50% 18.60%
GOG-NT-8/03/21 2 year 19.75% 11-Mar-2019 8-Mar-2021 375 20.50% 18.60%
GOG-NT-27-Sept-21 2 Year 19.00% 30-Sep-2019 27-Sep-2021 578 20.50% 18.75%
GOG-NT-08/11/21 2 Year 19.50% 11-Nov-19 08-Nov-21 620 20.50% 18.75%
GOG-NT-06/12/21 2 Year 20.95 % 09-Dec-19 06-Dec-21 648 20.50 % 18.75%
GOG-NT-14/02/22 2 Year 20.20 % 17-Feb-20 14-Feb-22 718 21.00% 19.00%
GOG-BD-09/03/20 3Year 21.50 % 17-Mar-17 09-Mar-20 11 19.75 % 17.00%
GOG-BD-23/03/20 5 Year 21.00 % 30-Mar-15 23-Mar-20 25 19.75% 17.00%
GOG-BD-21/09/20 3 year 18.25% 25-Sep-17 21-Sep-20 207 19.75% 17.00%
GOG-BD-17/05/21 3 Year 16.25% 21-May-2018 17-May-2021 445 20.50% 18.60%
GOG-BD-28/06/21 3 year 17.50% 02-Jul-18 28-Jun-21 487 20.50% 18.60%
GOG-BD-26/07/21 3 year 18.00% 30-Jul-2018 26-Jul-2021 515 20.50% 18.60%
GOG-BD-18/10/21 3 Year 19.50% 22-Oct-18 18-Oct-21 599 20.50% 18.75%
GOG-BD-3/01/22 3Year 20.00% 07-Jan-19 03-Jan-22 676 20.50% 19.00%
GOG-BD-25/07/22 5 year 18.25% 31-Jul-2017 25-Jul-2022 879 21.00% 19.00%
GOG-BD-16/01/23 3 Year 20.75% 20-Jan-20 16-Jan-23 1054 21.00% 19.10%
GOG-BD-6/2/23 5Year 16.50% 12-Feb-18 06-Feb-23 1075 21.00% 19.10%
GOG-BD-08/07/24 5Year 19.50% 15-Jul-2019 08-Jul-2024 1593 21.00% 19.30%
GOG-BD-02/11/26 10Year 19.00 % 14-Nov-16 02-Nov-26 2440 21.00% 19.50%
ESLA-BD-15/06/29 10Year 19.85 % 28-Jun-19 15-Jun-29 3396 21.50 % 20.00 %
COCOA BILLS-17/03/20 182Days 0.00 % 17-Sep-19 17-Mar-20 20 19.00% 16.85%
COCOA BILLS-28/05/20 182Days 0.00% 28-Nov-19 28-May-20 92 19.00% 16.85%
COCOA BILLS-02/07/20 182Days 0.00% 02-Jan-20 02-Jul-20 126 19.00 % 16.85%
COCOA BILLS-9/07/20 182Days 0.00% 09-Jan-20 09-Jul-20 133 19.00% 16.85%
COCOA BILLS-15/07/20 182Days 0.00% 16-Jan-20 16-Jul-20 140 19.00% 16.85%
COCOA BILLS-23/07/20 182Days 0.00% 23-Jan-20 23-Jul-20 147 19.00% 16.85%
COCOA BILLS -28/07/20 182Days 0.00% 28-Jan-20 28-Jul-20 152 19.00% 16.85%
COCOA BILLS-11/08/20 182Days 0.00% 11-Feb-20 11-Aug-20 166 19.00 % 16.85 %
GOG-BL-19/10/20 364Days 0.00% 21-Oct-19 19-Oct-20 235 19.75% 17.00%
GOG-BL-04/01/21 364Days 0.00% 06-Jan-20 04-Jan-21 312 18.50% 16.75%

“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.”