Financials

Foreign Exchange Rates as at June 22, 2022

Currency

Bid (GHC)

Offer (GHC)

USD($)
7.4500
8.1600
EUR
7.5500
8.5600
GBP(£)
8.8000
9.9600
Flexisave Account Rates as at June 22, 2022

Flexisave Account

Rate

Below GHC200
0.00%
GHC200.00 - GHC999.99
1.25%
GHC1,000.00 - GHC4,999.99
2.00%
GHC5,000.00 and above
4.00%
Starting Balance
25.00
Supersave Account Deposit Rates effective June 22, 2022

 Amount Account

 Rate 91 Days (%p.a.)

 Rate 182 Days (%p.a.)

GHC1,000 - 49,999.99
9.00%
9.50%
GHC50,000 - 199,999.99
9.95%
10.45%
GHC200,000 - 500,000
10.75%
11.20%
Above GHC500,000
Negotiable
Negotiable
Kiddysave Account Rates effective June 22, 2022

Kiddysave Account

Rate

Below GHC200
0.00%
GHC20.00-GHC99.99
1.75%
GHC100.00 - GHC999.99
2.25%
GHC1,000.00 - GHC1,999.99
4.05%
GHC2,000.00 - GHC2,999.99
4.25%
GHC3,000.00 and Above
4.50%
  • FlexiSave interest rates shall apply on withdrawals before 6 years.
  • Starting balance is GHC20
  • For more information, Contact Treasury on telephone numbers 7010086,680070
Premium Account Rates effective June 22, 2022

Premium Account

Rate

Below GHC500.00
0.00%
GHC500.00 - GHC4,999.99
2.75%
GHC5,000.00 - GHC49,999.99
3.25%
GHC50,000.00 - GHC99,999.00
5.25%
GHC100,000.00 and Above
5.75%
Current Account Rates effective June 22, 2022

Current Account

Rate

Min. GHC 10,000.00
0.10%
Investplus Rates as at June 22, 2022

Period (Months)

Sell(% p.a)

Buy(% p.a)

1
7.25%
4.25%
2
7.50%
4.50%
3
7.75%
4.75%
4
8.00%
5.00%
5
8.25%
5.25%
6
8.50%
5.50%
7
8.75%
5.75%
8
9.00%
600%
9
9.25%
6.25%
10
9.50%
6.50%
11
9.75%
6.75%
12
10.60%
7.60%

Minimum Investment is GH¢50.00.
For more information, contact Treasury on telephone Numbers 7010086,680070/71

Fixed Deposit Rates as at June 22, 2022

Minimum Amount

GHC5,000-49,999.99

GHC50,000-199,999.99

GHC200,000-500,000

Above GHC500,000

Call (3 days notice)
6.50%
7.00%
7.50%
Negotiable
1 Month
10.75%
11.45%
12.25%
Negotiable
3 Months
11.75%
12.45%
13.25%
Negotiable
6 Months
12.35%
12.95%
13.75%
Negotiable
12 Months
14.25%
14.95%
15.50%
Negotiable
Fixed Deposit Rates as at June 22, 2022

Minimum

USD ($50,000.00)

$ CFC

$ FX

GBP (£ 50,000.00)

£ CFC

£ FX

EURO (€ 50,000.00)

€ 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 5% 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

Government of Ghana Security Rates as at June 22, 2022
Security NameTenorCoupon (%)Issue DateMaturity DateDays to MaturityBid (%)Offer (%)
GOG-NT-29/08/222Year18.2531-Aug-2029-Aug-227322.518.5
GOG-NT-07/11/222Year18.509-Nov-2007-Nov-2214323.518.5
GOG-NT-05/12/222Year18.507-Dec-2005-Dec-221712418.5
GOG-NT-02/01/232Year18.504-Jan-2102-Jan-2319925.319.75
GOG-NT-20/02/232Year17.622-Feb-2120-Feb-2324825.319.75
GOG-NT-31/07/232Year17.2502-Aug-2131-Jul-2340925.319.75
GOG-NT-25/09/232Year17.527-Sep-2125-Sep-2346525.319.8
GOG-NT-06/11/232Year2008-Nov-2106-Nov-2350925.319.8
GOG-NT-04/12/232Year19.7506-Dec-2104-Dec-2353525.319.8
GOG-NT-12/02/242Year19.7514-Feb-2212-Feb-2460525.320.5
GOG-NT-06/05/242Year21.509-May-2206-May-2468925.320.5
GOG-BD-25/07/225Year16.531-Jul-1725-Jul-22402218.5
GOG-BD-28/11/225Year17.604-Dec-1728-Nov-2216423.518.5
GOG-BD-16/01/233Year20.7520-Jan-2016-Jan-2321225.319.75
GOG-BD-06/02/235Year16.512-Feb-1806-Feb-2323325.319.75
GOG-BD-06/03/233Year20.7509-Mar-2006-Mar-2326125.319.75
GOG-BD-17/04/233Year1920-Apr-2017-Apr-2330325.319.75
GOG-BD-29/05/233Year18.8501-May-2029-May-2334525.319.75
GOG-BD-18/09/233Year1921-Sep-2018-Sep-2345925.319.8
GOG-BD-28/09/233Year18.8501-Oct-2028-Sep-2347025.319.8
GOG-BD-27/11/233Year19.2530-Nov-2027-Nov-2352825.319.8
GOG-BD-18/12/233Year19.2521-Dec-2018-Dec-2354925.319.8
GOG-BD-18/03/243Year17.722-Mar-2118-Mar-2464025.320.5
GOG-BD-25/03/247Year19.7502-Apr-2125-Mar-2464725.320.5
GOG-BD-15/04/245Year19.7522-Apr-1915-Apr-2466825.320.5
GOG-BD-08/07/245Year19.515-Jul-2008-Jul-2475225.320.5
GOG-BD-14/10/243Year1918-Oct-2114-Oct-2485025.320.7
ESLA-BD-23/10/247Year1901-Nov-1723-Oct-2485927.522.25
GOG-BD-30/12/243Year20.504-Jan-2130-Dec-2492725.320.7
GOG-BD-27/01/256Year2104-Feb-1927-Jan-2595525.320.8
GOG-BD-17/03/255Year21.723-Mar-2017-Mar-25100425.321
GOG-BD-07/04/257Year16.2516-Apr-1807-Apr-25102525.321
GOG-BD-07/04/253Year20.8511-Apr-2207-Apr-25102525.321.5
GOG-BD-19/05/253Year2523-May-2219-May-25106725.321.5
GOG-BD-23/06/255Year19.2529-Jun-2023-Jun-25110125.321.5
GOG-BD-13/10/255Year19.8519-Oct-2013-Oct-25120425.321.5
GOG-BD-02/03/265Year18.308-Mar-2102-Mar-26130425.7521.5
GOG-BD-11/05/265Year18.817-May-2111-May-26142425.7521.6
GOG-BD-13/07/266Year19.520-Jul-2013-Jul-26148725.7521.75
GOG-BD-26/08/265Year1901-Aug-2126-Aug-26153025.7521.75
GOG-BD-02/11/2610Year18.514-Nov-1602-Nov-26159925.7521.75
GOG-BD-14/12/265Year2120-Dec-2114-Dec-26164125.7521.75
GOG-BD-18/01/276Year19.2525-Jan-2118-Jan-2716762621.85
GOG-BD-08/03/275Year20.7514-Mar-2208-Mar-2717242621.85
GOG-BD-03/05/275Year22.309-May-2203-May-2717812621.85
GOG-BD-09/08/277Year2017-Sep-2009-Aug-2718792621.85
GOG-BD-06/09/276Year18.813-Sep-2106-Sep-2719092621.85
GOG-BD-08/11/277Year20.516-Nov-2008-Nov-2719702621.85
GOG-BD-17/01/286Year21.7524-Jan-2217-Jan-28204026.522
GOG-BD-29/05/2810Year17.511-May-1829-May-28217326.522
GOG-BD-12/06/287Year18.121-Jun-2112-Jun-28218726.522
GOG-BD-11/06/2910Year19.824-Jun-1911-Jun-29255127.522.25
ESLA-BD-15/06/2910Year19.8528-Jun-1915-Jun-29255527.522.25
GOG-BD-07/07/3110Year19.7519-Jul-2107-Jul-3133072822.25
ESLA-BD-29/12/3112Year20.513-Jan-1929-Dec-3134822822.25
GOG-BD-15/03/3215Year19.7503-Apr-1715-Mar-3235592822.35
ESLA-BD-09/09/3312Year2024-Sep-2109-Sep-33410228.1522.75
GOG-BD-10/07/3415Year2010-Jul-1910-Jul-34440228.1522.85
GOD-BD-01/08/3920Year20.226-Aug-1901-Aug-39625428.523
COCOA BILLS-21/07/22182Days020-Jan-2221-Jul-22342218.5
GOG-BL-25/07/22364Days026-Jul-2125-Jul-22382218.5
COCOA BILLS-04/08/22182Days003-Feb-2204-Aug-22502218.5
COCOA BILLS-09/08/22182Days008-Feb-2209-Aug-22532218.5
GOG-BL-05/09/22364Days006-Sep-2105-Sep-22802218.55
COCOA BILLS-13/09/22182Days015-Mar-2213-Sep-22882218.55
GOG-BL-03/10/22364Days004-Oct-2103-Oct-221072218.6
COCOA BILLS-11/11/22182Days013-May-2211-Nov-221472219
GOG-BL-12/12/22364Days013-Dec-2112-Dec-2217825.521.5
GOG-BL-30/01/23364Days031-Jan-2230-Jan-2322725.521.5
GOG-BL-13/03/23364Days014-Mar-2230-Jan-2326925.521.55
GOG-BL-29/05/23364Days030-May-2229-May-2334625.521.6

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.

CalBank Mobile Banking
New Daily Transactional Limit on *771#, CalBank App, CalNet, ATM Cards and POS

Transaction on Channel

Daily Transactional Limit

Transfers done on mobile banking (*771#)
10,000
Transfers done on CalNet
30,000
Transfers done on CalBank App
20,000
MTN wallet to CalBank Account
No limit on Platform/ MTN limits Apply
CalPay Wallet to CalPay Wallet Transfer on CalBank App
GHS500 for subscribers with no source of funding added. GHS5,000 for subscribers who have linked cards and GHS10,000 for subscribers who linked their CalBank Account.
ATM Cash Withdrawal using Visa Classic Card
5,000
ATM Cash Withdrawal using Visa Gold Card
8,000
ATM Cash Withdrawal using Visa Signature Card
20,000
ATM Cash Withdrawal using Gh-Link Card
5,000
ATM Cash Withdrawal using CalBank Prepaid Card
5,000
POS transaction using Visa Classic Card
8,000
POS transaction using Visa Gold Card
12,000
POS transaction using Visa Signature Card
20,000
POS transaction using Gh-Link Card
8,000
POS transaction using CalBank Prepaid Card
8,000
E-commerce transaction using Visa Classic Card
8,000
E-commerce transaction using Visa Gold Card
12,000
E-commerce transaction using Visa Signature Card
20,000
E-commerce transaction using Gh-Link Card
8,000
E-commerce transaction using CalBank Prepaid Card
8,000
Transactional limits for wallet to bank transfers are subject to the Telcom’s daily limits
Daily Transactional Limit on CalPay for Merchant Payments

Source Of Funding

Daily Limit

CalBank Account
GHS 10,000
Card
No limit on App/ Card limits Apply
Mobile Money
No limit on App/ Mobile Wallet Limits Apply
CalPay Wallet
GHS 500
CalBank Debit Card

Products/Services

Fees

Visa Card Issuance
GHS 15.00
Visa Card Replacement
GHS 15.00
Card Maintenance Fee
GHS 3.00 Monthly
Cash Withdrawal on CalBank ATM (Visa Signature)
Free
Cash withdrawal (other Local Banks’ ATM)
0.40% + GHS 1.0 per transaction
Cash withdrawal on Visa ATM’s (International)
0.40% + USD 0.45 per transaction
Card transaction Online
2%
Student Card Issuance
Free
Student Card transaction on (Cal Bank ATM)
Free
Student Card Transaction (Other local banks’ ATM)
GHS 0.30p.+1.50+0.40% per withdrawal
Student Card Maintenance
Free
Uncollected Card after (6)months
GHS 10.00
CalBank Visa Signature Card

Products/Services

Fees

ATM withdrawal (CalBank ATM)
Free
ATM withdrawal (Local ATM)
0.65% + GHS 2.50
ATM withdrawal (International ATM)
3%+GHS 6.0
POS Purchase (Local)
Free
POS Purchase (International)
3%
CalBank Visa Signature Card

Products/Services

Fees

ATM withdrawal (CalBank ATM)
Free
ATM withdrawal (Local ATM)
0.4%+ GHS2.50
ATM withdrawal (International ATM)
2%+GHS4.0
POS Purchase (Local)
Free
POS Purchase (International)
2%
CalBank Prepaid Card

Products/Services

Fees

Card Issuance Fee
GHS 15.00
Annual Maintenance Fee
GHS 48.00
PIN Re-Issue Fee
GHS 3.00
ATM withdrawal (International ATM)
3%
ATM withdrawal (Local ATM)
0.4% + GHS 2.50
ATM withdrawal (CalBank ATM)
GHS 1.00
POS Purchase (Local)
GHS 3.00
POS Purchase (International)
3%
E-Commerce Purchase (Local)
GHS 3.00
E-Commerce Purchase (International)
3%
Minimum deposit advised is GHS100.00
CalBank Online Banking

Products/Services

Fees

Card transaction Online
2%
CalNet (Retail)
Free
CalNet (Corporate)
GHS 5 Monthly
E-Statement
Free
CalBank Alert
GHS 2.00 Monthly
Verified By Visa (VbyV)
Free
Interbank ACH Transfer
Min GHS 7.0; Max GHS 15.0
Interbank GIP Transfer
Min GHS 0.50; Max GHS 5.0
Funds Transfers using Mobile Money Interoperability
Min GHS 0.75; Max GHS 15.0
CalBank Mobile Banking (*771#)

Products/Services

Fees

Transfer from Mobile Money Wallet to a CalBank Account
Free
Bank Transfer to other Telco (Vodafone, Airtel-Tigo, MTN) Wallet
1%; min. GHS5.00 and max. GHS15.000
Bank Transfer from CalBank to another CalBank Account
Free
Bank Transfer from CalBank to another bank (Retail)
1%; min. GHS5.00 and max. GHS15.000
Bank Transfer from CalBank to another bank (Corporate)
1%; min. GHS10 and max. GHS20.00
Interbank ACH Transfer
Min GHS 7.0; Max GHS 15.0
Interbank GIP Transfer
Min GHS 0.50; Max GHS 5.0
Funds Transfers using Mobile Money Interoperability
Min GHS 0.75; Max GHS 15.0
POS

Products/Services

Fees

Card transaction on POS terminal (Local)
GHS 1.50 per transaction
Card transaction on POS terminal (International)
2%
Card transaction on POS terminal (Online International)
%
CalBank App

Products/Services

Fees

Interbank ACH Transfer
Min GHS 7.0; Max GHS 15.0
Interbank GIP Transfer
Min GHS 0.50; Max GHS 5.0
Funds Transfers using Mobile Money Interoperability
Min GHS 0.75; Max GHS 15.0
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