Current Rates

Foreign Exchange Rates as at 18th September 2019 (All Rates Quoted are Indicative Only)
Currency Bid (GHC) Offer(GHC)
USD($) 5.2800 5.5400
GBP(£) 6.5500 6.8000
EUR 5.8200 6.1600


CalBank Flexisave Account Rates effective 18th September 2019
Cal 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 Kiddysave Account Rates effective 18th September 2019
Cal 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%


CalBank Premium Account Rates effective 18th September 2019
CAL 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 18th September 2019
Cal Premium Account Rate
Min. GHC 10,000.00 0.25%

  • 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 Investplus Effective 18th September 2019
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 18th September 2019
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 18th September 2019
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 - 18th September 2019

Security Name Tenor Coupon (%) Issue Date Maturity Date Days to Maturity Bid (%) Offer (%)
GOG-NT-7/10/19 2 Year 17.00% October 9, 2017 October 7, 2019 20 18.75% 15.00%
GOG-NT-11/11/19 2 Year 17.24% November 13, 2017 November 11, 2019 55 19.75% 15.00%
GOG-NT-09/11/20 2 Year 19.50% November 12, 2018 November 20, 2020 419 20.00% 16.50%
GOG-NT-8/03/21 2 year 19.75% March 11, 2019 March 8, 2021 538 20.50% 16.75%
GOG-BD-17/05/21 3Year 16.25% May 21, 2018 May 17, 2021 608 19.50% 16.75%
GOG-BD-19/07/21 5 year 24.75% July 25, 2016 July 19, 2021 671 22.00% 16.75%
GOG-BD-26/07/21 3 year 18.00% July 30, 2018 July 26, 2021 678 18.75% 16.75%
GOG-BD-25/07/22 5 year 18.25% July 31, 2017 July 25, 2022 1042 19.50% 17.50%
GOG-BD-28/11/22 5 year 17.60% December 4, 2017 November 28, 2022 1168 19.50% 16.50%
GOG-BD-25/03/24 7 Year 19.75% April 3, 2017 March 25, 2024 1651 20.00% 17.25%
GOG-BD-15/04/24 5 year 19.75% April 22, 2019 April 15, 2024 1672 20.00% 17.25%
GOG-BD-08/07/24 5Year 19.50% July 15, 2019 July 8, 2024 1756 20.00% 17.25%
GOG-BD-27/01/25 6 Year 21.00% February 4, 2019 January 27, 2025 1959 20.00% 17.25%
GOG-BD-11/06/29 10 Year 19.80% June 24, 2019 June 11, 2029 3555 20.50% 17.50%
COCOA BILLS-28/01/20 182 Days 0.00% July 30, 2019 January 28, 2020 133 20.20% 16.10%
COCOA BILLS-28/01/20 182 Days 0.00% August 1, 2019 January 30, 2020 135 20.20% 16.10%
COCOA BILLS-27/02/20 182Days 0.00% August 29, 2019 February 27, 2020 163 20.20% 16.10%
GOG-BL-02/03/20 364 Days 0.00% March 4, 2019 March 2, 2020 167 18.75% 16.50%
GOG-BL-27/04/20 364 Days 0.00% April 29, 2019 April 27, 2020 223 18.75% 16.50%
GOG-BL-15/06/20 364 Days 0.00% June 17, 2019 June 15, 2020 272 18.75% 16.50%
GOG-BL-29/06/20 364 Days 0.00% July 1, 2019 June 29, 2020 286 18.75% 16.50%
GOG-BL-27/07/20 364Days 0.00% July 29, 2019 June 27, 2020 314 18.75% 16.50%

“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.”