Current Rates

Foreign Exchange Rates as at 15th November 2019 (All Rates Quoted are Indicative Only)
Currency Bid (GHC) Offer(GHC)
USD($) 5.3200 5.6100
GBP(£) 6.8000 7.1100
EUR 5.8800 6.1900


CalBank Flexisave Account Rates effective 15th November 2019
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 15th November 2019
Amount Account Rate 91 Days (%p.a.) Rate 182 Days (%p.a.) GH¢ 500,000 and Above
GHC1,000 - 49,000 13.00% 13.50% Negotiable
GHC50,000 - 199,999 13.50% 14.00% Negotiable
GHC200,000 - 500,000 14.00% 14.50% Negotiable


CalBank Kiddysave Account Rates effective 15th November 2019
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 15th November 2019
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 15th November 2019
CalBank Current Account Rate
Min. GHC 10,000.00 0.25%

CalBank Investplus Effective 15th November 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 15th November 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 15th November 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 - 15th November 2019

Security Name Tenor Coupon (%) Issue Date Maturity Date Days to Maturity Bid (%) Offer (%)
GOG-NT-5/10/20 2 Year 19.50% 8-Oct-2018 5-Oct-2020 325 19.00% 16.50%
GOG-NT-09/11/20 2 Year 19.50% 12-Nov-18 09-Nov-20 360 19.00% 16.50%
GOG-NT-22/2/21 2 Year 19.75% 25-Feb-19 22-Feb-21 465 19.50% 17.00%
GOG-NT-8/03/21 2 year 19.75% 11-Mar-2019 8-Mar-2021 479 19.50% 17.00%
GOG-NT-27-Sept-21 2 Year 19.00% 30-Sep-2019 27-Sep-2021 682 19.50% 17.00%
GOG-NT-08/11/21 2 Year 19.50% 11-Nov-19 08-Nov-21 724 19.50% 17.00%
GOG-BD-21/09/20 3 Year 18.25% 25-Sep-17 21-Sep-20 311 19.00% 16.50%
GOG-BD-17/05/21 3 Year 16.25% 21-May-2018 17-May-2021 549 19.50% 17.00%
GOG-BD-28/06/21 3 Year 17.50% 02-Jul-18 28-Jun-21 591 19.50% 17.00%
GOG-BD-19/07/21 5 year 24.75% 25-Jul-2016 19-Jul-2021 612 19.50% 17.00%
GOG-BD-26/07/21 3 year 18.00% 30-Jul-2018 26-Jul-2021 619 19.50% 17.00%
GOG-BD-18/10/21 3 Year 19.50% 22-Oct-18 18-Oct-21 703 19.50% 17.00%
GOG-BD-3/01/22 3Year 20.00% 07-Jan-19 03-Jan-22 780 19.80% 17.50%
GOG-BD-25/07/22 5 year 18.25% 31-Jul-2017 25-Jul-2022 983 19.80% 17.50%
GOG-BD-28/11/22 5 year 17.60% 04-Dec-2017 28-Nov-2022 1109 19.80% 17.50%
GOG-BD-6/2/23 5Year 16.50% 12-Feb-18 06-Feb-23 1179 19.90% 18.00%
GOG-BD-25/03/24 7 Year 19.75% 03-Apr-2017 25-Apr-2024 1592 20.00% 18.20%
GOG-BD-15/04/24 5 year 19.75% 22-Apr-2019 15-Apr-2024 1613 20.00% 18.40%
GOG-BD-08/07/24 5Year 19.50% 15-Jul-2019 08-Jul-2024 1697 20.00% 18.40%
GOG-BD-27/01/25 6 Year 21.00% 04-Feb-2019 27-Jan-2025 1900 20.00% 19.00%
GOG-BD-07-04-25 7 Year 16.25% 16-Apr-2018 07-Apr-2025 1970 20.00% 19.00%
GOG-BD-11/06/29 10 Year 19.80% 24-Jun-2019 11-Jun-2029 3496 20.50% 19.30%
COCOA BILLS-19/11/19 182Days 0.00% 21-May-19 19-Nov-19 4 18.50% 16.30%
COCOA BILLS-23/01/20 182 Days 0.00% 25-Jul-19 23-Jan-20 69 18.50% 16.30%
COCOA BILLS-30/01/20 182 Days 0.00% 01-Aug-2019 30-Jan-2020 76 18.50% 16.30%
COCOA BILLS-27/02/20 182 Days 0.00% 29-Aug-2019 27-Feb-2020 104 18.50% 16.30%
GOG-BL-02/03/20 364 Days 0.00% 04-Mar-2019 02-Mar-2020 108 18.75% 16.50%
COCOA BILLS-17/03/20 182 Days 0.00% 17-Sep-2019 17-Mar-2020 123 18.50% 16.50%
GOG-BL-27/04/20 364 Days 0.00% 29-Apr-2019 27-Apr-2020 164 18.75% 16.50%
COCOA BILLS-14/05/20 182 Days 0.00% 14-Nov-19 14-May-20 181 18.50% 16.60%
GOG-BL-15/06/20 364 Days 0.00% 17-Jun-2019 15-Jun-2020 213 18.75% 16.50%
GOG-BL-29/06/20 364 Days 0.00% 01-Jul-2019 29-Jun-2020 227 18.75% 16.50%
GOG-BL-27/07/20 364 Days 0.00% 29-Jul-2019 27-Jun-2020 255 18.75% 16.70%
GOG-BL-21/09/20 364 Days 0.00% 23-Sep-2019 21-Sep-2020 311 18.75% 16.70%
GOG-BL-19/10/20 364 Days 0.00% 23-Oct-2019 21-Oct-2020 339 18.75% 16.70%

“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.”