Current Rates

Foreign Exchange Rates as at 7th March 2021 (All Rates Quoted are Indicative Only)
Currency Bid (GHC) Offer(GHC)
USD($) 5.6500 5.8600
GBP(£) 7.9200 8.2300
EUR 6.8000 7.1100


CalBank Flexisave Account Rates effective 7th March 2021
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 7th March 2021
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 7th March 2021
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 7th March 2021
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 7th March 2021
CalBank Current Account Rate
Min. GHC 10,000.00 0.25%

CalBank Investplus Effective 7th March 2021
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 7th March 2021
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 7th March 2021
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 - 7th March 2021

Security Name Tenor Coupon (%) Issue Date Maturity Date Days to Maturity Bid (%) Offer (%)
GOG-NT-27-Sept-21 2 Year 19.00% 30-Sep-2019 27-Sep-2021 206 17.50% 15.00%
GOG-NT-06/12/21 2 Year 20.95% 09-Dec-19 06-Dec-21 276 17.50% 15.00%
GOG-NT-14/02/22 2Year 20.20% 17-Feb-20 14-Feb-22 346 18.00% 15.50%
GOG-NT-09/05/22 2 Year 18.75% 11-May-20 09-May-22 430 18.00% 15.50%
GOG-NT-29/08/22 2 Year 18.25% 31-Aug-20 29-Aug-22 542 18.00% 15.50%
GOG-NT-03/10/22 2Year 18.50% 05-Oct-20 03-Oct-22 577 18.00% 15.50%
GOG-NT-07/11/22 2 Year 18.50% 09-Nov-20 07-Nov-22 612 18.00% 15.50%
GOG-NT-02/01/23 2Year 18.50 % 04-Jan-21 02-Jan-23 668 18.50% 16.00%
GOG-NT-20/02/23 2Year 17.60% 22-Feb-21 20-Feb-23 717 18.50% 16.00%
GOG-BD-22/03/21 3Year 16.50% 26-Mar-18 22-Mar-21 17 17.00% 13.00%
GOG-BD-17/05/21 3Year 16.25% 21-May-18 17-May-21 73 17.00% 14.00%
GOG-BD-19/07/21 5Year 24.75% 25-Jul-16 19-Jul-21 136 17.50% 14.50%
GOG-BD-26/07/21 3Year 18.00% 30-Jul-18 26-Jul-21 143 17.50% 14.50%
GOG-BD-18/10/21 3 Year 19.50% 22-Oct-18 18-Oct-21 227 17.50% 15.00%
GOG-BD-28/11/22 5 Year 17.60% 04-Dec-17 28-Nov-22 633 18.00% 15.50%
GOG-BD-16/01/23 3Year 20.75% 20-Jan-20 16-Jan-23 682 18.50% 16.00%
GOG-BD-06/03/23 3Year 20.75% 09-Mar-20 06-Mar-23 731 18.50% 16.00%
GOG-BD-29/05/23 3Year 18.85% 01-Jun-20 29-May-23 815 18.50% 16.00%
GOG-BD-18/09/23 3Year 19.00% 21-Sep-20 18-Sep-23 927 18.50% 16.00%
GOG-BD-27/11/23 3Year 19.25% 30-Nov-20 27-Nov-23 997 18.50% 16.00%
GOG-BD-18/12/23 3Year 19.25% 21-Dec-20 18-Dec-23 1018 18.50% 16.00%
GOG-BD-15/04/24 5Year 19.75 % 22-Apr-19 15-Apr-24 1137 18.75% 16.20%
GOG-BD-27/01/25 6 Year 21.00% 04-Feb-19 27-Jan-25 1424 19.00% 16.50%
GOG-BD-17/03/25 5Year 21.70% 23-Mar-20 17-Mar-25 1473 19.00% 16.50%
GOG-BD-07/04/25 7Year 16.25% 16-Apr-18 07-Apr-25 1494 19.00% 16.50%
GOG-BD-23/06/25 5Year 19.25% 29-Jun-20 23-Jun-25 1571 19.00% 16.50%
GOG-BD-13/10/25 5Year 19.85% 19-Oct-20 13-Oct-25 1683 19.00% 16.50%
GOG-BD-18/01/27 6Year 19.25 % 25-Jan-21 18-Jan-27 2145 19.50% 17.00%
GOG-BD-08/11/27 7Year 20.50% 16-Nov-20 08-Nov-27 2439 19.50% 17.00%
GOG-BD-11/06/29 10Year 19.80% 24-Jun-19 11-Jun-29 3020 20.00% 17.50%
GOG-BD-15/03/32 15Year 19.75% 03-Apr-17 15-Mar-32 4028 20.75% 17.75%
GOG-BD-10/07/34 15Year 20.00% 29-Jul-19 10-Jul-34 4875 21.00% 18.00%
GOG-BD-01/08/39 20Year 20.20% 26-Aug-19 01-Aug-39 6723 21.00% 18.00%
COCOA BILLS-16/03/21 182Days 0.00% 15-Sep-20 16-Mar-21 11 17.00% 13.00%
COCOA BILLS-13/05/21 182Days 0.00% 12-Nov-20 13-May-21 69 17.00% 14.00%
COCOA BILLS-18/05/21 182Days 0.00% 17-Nov-20 18-May-21 74 17.00% 14.00%
COCOA BILLS-27/05/21 182Days 0.00% 26-Nov-20 27-May-21 83 17.00% 14.00%
GOG-BL-14/06/21 364Days 0.00% 15-Jun-20 14-Jun-21 101 17.00% 14.50%
COCOA BILLS-01/07/21 182Days 0.00% 31-Dec-20 01-Jul-21 118 17.00% 14.50%
GOG-BL-12/07/21 364Days 0.00% 13-Jul-20 12-Jul-21 125 17.00% 14.50%
GOG-BL-12/07/21 364Days 0.00% 13-Jul-20 12-Jul-21 129 17.00% 14.50%
COCOA BILLS-10/08/21 182Days 0.00% 09-Feb-21 10-Aug-21 158 17.00% 15.00%
GOG-BL-04/10/21 364Days 0.00% 05-Oct-20 04-Oct-21 213 17.50% 15.00%
GOG-BL-24/01/22 364Days 0.00% 25-Jan-21 24-Jan-22 325 18.00% 15.50%

“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.”