How Much Will ₵1,000 Earn on Treasury Bills in Ghana?
At the Bank of Ghana auction issued 2026-07-20, ₵1,000 earns ₵14.42 over 91 days, or ₵129.60 if you lock it for 364. Every figure below is computed from this week's published rates — no tax is withheld for resident individuals.
91-day interest
at 5.78%
364-day interest
at 13.00%
Best this week
₵129.60 interest
Tax withheld
resident individuals
This is an educational calculator, not financial advice. Rates shown are the Bank of Ghana's published weekly auction results (source: bog.gov.gh) and change every week. The rate your bank executes may differ slightly, and banks may apply their own minimums or charges. Tax treatment shown reflects the statutory position for resident individuals — confirm your own situation with the GRA or your bank. Past rates do not predict future rates. accra.cool is not a licensed investment advisor and does not recommend any investment, tenor, or institution. Verify current rates at bog.gov.gh before investing.
₵1,000 at every tenor
| Tenor | Rate | Interest | At maturity | Real return |
|---|---|---|---|---|
| 91-daymatures 19 October 2026 | 5.7845% | ₵14.42 | ₵1,014.42 | +0.5pp |
| 182-daymatures 18 January 2027 | 7.6763% | ₵38.28 | ₵1,038.28 | +2.4pp |
| 364-daymatures 19 July 2027 | 12.9954% | ₵129.60 | ₵1,129.60 | +7.7pp |
The arithmetic, shown in full for the 91-day: ₵1,000 × 0.057845 × 91 ÷ 365 = ₵14.42. Ghana uses an actual/365 day count, which is why the 364-day earns 364/365 of its annual rate rather than the full year.
Roll it or lock it — in cedis
| Roll the 91-day four times | +5.89% | ₵58.95 |
| Lock the 364-day once | +12.96% | ₵129.60 |
A difference of ₵70.65 on ₵1,000 — but this assumes rates stay where they are, and they won't. It shows the tradeoff at today's curve, not a prediction, and it is not a recommendation of either.
At this level, the question is which channel will take you
₵1,000 is entry-tier money, and the binding constraint is not the rate — every holder gets the same 5.7845% — but whether a channel will accept the amount at all. The Bank of Ghana's own floor is ₵100, but that is not the number you will meet. Bank branches typically want around ₵500 to ₵1,000, brokers open at about ₵500, and the mobile-money route is the lowest practical door at roughly ₵100. So at ₵1,000 your realistic options narrow to the digital and broker channels. The return is real but modest — ₵14.42 over 91 days — and worth putting next to the effort of opening the account: this is the tier where the account-opening step, not the yield, is the thing to plan. Our how-to-buy page lists what each channel needs.
See what each channel needs on how to buy.
Common questions
- At this week's Bank of Ghana rates (auction 2026-07-20): ₵14.42 over 91 days at 5.78%, ₵38.28 over 182 days at 7.68%, ₵129.60 over 364 days at 13.00%. The largest return is the 364-day at ₵129.60, maturing at ₵1,129.60. Resident individuals pay no tax on treasury bill interest.
Have a question we should answer? Email hello@accra.cool.
This is an educational calculator, not financial advice. Rates shown are the Bank of Ghana's published weekly auction results (source: bog.gov.gh) and change every week. The rate your bank executes may differ slightly, and banks may apply their own minimums or charges. Tax treatment shown reflects the statutory position for resident individuals — confirm your own situation with the GRA or your bank. Past rates do not predict future rates. accra.cool is not a licensed investment advisor and does not recommend any investment, tenor, or institution. Verify current rates at bog.gov.gh before investing.
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