What Is the 182-Day Treasury Bill Rate in Ghana Today?
7.6763% at the Bank of Ghana auction issued 2026-07-20, down 0.11 points on the week before. A bill bought at this auction matures on 18 January 2027. This is the middle path — here is what it pays, what it has paid, and how it compares with the other two tenors.
182-day rate
auction 2026-07-20
vs last week
week-on-week
Real return
after 5.3% inflation
Matures
182 days from issue
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.
The 182-day: the middle path
The 182-day is the least discussed of the three and the most quietly sensible for a certain kind of holder. At 7.6763% it pays meaningfully more than the 91-day without asking you to commit for a full year, which makes it the natural home for money you are fairly — but not completely — sure you will not need. Six months is long enough to earn a real premium and short enough that you are not making a twelve-month call on an economy that has surprised people before. Against inflation of 5.3% the real return is around 2.4 percentage points, comfortably positive without being remarkable. Where it sits on the curve tells you something: the step up from the 91-day is smaller than the step from here to the 364-day, so the market is paying most of its premium for that final six months of commitment rather than spreading it evenly. If you are choosing between the middle and the long end, that asymmetry is the number to look at, and rolling this bill twice gives about 7.80% over the year against 12.96% for the single long one.
What the 182-day has paid
182-day
34 auctions
36.53% → 7.68%
-28.85pp
Bank of Ghana auction results, real published rows only — no interpolated points. The path down was not smooth: the 91-day peaked near 35.7% in February 2023, fell sharply once the domestic debt exchange completed, drifted back up through the second half of 2024, then dropped through two steep falls in early 2025 and early 2026 as inflation collapsed. May 2026 is absent because those auction notices were not retrievable — we leave the gap rather than fill it.
Calculate a 182-day return
Locked to this tenor at the current auction rate. Enter your amount.
Auto-filled from the Bank of Ghana auction. Resident individuals are exempt on government securities; tick the box to see the net if withholding applies to you.
Value at maturity (182 days)
₵10,382.76
Interest earned ₵382.76
| You invest | ₵10,000.00 |
| Rate × 182/365 | 7.6763% |
| Gross interest | ₵382.76 |
| At maturity | ₵10,382.76 |
Real return is the annualised rate less inflation of 5.3% (our price data).
Assumes the published Bank of Ghana auction rate; your bank's executed rate may differ slightly. Ghana uses an actual/365 day count, so a 364-day bill earns 364/365 of the annual rate.
All three tenors this week
Common questions
- 7.6763% — the interest rate at the Bank of Ghana auction issued 2026-07-20. The discount rate on the same bill is 7.3926%. Rates are set weekly, so this changes every Monday.
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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