Compare savings & fixed deposit rates in Ghana

By the Rateweb editorial team · How we rate · Product details checked 15 Aug 2026

Compare where cedi savings actually earn. Treasury bills — set at the Bank of Ghana's weekly auction — are the benchmark every savings or fixed-deposit rate should beat; the yields below are from the early-July 2026 auction and reset weekly, so confirm the current week at bog.gov.gh before you buy. Bank deposits are GDPC-insured only up to the statutory limit (GH₵6,250 at a bank, GH₵1,250 at an SDI, as published July 2026); T-bills are government obligations instead. Never chase a rate at an institution you haven't verified on the Bank of Ghana's register.

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3 results

91-Day Treasury Bill

A direct obligation of the Government of Ghana, sold at the Bank of Ghana's weekly auction through banks and licensed brokers. The benchmark every cedi savings rate should beat.
★★★★★
4.6/5 · How we rate
5.79%
Yield (Bog, Issued 27 Jul 2026)
Bank of Ghana data issued 27 Jul 2026 — OLDER than the latest weekly tender; confirm the current rate at bog.gov.gh before buying
Rate Freshness
From about GH₵100 direct; banks often set a few hundred cedis
Minimum
Government of Ghana (not a bank deposit; not GDPC insurance)
Risk
Rediscount possible at a cost — treat as locked for the tenor
Early Exit
fixed
Access
Pros
  • Government risk — the cleanest cedi benchmark
  • Low minimum, buyable at bank counters and apps
  • Known return if held to maturity
Cons
  • Rate changes every week — confirm the current auction
  • Early exit costs part of your return
Current rates at Bank of Ghana Full details & review →

182-Day Treasury Bill

A direct obligation of the Government of Ghana, sold at the Bank of Ghana's weekly auction through banks and licensed brokers. The benchmark every cedi savings rate should beat.
★★★★★
4.6/5 · How we rate
7.69%
Yield (Bog, Issued 27 Jul 2026)
Bank of Ghana data issued 27 Jul 2026 — OLDER than the latest weekly tender; confirm the current rate at bog.gov.gh before buying
Rate Freshness
From about GH₵100 direct; banks often set a few hundred cedis
Minimum
Government of Ghana (not a bank deposit; not GDPC insurance)
Risk
Rediscount possible at a cost — treat as locked for the tenor
Early Exit
fixed
Access
Pros
  • Government risk — the cleanest cedi benchmark
  • Low minimum, buyable at bank counters and apps
  • Known return if held to maturity
Cons
  • Rate changes every week — confirm the current auction
  • Early exit costs part of your return
Current rates at Bank of Ghana Full details & review →
Highest current yield

364-Day Treasury Bill

A direct obligation of the Government of Ghana, sold at the Bank of Ghana's weekly auction through banks and licensed brokers. The benchmark every cedi savings rate should beat.
★★★★★
4.6/5 · How we rate
12.97%
Yield (Bog, Issued 27 Jul 2026)
Bank of Ghana data issued 27 Jul 2026 — OLDER than the latest weekly tender; confirm the current rate at bog.gov.gh before buying
Rate Freshness
From about GH₵100 direct; banks often set a few hundred cedis
Minimum
Government of Ghana (not a bank deposit; not GDPC insurance)
Risk
Rediscount possible at a cost — treat as locked for the tenor
Early Exit
fixed
Access
Pros
  • Government risk — the cleanest cedi benchmark
  • Low minimum, buyable at bank counters and apps
  • Known return if held to maturity
Cons
  • Rate changes every week — confirm the current auction
  • Early exit costs part of your return
Current rates at Bank of Ghana Full details & review →

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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