364-Day Treasury Bill — review & details
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.
Highest current yield
364-Day Treasury Bill
★★★★★
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
How 364-Day Treasury Bill compares in savings & fixed deposits
| 364-Day Treasury Bill | 91-Day Treasury Bill | 182-Day Treasury Bill | |
|---|---|---|---|
| Yield (Bog, Issued 27 Jul 2026) | 12.97% | 5.79% | 7.69% |
| Rate Freshness | Bank of Ghana data issued 27 Jul 2026 — OLDER than the latest weekly tender; confirm the current rate at bog.gov.gh before buying | Bank of Ghana data issued 27 Jul 2026 — OLDER than the latest weekly tender; confirm the current rate at bog.gov.gh before buying | Bank of Ghana data issued 27 Jul 2026 — OLDER than the latest weekly tender; confirm the current rate at bog.gov.gh before buying |
| Minimum | From about GH₵100 direct; banks often set a few hundred cedis | From about GH₵100 direct; banks often set a few hundred cedis | From about GH₵100 direct; banks often set a few hundred cedis |
| Risk | Government of Ghana (not a bank deposit; not GDPC insurance) | Government of Ghana (not a bank deposit; not GDPC insurance) | Government of Ghana (not a bank deposit; not GDPC insurance) |
| Early Exit | Rediscount possible at a cost — treat as locked for the tenor | Rediscount possible at a cost — treat as locked for the tenor | Rediscount possible at a cost — treat as locked for the tenor |
| Current rates at Bank of Ghana → | Current rates at Bank of Ghana → | Current rates at Bank of Ghana → |
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