91-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.
91-Day Treasury Bill
★★★★★
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
How 91-Day Treasury Bill compares in savings & fixed deposits
| 91-Day Treasury Bill | 182-Day Treasury Bill | 364-Day Treasury Bill | |
|---|---|---|---|
| Yield (Bog, Issued 27 Jul 2026) | 5.79% | 7.69% | 12.97% |
| 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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