Ghana Treasury bill rates
The 91-day Ghana Treasury bill interest rate is 4.6135% at the 26 Oct 2026 auction. The 182-day rate is 6.2929% and the 364-day rate is 9.6739%. These are Bank of Ghana interest rates, not a forecast.
| Tenure | Discount rate | Interest rate | Day | Week | Year |
|---|---|---|---|---|---|
| 91 day | 4.5609% | 4.6135% | +1 bps | +1 bps | n/a |
| 182 day | 6.1009% | 6.2929% | +1 bps | +1 bps | n/a |
| 364 day | 8.8206% | 9.6739% | -8 bps | -8 bps | n/a |
Auction date 26 Oct 2026. Tender 2030. Rates updated 26 October 2026. A basis point is 0.01 percentage points.
Recent interest rates
91-day interest rate
20 auctions, latest 26 October 2026
182-day interest rate
20 auctions, latest 26 October 2026
364-day interest rate
20 auctions, latest 26 October 2026
Discount rate or interest rate?
The discount rate is the price cut when the bill is bought below face value. The interest rate is what that discount works out to if you hold the bill until it matures, measured on the lower purchase price rather than the face value. That is why the interest rate is higher. Compare a savings account with the interest rate, not the discount rate. Both numbers on this page are copied from the Bank of Ghana table. Iron Wealth does not recompute them.
What do 91, 182, and 364 days mean?
The number is how long the bill runs before it matures and pays back its face value. A 91-day bill returns your money in about three months, a 182-day bill in about six, and a 364-day bill in about a year. Each interest rate is quoted as a yearly figure, so a shorter bill earns only its share of that rate. At an example rate of 20%, GHS 1,000 in a 91-day bill earns about 1,000 × 0.20 × 91 ÷ 364 = GHS 50 before tax and fees. Shorter bills give you the cash back sooner. Longer bills hold a rate for longer.
How does a T-bill sit next to your MoMo balance?
Buying a bill moves money out of MTN MoMo or a bank account into an investment you still own, so your net worth should not drop. In Iron Wealth, add the bill as a GHS investment account and record the purchase as a transfer from the wallet. When it matures, transfer the purchase amount back and log the gain as interest income. How mobile money tracking works
आखिरी समीक्षा 20 अक्टूबर 2026 को Francis Eshun, Founder of Iron Wealth ने की. इन्हीं पन्नों में बताया गया डिवाइस पर चलने वाला ट्रैकर उन्होंने बनाया है. Iron Labs.
Educational only, not financial, tax, or investment advice. A T-bill rate is not a promise of what you will earn after tax, fees, or inflation.