Fair-rate check · Ghana
Is the rate you were offered fair?
A saver who knows the government pays 9.83% on its bills can judge the 4.10% banks pay on savings on average. A borrower who knows banks charge 15.94% on average can judge the rate a lender quotes. Type yours; the comparison uses only the Bank of Ghana’s own figures.
Is my rate fair? · Ghana
Against the published benchmarks · information, not advice
Type the rate you were offered and the amount. Best published saving option: 364-day Treasury bill 9.83%. Banks’ average savings rate 4.10%; average commercial bank lending rate 15.94% (August 2026).
Saving
What your money could earn
| 364-day Treasury billBank of Ghana, interest-rate equivalent, auction of 28 Sept 2026 | 9.83% |
| Bank 3-month time deposit, averageBank of Ghana, August 2026 | 8.68% |
| 182-day Treasury billBank of Ghana, interest-rate equivalent, auction of 28 Sept 2026 | 6.37% |
| 91-day Treasury billBank of Ghana, interest-rate equivalent, auction of 28 Sept 2026 | 4.68% |
| Bank savings deposit, averageBank of Ghana, August 2026 | 4.10% |
Borrowing
What banks charge
| Average commercial bank lending rateBank of Ghana, August 2026 | 15.94% |
| Monetary Policy RateBank of Ghana | 14.00% |
Where the figures come from
Treasury bill rates from the Bank of Ghana’s auction results; bank averages from the Bank of Ghana’s published monthly rates; the policy rate from the central bank’s own site.
What “fair” means here
For savings: near or above what the government itself pays. For loans: near what banks charge. All rates are compared before tax. It is a yardstick, not a judgement of any institution.
Share it
Forward this page to anyone being quoted a rate. The figures update as each auction and monthly average is published.