Fixed Income Security

The Bank buys treasury securities (Treasury Bills & Bonds) issued by the Government of Ghana on behalf of customers. These securities have very attractive returns and are deemed risk free for clients.

These are short-to-medium (91 to 364 days) term investments which require low startup capital and hence allow a wide array of investors to partake. Treasury bills are discounted instruments and as such offered to investors with interest paid up front. Treasury Bills currently being offered by the government are 91, 182 and 364 day Bills. 

We provide rediscount options for customers who decide not to wait till maturity to redeem their investments.

Treasury Notes are Government securities issued for one to two year maturity periods and which pay semi-annual interest to investors.  

Treasury Bonds are interest bearing instruments issued by the Government of Ghana for investment periods three (3) years and above.  They bear attractive interest rates payable semi-annually (twice a year). Government bonds currently floated on the Ghanaian market are 3, 5, 6, 7, 10, and 15 year bonds.

Customers have the liberty to invest any amounts of their choice in any of these investments subject to their availability.


Minimum purchase for all Government securities and bonds is one hundred cedis (GHS 100).