Short Answer: Yes, you absolutely can!
If you’re a Ghanaian living abroad—in countries like the UK, Germany, Ireland, USA, Canada, France, Spain, or even Japan—you can invest in Ghana’s Treasury Bills (T-Bills) without physically being in Ghana.
Let me walk you through how it works, what you need, and why this is one of the safest investment options you can make back home, especially from the diaspora.
✅ What Are Treasury Bills?
Before we jump into the “how,” let’s clarify the “what.”
Treasury Bills are short-term debt instruments issued by the Government of Ghana through the Bank of Ghana (BoG) to raise funds for national development. You lend money to the government, and they pay you back with interest after a fixed period—usually 91-day, 182-day, or 364-day.
🌍 Investing from the Diaspora: Is It Possible?
Yes, 100%!
You do not need to be physically present in Ghana to invest in T-Bills. Thanks to digital banking and Ghana’s unique identification system, the Ghana Card (ECOWAS Card), you can now:
- Open a savings account with a bank in Ghana
- Transfer funds into your Ghanaian bank account
- Instruct the bank to purchase Treasury Bills on your behalf
💳 What Do You Need to Get Started?
To invest in T-Bills from abroad, here are the essentials:
1. Ghana Card (ECOWAS Card)
This is now the primary form of identification for all financial transactions in Ghana.
If you don’t have one yet, you can register at a Ghana Embassy or Consulate near you.
2. Choose a Trusted Bank
Contact a Ghanaian bank like:
- Fidelity Bank Ghana
- CalBank
- GCB Bank
- Ecobank Ghana
- Stanbic Bank
Most of these banks allow you to open an account remotely using your Ghana Card and supporting documents.
📲 How the Process Works (Step-by-Step)
Step 1: Contact Your Preferred Bank
Start by reaching out via their website or customer care line. They’ll guide you on the remote account opening process. Most require:
- Ghana Card
- Passport photo
- Proof of address abroad
- Completed application forms (some offer digital forms)
Step 2: Open a Regular Savings Account
Once your account is opened, you’ll receive your bank details. You can now send funds from your international account via:
- SWIFT transfer
- Money transfer services like Wise, Remitly, and WorldRemit
- Direct bank-to-bank transfers
Step 3: Instruct the Bank to Buy Treasury Bills
With your funds available, instruct the bank via email or mobile banking platform to purchase the T-Bills. Provide:
- The amount you want to invest
- Term (91-day, 182-day, or 364-day)
- Your preferred start date
Many banks will send you a confirmation or investment certificate.
🚀 Using Fidelity Bank’s Mobile App (Highly Recommended)
One of the easiest ways to invest in Treasury Bills remotely is through the Fidelity Mobile App.
Features include:
- Instant T-Bill purchases
- View current interest rates
- Track maturity and returns
- Set auto-renewal or withdrawal options
This is ideal for Ghanaians in the diaspora who prefer full control without constant emailing.
📊 How Much Interest Will I Earn?
Interest rates for T-Bills vary weekly. As of writing, here are the approximate rates currently as at first week of June 2025:
- 91-Day – ~14%
- 182-Day – ~15%
- 364-Day – ~15%
👉 To check the current rate, visit the Bank of Ghana Treasury Bill Rates page.
You can also use our helpful tool to estimate your earnings:
🔗 Try Our Treasury Bills Investment Calculator
🔗 Read How to Buy Treasury Bills in Ghana – Full Guide
🛡️ Why You Should Consider T-Bills From Abroad
- Safe: Backed by the Government of Ghana
- Short-Term: Easy to access funds in 3–12 months
- Passive: Zero management hassle
- Remote: Fully managed from your location
- Stable Returns: Higher than most savings accounts abroad
✉️ Final Thoughts: Start Today
Whether you’re in London, Toronto, Frankfurt, New York, or Tokyo, you can grow your money in Ghana the smart way.
Treasury Bills are a trusted option, especially if you’re planning for:
- Building a house
- Funding education
- Retirement
- Supporting family back home
All you need is your Ghana Card, a savings account, and a few digital steps.
🔗 Related Articles:
- How To Buy Treasury Bills in Ghana – Complete Guide
- Treasury Bills Investment Calculator – Know Your Returns
Ready to start investing?
Contact your preferred bank or download the Fidelity Bank App now and start growing your cedis today—from anywhere in the world.
