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Cost of moneyGhana

Deposit rate in Ghana

What does parked money earn there?

Ghana's deposit rate is 10.50 % — #10 of 70 countries on the atlas (higher is better). Period 2025.

10.50%

Checked 22 Sept 2026Period 2025

Source: IMF International Financial Statistics

Deposit rate in Ghana over time

35.76 %22.32 %8.89 %35.76 % · 19978.89 % · 20061978: 11.50 %1979: 11.50 %1980: 11.50 %1981: 11.50 %1982: 11.50 %1983: 11.50 %1984: 15.00 %1985: 15.75 %1986: 17.00 %1987: 17.58 %1988: 16.50 %1989: 15.50 %1991: 21.32 %1992: 16.32 %1993: 23.63 %1994: 23.15 %1995: 28.73 %1996: 34.50 %1997: 35.76 %1998: 32.05 %1999: 23.56 %2000: 28.60 %2001: 30.85 %2002: 16.21 %2003: 14.32 %2004: 13.63 %2005: 10.16 %2006: 8.89 %2007: 8.90 %2008: 11.29 %2009: 17.06 %2010: 12.88 %2011: 8.91 %2012: 10.05 %2013: 12.35 %2014: 12.90 %2015: 13.34 %2016: 13.04 %2017: 14.06 %2018: 12.08 %2019: 11.50 %2020: 11.50 %2021: 11.50 %2022: 12.05 %2023: 11.42 %2024: 10.50 %2025: 10.50 %19782002202510.50 %
47 official observations, 1978 → 2025. Every point is a published value — never interpolated.
Rank
#10 of 70
higher is better
Ranked behind
86 %
60 of 70 countries
Latest move
unchanged
since 2024
Below its peak
25.26 pp
peak 35.76 % in 1997
Full series
▼ 1.00 pp
since 1978

In Africa: #5 of 15vs median 4.96 %: +5.54 pp (better)

Among 70 countries

10 of 70 countries between 0.14 % and 0.93 %6 of 70 countries between 0.93 % and 1.73 %6 of 70 countries between 1.73 % and 2.52 %5 of 70 countries between 2.52 % and 3.31 %3 of 70 countries between 3.31 % and 4.10 %5 of 70 countries between 4.10 % and 4.89 %6 of 70 countries between 4.89 % and 5.69 %5 of 70 countries between 5.69 % and 6.48 %3 of 70 countries between 6.48 % and 7.27 %5 of 70 countries between 7.27 % and 8.06 %3 of 70 countries between 8.86 % and 9.65 %3 of 70 countries between 9.65 % and 10.44 %2 of 70 countries between 10.44 % and 11.24 %2 of 70 countries between 11.24 % and 12.03 %2 of 70 countries between 12.03 % and 12.82 %1 of 70 countries between 14.41 % and 15.20 %3 of 70 countries between 18.37 % and 19.16 %median 4.82 %Ghana: ahead of 86 % of the 70 countries with a published deposit rateGhana 10.50 %0.14 %19.16 %
Half of all 70 countries sit between 1.89 % and 7.70 %. Ghana is ahead of 86 % of them. Axis trimmed to the 2nd–98th percentile; 3 values beyond it sit in the end bars.

The neighbourhood

#CountryDeposit ratevs Ghana
8 Nigeria11.27 %+0.77 pp
9 Georgia10.59 %+0.09 pp
10 Ghana10.50 %—
11 Rwanda10.33 %−0.17 pp
12 Ukraine9.95 %−0.55 pp

Bank deposit rate, IMF-harmonised — what parked money earns.

How to read this figure

The IMF-harmonised deposit rate — what banks pay on deposits. Compare it with inflation: a deposit rate below inflation means parked money loses purchasing power even inside the bank. Same harmonisation trade-off as the lending rate.

Next, about Ghana

Savings vs inflationInflation rate
Deposit rate, all countries ranked →Compare Ghana with another country →Everything about Ghana →
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