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Ghana Reference Rate (as used in the Bank of Ghana APR report, May 2026): 10.03%
Published by the Bank of Ghana · May 2026

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Customer groupTenor

APR means interest plus fees expressed as one yearly rate. These are indicative bank-level figures, not individual offers. What APR means. NL means “No loans reported”; N/A means fees and charges are not applicable, as defined in the report.

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Provider comparison
Attribute	CalBank PLC Ghana · Banks
Account opening	Open account on CalBank PLC's website (opens in new tab) You'll leave Afiwe. Afiwe doesn't open accounts or receive your details. Account-opening page. Checked 22 Oct 2026 · Official account-link source (opens in new tab).
Rates
Average lending rate · households · 1 year	13.66% p.a. Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / averageLending · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / averageLending: Source (opens in new tab) · As at May 2026
Average APR · households · 1 year	15.82% p.a. Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / apr · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / apr: Source (opens in new tab) · As at May 2026
Minimums and fees
Maximum commitment fee · households · 1 year	Not applicable (N/A) Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / commitmentFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / commitmentFee: Source (opens in new tab) · As at May 2026
Maximum processing fee · households · 1 year	1.00% Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / processingFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / processingFee: Source (opens in new tab) · As at May 2026
Maximum arrangement fee · households · 1 year	Not applicable (N/A) Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / arrangementFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / arrangementFee: Source (opens in new tab) · As at May 2026
Maximum insurance fee · households · 1 year	1.40% Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / insuranceFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / insuranceFee: Source (opens in new tab) · As at May 2026
Maximum facility fee · households · 1 year	1.00% Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / facilityFee · As at May 2026 Source and date Published by the Bank of Ghana · May 2026; row: Table 1, row 5: CalBank PLC / facilityFee: Source (opens in new tab) · As at May 2026
Provider-level fees and minimums	See provider's website
Named products listed on Afiwe	CalBank Current Account FlexiSave Account CalBank Current Account · Source checked 23 Oct 2026 (+1 more) Source and date CalBank Current Account: Source (opens in new tab) · Source checked 23 Oct 2026 FlexiSave Account: Source (opens in new tab) · Source checked 23 Oct 2026
Eligibility
Institution type	Universal bank Official regulator register · Source checked 21 Oct 2026 Source and date Official regulator register: Source (opens in new tab) · Source checked 21 Oct 2026
Account holders on listed products	Individual CalBank Current Account · Source checked 23 Oct 2026 (+1 more) Source and date CalBank Current Account: Source (opens in new tab) · Source checked 23 Oct 2026 FlexiSave Account: Source (opens in new tab) · Source checked 23 Oct 2026
Licence and regulator
Regulator	Bank of Ghana (BoG) Official regulator register · Source checked 21 Oct 2026 Source and date Official regulator register: Source (opens in new tab) · Source checked 21 Oct 2026
Regulator register entries	See provider's website
Last checked	21 Oct 2026 Official regulator register · Source checked 21 Oct 2026 Source and date Official regulator register: Source (opens in new tab) · Source checked 21 Oct 2026

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