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CalBank

Household loan APR (1yr): 28.20 %
OverviewDetails
CalBank BoG licensed

CalBank average lending rate = 25.80% APR

CalBank reports this in the Bank of Ghana Annual Percentage Rate release, Jun 2025. On a typical household loan the APR is about 28.20%.

What CalBank charges to borrow (APR)
Household
28.20%
Personal and consumer loans
SME
27.64%
Small and medium businesses
Average lending rate 25.80%. That is 2.00 points above the Ghana Reference Rate, the benchmark all banks price loans from.

APR (Annual Percentage Rate) is the all-in yearly cost of a loan including fees, so it is the fair way to compare banks. Figures are the Bank of Ghana APR release, Jun 2025.

CalBank profile
Bank of Ghana status
Licensed universal bank, reporting in the Bank of Ghana APR release
Frequently asked
What interest rate does CalBank charge on a loan?
CalBank reports an average lending rate of 25.80% APR in the Bank of Ghana APR release (Jun 2025). On a household loan the APR is about 28.20%.
Is CalBank licensed in Ghana?
CalBank is a licensed universal bank, reporting in the Bank of Ghana APR release.
Compare other Ghana banks
First National Bank Ghana 32.64 % Fidelity Bank Ghana 35.88 % Ecobank Ghana 33.25 %
Sources
  • Bank of Ghana Jun 2025

Every figure on this page is dated and drawn from a named public source. Data changes over time; check the source for the latest.

Snapshot
28.20 %
Household loan APR (1yr)
27.64 %
SME loan APR (1yr)
Key facts
Household loan APR (1yr)28.20 %
SME loan APR (1yr)27.64 %
Average lending rate25.80 %
Spread over GRR2 %
BoG licence statusLicensed universal bank, reporting in the Bank of Ghana APR release
More banks in Ghana
Absa Bank Ghana29.34 %Access Bank Ghana28.03 %Agricultural Development Bank37.95 %Bank of Africa Ghana20.22 %Consolidated Bank Ghana38.10 %Ecobank Ghana33.25 %
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