Insights
What the numbers
show
Findings from the same data as the comparison pages — every figure traceable to a document its issuer published. Where something isn’t known, these say so rather than filling the gap.
- 19 September 20263 min read
Gold held its value this summer. Ghanaians who owned it still lost money.
Over three months the metal was flat in dollars and the cedi strengthened, so the Ghana Gold Coin fell nearly 4% in cedis. The coin did exactly what it was built to do. That is the point.
goldcurrencyinflationRead → - 14 September 20265 min read
Four Ghanaian banks will open an account for you from abroad. They disagree on who qualifies, where you must be, and what paper you need.
Who counts as diaspora, where you have to be standing, and what paper you need — answered four different ways by four banks, all of them published, none of them wrong.
diasporabankingaccountsRead → - 7 September 20263 min read
Bank fees are falling. Not equally.
Across twenty months the gap between what Ghanaian banks advertise and what they charge has narrowed for every kind of borrower. It has narrowed three times as fast for corporates as for small businesses.
lendingbanksSMEcostsRead → - 7 September 20263 min read
The loan you qualify for was decided months ago
Ghanaian banks charge between 11.03% and 33.58% for the same one-year SME facility. What separates a business that gets the cheap money from one that doesn't is mostly not what it can show today.
lendingbanksSMEeligibilityRead → - 3 September 20264 min read
How to tell whether your exchange rate is any good
Sending money home, changing cash in Accra and buying dollars with a Ghanaian card are three different transactions with three different best answers. All of them measured against the same published baseline.
currencydiasporacostsRead → - 2 September 20263 min read
How to borrow for your business in Ghana
What twenty-two banks actually charge, why the rate on the poster is not the rate you pay, and the one figure to ask for before you sign anything.
guidelendingbanksSMERead → - 2 September 20265 min read
How to read a Ghanaian fund factsheet
Which number is the one that matters, which two look the same and are not, and what most Ghanaian managers leave out. A page-by-page guide to the document you are given before you invest.
guidefundscostsRead → - 1 September 20269 min read
How to start investing in Ghana
What you need, what each route costs, what it takes to open an account, and what to ask before you commit. Written from published figures, with the gaps marked.
guidefundssharesgoldcostsRead → - 1 September 20265 min read
Sending money home is not the same as investing it
For Ghanaians abroad, the exchange rate decides more than the return does. What US$7.8 billion a year is missing, and the questions to ask before investing it.
diasporacurrencyfundsgoldRead → - 31 August 20262 min read
One Ghanaian bank advertises 13.70% and charges 23.42%
Bank of Ghana requires every bank to report what its loans actually cost, fees included. Set those figures against what the banks advertise and the gap reaches 9.72 percentage points.
lendingbanksSMEcostsRead → - 31 August 20265 min read
What buying shares in Ghana costs, and how to choose a stockbroker
A share trade costs 1.5% to 2.5% each way under the Ghana Stock Exchange's rules. Who the 23 licensed brokers are, who does the business, how to reach them, and what to ask before you open an account.
brokerssharescostsRead → - 31 August 20263 min read
Ghanaian shares beat everything, and almost nobody noticed
The GSE Composite Index rose 172.7% between February 2025 and July 2026. Over the same period the best money market fund returned 38.8%, Treasury bills fell to 5%, and gold lost money in cedis.
sharesGSEreturnsRead → - 31 August 20264 min read
The smallest gold coin costs more than twice as much
Bank of Ghana sells a one-ounce gold coin at about 3.5% above the metal in it. The quarter-ounce coin costs 7.75% above. Same gold, and the difference falls on whoever has least to spend.
goldcostsBank of GhanaRead →
How this section is paid for
Articles may carry a labelled sponsor. Sponsors see no copy before publication and have never affected a figure, a ranking or a comparison on this site. The comparison pages, the matching flows and the broker and share listings carry no advertising at all and never will — a banner beside a ranking would destroy the only thing this site has.