A steady week for the cedi and the pump: your money brief for 28 September 2026

Whether you're restocking a shop with imported goods, paying school fees abroad, waiting on money from family overseas or just filling up for the week, the same few numbers decide how far your cedis go. Here's where they stood this morning, Monday 28 September: the dollar was up 0.2% on the week at ₵11.59, and petrol held at ₵16.77 a litre.

The cedi

Front of a Ghanaian five cedi banknote with the Independence Arch and portraits of Ghana's founding leaders. Photo: أشرف اليماني, CC BY-SA 4.0, via Wikimedia Commons

On the interbank market a dollar cost ₵11.59, up from ₵11.56 a week ago. The Bank of Ghana's interbank rate was ₵11.62 on Friday 25 September.

The rate you actually get is another matter. Ghana's banks and bureaus were typically selling dollars at ₵12.08 and buying them at ₵11.42. So if you need $500 to pay a supplier, budget about ₵6,040; if a relative sends you $500, expect about ₵5,708 when you change it. That ₵332 gap is the dealers' margin, and it varies from one to the next, so it pays to compare before you change money. Our rate checker shows who is offering the best rate today.

Elsewhere, the pound was ₵15.33 and the euro ₵13.19. Need a different amount or a past date? The cedi converter does both.

At the pump

Orange GOIL fuel station forecourt with pumps under a canopy in Ghana. Photo: Banku, CC0, via Wikimedia Commons

Petrol is ₵16.77 a litre, diesel ₵17.87 and premium ₵18.99, the typical price across the fuel companies we track. Filling a 50-litre tank with petrol comes to about ₵839. If you drive a trotro or a delivery van that takes 30 litres of diesel a day, that's about ₵536 before your first fare.

Fuel companies can reset their prices at the start of each pricing window, on the 1st and 16th of every month; the next one opens on Thursday 1 October. The fuel cost calculator works out any trip at today's prices.

If you're saving

If you have savings sitting idle, treasury bills are the benchmark to beat. On the bills issued on Monday 21 September the government paid 4.69% a year on the 91-day bill, 6.49% on the 182-day and 9.98% on the 364-day.

In plain terms: put ₵1,000 into a 364-day bill and you get back about ₵1,100 a year later. The treasury bill calculator works it out for any amount and compares it with a fixed deposit.

The world prices behind it

Pile of freshly harvested ripe cocoa pods on a farm in Ghana. Photo: USDA (U.S. Department of Agriculture), Public domain (PD-USGov-USDA), via Wikimedia Commons

In August 2026, the latest month the World Bank has published, cocoa averaged $5,950 a tonne, gold $4,411 an ounce and Brent crude $90.90 a barrel. Gold, oil and cocoa earn most of Ghana's export dollars, so strong prices help hold the cedi up; and the price of crude finds its way to the pump within a pricing window or two.

What to watch this week

• Fuel prices can change when the next pricing window opens on Thursday 1 October.
• Treasury bill rates come out after each weekly auction; we update them as soon as the Bank of Ghana publishes.
• The cedi moves every day. Get the dollar, pound and euro rates and pump prices by text each morning with Daily Rates, GHS 12 a month.

The week in numbers

Every figure is from the API Ghana snapshot of 2026-09-28, compared with the same day a week earlier. World prices are monthly averages. The full series, bank by bank and company by company, are on the markets page and in the API.

The cedi

At the pump

Savings

World prices

* Carried forward from the last day the source published.

Cover photo: Muntaka Chasant, CC BY-SA 4.0, via Wikimedia Commons