Treasury Bills

Secure, Low-Risk Investments Backed by the Government

african man investment02 Commercial Trust Bank

Who Is This Investment For?

Treasury Bills are short-term government bonds that the bank purchases on behalf of customers looking for a safe and predictable investment option. With flexible tenures and guaranteed returns, Treasury Bills are ideal for individuals and businesses seeking stability and capital preservation.

To invest in Treasury Bills, customers must provide:

  • Proof of an existing account with the bank
  • Completed Treasury Bill application forms issued by the bank, indicating:
    • Investment intention
    • Preferred tenure
    • Amount to be invested
  • Valid identification:
    (National ID, International Passport, Driver’s License, or Voter’s ID)
  • Bank-Assisted Bidding – The bank submits bids and manages the purchase process on behalf of the customer
  • Pre-Funded Requirement – Customer’s account must be fully funded before the investment is made
  • Flexible Tenure Options – Choose from 90 days, 180 days, or 365 days
  • Roll-Over Option – Option to roll over principal and accrued interest upon maturity
  • Tax Compliance – 15% withholding tax on interest is applied at maturity 
  • Minimum Investment – Start investing from 1.35M XOF