Investing in Treasury Bills (T-Bills) is one of the safest and most profitable ways to grow your wealth in Nigeria. Stanbic IBTC Bank is one of the top banks offering Treasury Bills investment services, allowing customers to benefit from secure, short-term, government-backed returns.
If you’re looking for the latest Stanbic IBTC Treasury Bills rates today, this guide provides:
✅ Current Treasury Bills rates
✅ How to invest through Stanbic IBTC
✅ Minimum investment amounts
✅ How to calculate your expected returns
✅ Why you should consider Treasury Bills as an investment
💡 Want to calculate your Treasury Bills earnings? Use our free Treasury Bills Calculator to estimate your returns instantly!
Stanbic IBTC Treasury Bills Rates Today
The Central Bank of Nigeria (CBN) recently conducted an auction, setting the latest Treasury Bills rates. The rates vary based on the tenor (duration) of the investment:
| Treasury Bill Tenor | Discount Rate | Interest Rate |
|---|---|---|
| 91-Day (3 months) | 26.1550% | 27.9849% |
| 182-Day (6 months) | 25.0874% | 28.6856% |
| 364-Day (1 year) | 23.2954% | 30.3703% |
💡 These rates fluctuate based on demand and CBN policies. Always check with Stanbic IBTC for the latest rates before investing.
📌 Not sure how much you’ll earn? Use our Treasury Bills Calculator to estimate your potential returns!
How to Invest in Treasury Bills Through Stanbic IBTC
1️⃣ Choose Your Investment Method (Primary or Secondary Market)
Stanbic IBTC allows investors to buy T-Bills through:
✔ Primary Market – This is when you buy directly from the CBN auction. The minimum investment is ₦50 million.
✔ Secondary Market – If you have less than ₦50 million, you can buy through Stanbic IBTC’s secondary market, where the minimum investment is ₦100,000.
💡 If you don’t have ₦50 million, you can still invest in the secondary market!
2️⃣ Open an Investment Account
To buy T-Bills through Stanbic IBTC, you need:
✔ A Stanbic IBTC bank account
✔ A CSCS (Central Securities Clearing System) account (for secondary market trading)
3️⃣ Decide on Your Investment Amount
✔ Primary Market Minimum: ₦50 million
✔ Secondary Market Minimum: ₦100,000 (in multiples of ₦10,000)
4️⃣ Select Your Preferred Tenor (Duration)
✔ 91-day (3 months)
✔ 182-day (6 months)
✔ 364-day (1 year)
📌 The longer the tenor, the higher the interest rate.
5️⃣ Submit Your Application
✔ For Primary Market purchases, fill out the CBN Treasury Bills Auction Bid Form and ensure your account is funded before the auction date.
✔ For Secondary Market purchases, send an instruction letter to your Stanbic IBTC relationship manager stating the investment amount and tenor.
6️⃣ Fund Your Investment
✔ Transfer the required funds from your Stanbic IBTC bank account.
7️⃣ Receive Your Treasury Bill Certificate
✔ Confirms your investment details, including:
- Amount invested
- Interest rate
- Maturity date
💡 Want to estimate your earnings before investing? Use our Treasury Bills Calculator for instant results!
Example: How to Calculate Your Treasury Bills Returns
To help you understand how much you can earn, here’s a simple example:
🔹 Investment Amount: ₦1,000,000
🔹 Tenor: 364 days
🔹 Discount Rate: 23.2954%
Step 1: Calculate the Discounted Purchase Price
📌 ₦1,000,000 ÷ (1 + (23.2954/100)) = ₦811,000.00
Step 2: Calculate Your Profit
📌 ₦1,000,000 – ₦811,000.00 = ₦189,000.00
💰 At maturity, you receive ₦1,000,000, making a profit of ₦189,000.00.
📌 Don’t want to calculate manually? Use our Treasury Bills Calculator for accurate results!
Benefits of Investing in Treasury Bills with Stanbic IBTC
✔ Risk-Free Investment – Backed by the Federal Government of Nigeria, so no risk of losing money.
✔ High Returns – Earn up to 30% per year, better than savings accounts.
✔ Tax-Free Earnings – Unlike other investments, T-Bill profits are not taxed.
✔ Short-Term Gains – Options of 91, 182, and 364 days allow quick returns.
✔ Easy to Sell – Can be sold before maturity in the secondary market.
✔ Collateral for Loans – T-Bills can be used as security for loans from Stanbic IBTC.
💡 Use our Treasury Bills Calculator to find out how much you can earn!
Costs and Fees for Treasury Bills Investment at Stanbic IBTC
Stanbic IBTC charges the following fees when you invest in Treasury Bills:
✔ Transaction Fee: ₦300
✔ VAT on Transaction Fee: 7.5%
✔ Custody Fees: 0.05% of the face value
✔ VAT on Custody Fees: 7.5%
✔ Commission (Primary Market Only): ₦100
✔ VAT on Commission: 7.5%
📌 Always check with Stanbic IBTC for updated fees before investing.
Final Thoughts – Should You Invest in Stanbic IBTC Treasury Bills?
✅ Yes! Treasury Bills are one of the safest and most profitable investments in Nigeria. With rates as high as 30.37%, now is the perfect time to invest.
📌 Before investing, check the latest rates and calculate your expected earnings using our Treasury Bills Calculator.