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The short answer
Guaranty Trust Bank (GTBank) Nigeria does not publish a retail treasury bills page, minimum or form on the pages we checked in October 2026, so you subscribe through your account officer or GTConnect (+234 201 448 0000). Ask for the current minimum, rate and cut-off, give a signed instruction authorising the debit, and fund the account before the bank's deadline; primary auctions usually hold every other Wednesday.
What GTBank publishes, and what it does not
Searching for "GTBank treasury bills" brings up pages for GTBank Ghana, which describe Ghana's T-bills and do not apply to Nigeria. On GTBank Nigeria's own site, we did not find a page setting out a retail T-bill minimum, an application form or an app menu for buying bills when we checked in October 2026. That leaves the bank's people as the source of truth: your account officer, your branch, or GTConnect, the contact centre.
GTBank's contact page lists GTConnect on +234 201 448 0000, 0700-482666328, +234 802 900 2900, +234 803 900 3900 and +234 813 985 6000. Because the terms are not published, write down what you are told, or ask for it by email, before you fund anything.
How a bank T-bill subscription works
Whichever bank you use, the bills themselves are the same: Federal Government treasury bills issued by the CBN, in 91, 182 and 364-day tenors, bought at a discount and repaid at face value. What differs is how the bank handles your order. Nairametrics, describing bank bids in 2018, set out three routes:
| Route | How it works | Who it suits |
|---|---|---|
| Direct auction bid | You bid at the CBN auction through the bank, stating amount, tenor and bid rate | Large investors; FirstBank's and Stanbic IBTC's pages put the minimum at ₦50,001,000 |
| Pooled bid | The bank combines smaller orders into one bid | Smaller savers; some banks set pooling minimums, which Nairametrics said could be as high as ₦1 million in 2018 |
| Secondary or rediscounted bill | The bank sells you a bill it already holds or has bought back | Anyone, any working day; Nairametrics said the rate may be slightly lower |
Parthian Partners, an SEC-regulated dealer, said in June 2026 that some banks sell T-bills from ₦100,000. That is a market-wide observation, not a GTBank figure. Ask GTBank which of the three routes your order would take, because it changes both the rate and the timing. Our guide to the minimum amount for T-bills in Nigeria compares the published minimums.
Steps to subscribe through GTBank
- Contact your account officer or GTConnect and ask for the treasury or investment desk.
- Ask: the current minimum, today's rates by tenor, whether the order is primary or secondary, all charges, and the cut-off for the next auction.
- Write a signed instruction: full name, account number, face value or amount, tenor, and authority to debit your account. Ask whether the bank has its own form instead.
- Fund the account with at least the discounted price before the cut-off.
- Get a written confirmation showing face value, rate, value date and maturity date, and keep it.
If the bank asks you to sign a custody or safekeeping authority, read it: it lets the bank hold the bills on your behalf, and you should know what, if anything, it charges for that. Our guide to filling a T-bill subscription form explains the usual fields.
Timing: auction weeks and cut-offs
Primary auctions usually hold every two weeks on Wednesdays unless the CBN advises otherwise, according to Stanbic IBTC's T-bill FAQ. Banks collect customer bids before the auction, so GTBank's internal deadline will be earlier than the auction itself. Ask for it and fund the account a day ahead if you can. If you miss an auction, a secondary-market bill can be bought on most working days. Our explainer on how auctions work covers bids and stop rates.
Worked example: a ₦200,000 bill for 364 days
Example only, with an assumed discount rate of 15% a year and a 365-day year. Use the rate GTBank quotes on the day.
| Item | Amount |
|---|---|
| Face value at maturity | ₦200,000.00 |
| Discount: 200,000 × 15% × 364 ÷ 365 | ₦29,917.81 |
| Price debited | ₦170,082.19 |
| Annualised return on the price paid | about 17.64% |
Any charges the bank applies come off the ₦29,917.81. On a bill this size, a fixed fee of a few hundred naira matters more than it would on a ₦5 million bill, so ask for the total cost up front.
At maturity, or if you need the money sooner
Tell GTBank in writing what should happen at maturity: pay the face value into your account, or roll it into a new bill at the rate then on offer. If you give no instruction, ask what the bank does by default. If you need the cash before maturity, Parthian Partners notes that T-bills can be sold before maturity on the over-the-counter market; the price you get depends on rates that day, so you may receive more or less than you expected. Ask GTBank whether it will buy the bill back and how it prices that.
If your amount is small
If GTBank's minimum turns out to be above what you want to invest, you are not shut out of T-bills. Parthian Partners says its i-invest app sells T-bills from ₦10,000, and some fund managers run money-market funds that hold T-bills. Our guide to T-bills under ₦100,000 compares those routes.
Where Pryme fits
Pryme does not sell treasury bills. You can send naira from Pryme to your GTBank account before the cut-off, and for money you keep in the app, Savings Boxes show their rates before you commit.
Questions people ask
What is the minimum for GTBank treasury bills?
GTBank Nigeria does not publish one on the pages we checked. Ask your account officer or GTConnect for the current minimum.
Can I buy treasury bills on the GTBank app (GTWorld)?
We found no GTBank Nigeria page describing a T-bills menu in the app. Ask GTConnect whether it is available on your account.
How do I subscribe to treasury bills in GTBank?
Contact your account officer or GTConnect, confirm the minimum, rate and cut-off, give a signed debit instruction and fund the account before the deadline.
When is the next treasury bill auction?
Auctions usually hold every two weeks on Wednesdays unless the CBN advises otherwise. Check the CBN's published calendar and ask GTBank for its internal cut-off.
Sources
- GTBank: Contact Us (live page) · accessed Oct 2026
- Nairametrics: How to bid for this week's Treasury Bills sale (2 Oct 2018) · accessed Oct 2026
- Parthian Partners: Treasury Bills in Nigeria, what they are and how they work (modified 24 Jun 2026) · accessed Oct 2026
- Stanbic IBTC: Treasury Bills FAQs (undated PDF; indicative rates shown as at 4 Aug 2023) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.