October 2025 Bank of Uganda Treasury Bond Auction – What You Should Know

The Bank of Uganda has announced its next treasury bond auction for Wednesday, October 1, 2025. This auction features reopenings of 2-year, 5-year, and 15-year government bonds — giving both new and experienced investors another opportunity to earn fixed interest returns backed by the government.

Here’s everything you need to know.

Bonds on Offer – October 2025 Auction Details

The following bonds are being reopened in this auction. That means they were originally issued earlier but are now available again to raise more funds for government projects.

💡 Tip: The longer the term, the higher the interest rate — but also the longer your money stays invested.

What These Bonds Mean for You

• The 2-Year Bond is a short-term investment that offers a 14.125% return annually. Ideal for investors looking to test out treasury bonds without a long wait.

• The 5-Year Bond pays 15.500% annually and is great for medium-term goals — like building capital for a business or paying future school fees.

• The 15-Year Bond pays 15.800% per year and is a long-term choice for people saving for retirement, wealth preservation, or legacy planning.

These are all fixed-rate bonds, meaning once you invest, your interest doesn’t change — even if rates move later.

How to Invest in Treasury Bonds Through Primary Dealers (PDs)

1. Choose a Primary Dealer Bank
   Select one of the licensed banks: Absa, Centenary, Citi, DFCU, Equity, Housing Finance, Stanbic, or Standard Chartered.

2. Open an Investment Account
   If you don’t already bank with them, you may need to open an account. They’ll also help you open a CSD (Central Securities Depository) account at the Bank of Uganda in your name.

3. Place Your Bid Through the Bank
   Tell your bank how much you want to invest and in which bond maturity (2-year, 5-year, 15-year, etc.). They will submit the bid on your behalf at the auction.

4. Meet the Minimum Requirement
   The smallest investment allowed is UGX 100,000. Your PD will guide you if they set higher internal minimums.

5. Settlement
   If your bid is successful, your bank (the PD) will debit your account on settlement day (in this case, October 2, 2025) for the committed amount.

6. Earning Returns
   You’ll receive interest every 6 months directly into your bank account, and the full principal at maturity.

How to Invest in Treasury Bonds Through Level Africa

It’s now easier than ever to invest in bonds in Uganda. With Level Africa, everything is done online, securely, and in minutes.

Steps to Get Started:

1. Create an Account on Level Africa

2. Upload your National ID or Passport to complete KYC

3. Deposit money into your Level Africa wallet

4. Choose a bond from the Treasury Bonds section

5. Place your order

   • Bonds marked “Available” can be bought instantly

   • For upcoming auctions, place your order before the deadline

6. Track your returns right from your dashboard

Note: To participate in auctions, make sure your KYC is complete and your wallet is funded before the auction date. For this auction, that means before October 1, 2025. A one-time UGX 25,000 fee applies for processing your bid.

Why Investors Are Paying Attention

Treasury bonds continue to attract high demand. They are:

• Safe – Backed by the Government of Uganda

• Rewarding – Pay higher interest than most savings accounts

• Passive – Interest is paid to your wallet every 6 months

 

Final Thoughts

The October 2025 auction gives you another opportunity to grow your money with confidence. Whether you’re saving for a goal next year or planning decades ahead, there’s a bond that can work for you.

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FAQs – Treasury Bonds in Uganda

What are treasury bonds?
They are long-term loans you give to the government in exchange for fixed interest.

How often is interest paid?
Every 6 months directly to your Level Africa wallet.

What’s the minimum investment?
UGX 100,000 for non-competitive bids on Level Africa.

Is the interest taxed?
Yes. Withholding tax is 10% or 20%, depending on the bond.

Can I sell my bond before maturity?
Yes, on the secondary market — but prices may vary.

How do I know which bond to pick?
Start with your goal: short-term = 2-year, medium-term = 5-year, long-term = 15-year+