Auction · Fees & Charges

Fees & Charges

Treasury Bill investing may involve fees depending on the intermediary you use. Understanding these costs helps you estimate your actual return before investing.

4 min readBeginner guideAuction guide

Common types of fees

Brokerage fee

The fee charged by your intermediary for processing your investment. It may vary depending on:

The intermediary
Investment amount
Service structure

Under the ESX fee schedule, the maximum brokerage fee on a Treasury Bill is 0.1%, alongside a 0.021% transaction fee that ESX members and trading participants collect and transfer.

Transaction & processing charges

You'll be charged bank transaction fees depending on your banking arrangement. Interbank transactions may cost more.

Settlement-related costs

Certain settlement or transfer-related costs may apply, depending on the intermediary and market infrastructure arrangements.

Why fees matter

Fees reduce your final return. For example, on a 100,000 face-value 91-day bill at 12%, the discounted amount is about ETB 97,095.13, and a 0.1% brokerage fee is about ETB 97.10:

Discounted amount
97,095.13
Fee (0.1%)
97.10
Net earnings reduced by
ETB 97.10

Estimate your costs with the calculator

See your net return before you bid

The T-Bill Calculator lets you estimate:

Expected returnsInvestment costsBrokerage fee impactMaturity value
Open the T-Bill Calculator →

Questions to ask your intermediary

Before participating, consider asking:

What brokerage fee will apply?
Are there additional charges?
When is the fee deducted?

Good to know

Treasury Bill returns in Ethiopia are fully exempt from income tax.

However, brokerage or transaction-related fees may still apply, so factor those into your net return.

Things to consider

Lower fees improve net returns

Fee differences can affect your final earnings.

Fee structures may differ

It can be useful to compare pricing and service quality across intermediaries.

Cheapest is not always best

Support quality, reliability, and transaction experience may also matter.

Costs understood? Here's what happens next.
Settlement & Allocation
Check your understanding

Take a quick quiz on what you just read.