Dual Rate Investment Account
Operate your business and save surplus funds – all with a single account.
Product benefits
- Earn premium interest on the stable1 portion of the balance above $1,000,000
- High interest2 earning potential
- Invest up to $20,000,000
- Offers full liquidity and operating account functionality
- Receive interest on the fluctuating portion of the balance
- Bank quickly and conveniently online
Account details
View interest rates3, balance limits, currency and more.
| Account Features & Rates | |
|---|---|
| Currency | CAD |
| Minimum balance | $50,000 |
| Maximum account balance | $20,000,000 |
| Monthly fee | $10.95 No monthly fee with a balance of $8,000 or more |
| Stable Balance* | Interest Rates4 (effective November 01, 2025) |
| $1,000,000 - $20,000,000 | 1.75% |
| $50,000 - $999,999 | 1.65% |
| Fluctuating Balance4 | 0.75% |
The stable portion of your balance that is defined as the lowest end of day balance over the current Investment Period. The rate is applied to the entire Investment Balance within the highest applicable tier.
If your balance exceeds $20,000,000 we’ll help you choose an investment that’s better suited for your business.
Fuelling more together
Hit the road and get up to 3¢/L in value.°
When you link your ScotiaCard for business to Shell Go+.
Related services
Cashable GIC
A safe, secure investment that you can cash out anytime
Redeemable GIC
Provides liquidity and can be redeemed before maturity.
Non-Redeemable GIC
Earn more interest when you lock in your funds in this guaranteed investment.
Scotiabank ScotiaCard for business Cardholders who link their ScotiaCard for business to a Shell Go+ Account can get 3 cents per litre in instant fuel discounts when they purchase fuel with their linked ScotiaCard for business:
- Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.