- Monthly account fee
- $10.95 /month
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No monthly fee1 with a minimum daily balance of $8,000 or over.
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Account details
| Currency | CAD |
| Minimum balance | $50,000 |
| Maximum account balance | $20,000,000 |
Interest rates3
| Stable Balance* | Interest Rates4 (effective Nov. 01, 2025) |
|---|---|
| $1,000,000 – $20,000,000 | 1.75% |
| $50,000 - $999,999 | 1.65% |
| Fluctuating Balance** | 0.75% |
*The stable portion of your balance 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 to your business.
** The Fluctuating Balance is the portion of the balance, above the Investment Balance, that may change during the month. The Fluctuating Balance equals the average monthly balance less the Investment Balance4. Interest is calculated on the applicable Fluctuating Balance portion at a lower rate that is published by the Bank from time to time. Visit Scotiabank.com for daily rates.
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Minimum monthly balance is the minimum balance that you need to maintain in your account throughout the month of your investment period in order to obtain the relevant benefit. The amount of the minimum balance for each account and benefit can be found in Your Guide to Fees and Interest Schedules.
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For complete interest rate details please see Dual Rate Investment Account rates.
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Please see Your Guide to Fees and Interest Schedules for details.
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Rates are subject to change without notice.
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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.