Business Investment Account

A convenient investment solution that lets you put your surplus cash to work while keeping it accessible at all times.

Make an appointment
Or call us at 1-844-394-4494, Monday to Friday, 8 a.m. to 8 p.m. (ET).
Photo of an optometrist in their store learning about the National Bank Business Investment Account
Photo of an optometrist in their store learning about the National Bank Business Investment Account

Enjoy some of the best interest rates on the market 

CAD rates 

Balance Annual interest rate1 Rate bonus2 Total interest rate
0 - $19,999.99 1.20% 0.05% 1.25%
$20,000 - $99,999.99 1.45% 0.05% 1.50%
100,000 - $249,999.99 1.65% 0.05% 1.70%
$250,000 - $499,999.99 1.65% 0.05% 1.70%
$500,000 - $1,999,999.99 1.90% 0.05% 1.95%
$2,000,000 - $4,999,999.99 2.15% 0.05% 2.20%
$5,000,000 - $9,999,999.99 2.55% 0.05% 2.60%
$10,000,000 and over 2.60% 0.05% 2.65%

USD rates

USD promotional rate offer

Earn a 0.75% increase on the annual interest rate for deposits made by July 2, 2026, up to $1,999,999.99.

Balance Annual interest rate1 Rate bonus2 Total interest rate
0 - $19,999.99 0.95% 0.05% 1.00%
$20,000 - $99,999.99 0.95% 0.05% 1.00%
$100,000 - $249,999.99 1.60% 0.05% 1.65%
$250,000 - $499,999.99 1.80% 0.05% 1.85%
$500,000 - $1,999,999.99 2.30% 0.05% 2.35%
$2,000,000 - $4,999,999.99 2.50% 0.05% 2.55%
$5,000,000 - $9,999,999.99 2.50% 0.05% 2.55%
$10,000,000 and over 2.55% 0.05% 2.60%

The interest, to which a rate bonus 3 is added, is calculated daily on the closing balance. This interest will be paid to the account monthly on the last day of the month.

 

Put your surplus cash to work

Do you want to earn interest on your surplus cash while still being able to respond quickly to business opportunities or financial obligations? Our Business Investment Account (BIA) lets you access your funds whenever you want.

  • The BIA is a transfer account available in CAD and USD.
  • Only transfers can be carried out using this account, so a business current account4  in the same currency at National Bank is also required.
  • Complete your transfers online, at a branch, or with our automated telephone service.5

Transaction fees (in CAD or USD depending on the currency of the account) 

Digital inter-account transfers

Credits and debits: Free

Assisted inter-account transfers6

Credits: Free

Debits: $5/transfer

Protect your business from overdrafts

By linking your CAD current account to your CAD Investment Account for Businesses, you receive overdraft protection free of charge.7
 

Contact us at 1-844-394-4494, Monday to Friday, 8 a.m. to 8 p.m. (ET).

Helpful services 

Do you have clients in the United States?

You've worked hard to build good supplier relationships.

Looking for an investment that guarantees your principal?

Let’s talk about your projects 

Tell us more about you

Our team prides itself on finding solutions to help make your business goals a reality.

Call us

Need assistance? We’re available Monday to Friday from 7 a.m. to 8 p.m. (ET).

Have any questions?

Browse our Help centre for quick answers to your questions.

Little details that matter

Promotion period: 

From April 1, 2026, to July 2, 2026.

 

Eligible account for the promotion:

U.S. dollar Business Investment Account (BIA) held at National Bank. Accounts opened either before or during the promotional period are eligible.

 

Promotional rate offered: 

Benefit from a 0.75% annual interest rate increase on deposits made into your eligible account during the promotional period, up to a maximum of $1,999,999.99. 

 

The standard interest rate will apply to amounts deposited during the promotional period exceeding $1,999,999.99, as well as to funds already in the account before the promotion began.

 

After the promotional period, all funds in the account will revert to the standard interest rate without the promotional increase.

 

If applicable, a withdrawal made from the eligible account during the promotion period will be deducted from the eligible promotional rate amount deposited during the promotion. 

 

Deposits eligible for the promotion: 

Deposits from an amount held in the client's business current account in the same currency at National Bank. 

 

Illustrative example: 

(Hypothetical rates as of April 1, 2026)

An existing client with a balance of $10,000 in the eligible account before the start of the promotion makes a deposit of $5,000 on April 1, 2026. If the client maintains this balance, they will benefit from an annual interest rate* of 0.95% + the promotional increase of 0.75% = 1.70% on their new deposit of $5,000 during the promotional period. They will benefit from the annual interest rate* of 0.95% on the $10,000 in the account before the start of the promotion, as well as the annual interest rate bonus of 0.05% calculated on the minimum monthly balance maintained in the account during the month.

 

Additional conditions: 

Holding a business current account in the same currency at National Bank is required to benefit from the promotion, as only transfer transactions are available for the Business Investment Account. 

 

Closing the current account will result in the automatic closure of the Business Investment Account without further notice.

 

Unless otherwise indicated, the promotion cannot be combined with any other benefit, offer or promotion.

 

The promotion may be modified or withdrawn without notice. 

 

*This is an assumption because annual interest rates may vary. The Business Investment Account operates by tier and rates are posted on this webpage. 

1. Annual interest rate calculated daily. Rates are subject to change without notice.
 

2. Rate bonus calculated on the minimum monthly balance. Rates are subject to change without notice.
 

3. The rate bonus depends on the account's minimum balance for the month. The bonus is calculated using the number of days in the month and the balance tiers and rates presented in the above table. The more funds you have, the higher your return, since the interest and the rate bonus are tied to your account balance. What’s more, your funds remain accessible at all times.
 

4. The closure of this same current account will result in the closure of the BIA without further notice.
 

5. Our automated telephone service is only available for the CAD currency. 
 

6. Assisted transactions are those performed at a counter in branch, with a representative over the phone or through our automated telephone service.
 

7. Overdraft protection applies to Canadian dollar accounts only. Overdraft protection does not cover overdrafts caused by electronic funds transfers (EFTs). There must be sufficient funds in the account for a company to complete EFTs.