High Interest Savings Account 

Saving made easy

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0.65% interest1

paid monthly

Risk-free saving

available at all times

Free unlimited funds transfers2

between your National Bank ® accounts

No fixed
monthly fees5

A savings account, available to everyone

earn from the first dollar

Earn interest from the first dollar invested

You will earn interest no matter how much money you have in your account. That means your savings will start growing right away!

access your funds

Easily access your funds

You can access your savings at any time. With your online bank, transferring funds between your accounts* is fast and easy.

emergency fund

A handy emergency fund

Your savings provide a financial cushion against the unexpected. If needed, you can withdraw funds to face emergencies.

Good to know

Try to avoid using your High Interest Savings Account for your everyday purchases – such as paying bills – since fees may apply to the savings account. Instead, transfer funds to your chequing account and use that to complete the transactions. 

3 ways to grow your liquid assets

Saving and investing play different but complementary roles. Saving helps you have funds on hand for any unexpected situation, while investing can help grow your wealth. Together, they form a balanced foundation for moving towards your financial goals with confidence.

Savings account

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High Interest Savings Account

Ideal for creating a financial cushion that can be accessed immediately.

  • Funds accessible at all times**

  • The funds saved are non-registered.

  • Returns of 0.65%

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Investment product

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Cash Advantage Solution

Ideal for benefiting from increasing rate tiers.

  • Funds accessible at all times**

  • The funds held can be invested in an RRSP, TFSA, FHSA or a non-registered account.

  • Returns PROMO - 3% rate until February 28, 2027

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Investment product

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Guaranteed Investment Certificate (GIC)

Ideal if you want to know the returns on your investment from the start.

  • Funds accessible depending on the type and term of the GIC chosen**

  • The funds held can be invested in an RRSP, TFSA, FHSA or a non-registered account.

  • Returns between 0.10% and 4.00%

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Our tips for saving

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Ready to open a savings account?

Open an account online today.

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1-888-270-3941

Monday to Thursday,
8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)

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Make an appointment

Little details that matter

*Service charges

  • Interac ® e-Transfers: $1.25
  • Bill payments at the counter:3 $2
  • eStatements: Free
  • Paper statements: $3.50
  • Free online fund transfers between your National Bank accounts2
  • ABM withdrawals: One free withdrawal per month
  • All other debit transactions:4 $5

For more information on fees for National Bank's products and services, consult the Fees – Your Guide to Personal Banking Solutions pamphlet.

  1. Interest is calculated at the end of each day on the total daily balance. It will be paid monthly. The annual rate is variable and subject to change without notice. See current rates
  2. Free funds transfers can be carried out via National Bank online, the National Bank app or our Telephone Banking Solutions.
    Certain features are not available on the National Bank app.
    Certain browser versions are required to access National Bank online.
    For more information on our online banking services, visit our Fraud prevention page.
  3. Teller-assisted transactions are carried out at National Bank branches during regular business hours. They include bill payments, deposits, withdrawals, funds transfers, foreign exchange transactions and issuing drafts. 
  4. Debit transactions are carried out using your debit card at National Bank ABMs or ABMs in an affiliated network. These transactions include withdrawals, deposits, balance inquiries (account, line of credit or credit card), transaction history requests (deposits and withdrawals), fund transfers and bill payments. Additional fees are charged for using the Interac ® and CIRRUS® networks. No additional fees are charged for using THE EXCHANGE® ABM network.
  5. Savings accounts are designed to put money aside for the future. Using one for your everyday transactions may cause you to incur certain fees. To avoid paying fees on your High Interest Savings Account, transfer funds to your chequing account and use that to complete the transactions.

® Interac is a registered trade-mark of Interac Corp. Used under licence.
® CIRRUS is a registered trademark of Mastercard International Inc. Authorized user: National Bank of Canada
®THE EXCHANGE is a registered trademark of Fiserv Inc.
® NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.
Deposits in a High Interest Savings Account are covered by the Canada Deposit Insurance Corporation (CDIC). Find out more about the coverage offered by CDIC.

**Fees may apply for withdrawals or transfers of funds related to a registered plan or a non-registered account. Consult the Fee Guide for details.

High Interest Savings Account

Interest is calculated at the end of each day on the total daily balance. It will be paid monthly. The annual rate is variable and subject to change without notice. Consult the current rates.

Cash Advantage Solution

Interest is calculated on the total daily balance at the end of each day, using the interest rate of the corresponding tier. Interest is compounded and paid monthly on the last day of the month. If the last day of the month is not a business day, interest will be paid on the following business day. The interest rate is annual and varies according to which of the 5 tiers your Cash Advantage Solution daily balance falls. The minimum investment required is $1 CAD.

Here are the 5 tiers:

Total deposit
$1 - $9,999.99
$10,000 - $49,999.99
$50,000 – $99,999.99
$100,000 – $499,999.99
$500,000 and over

Guaranteed Investment Certificate (GIC)

Interest is calculated on an annual basis.

Here’s how to open a joint account:

1. Make an appointment

Schedule an appointment online, either in person at any branch or by video call. Specify the type of account you’d like to open in the Additional Details section. Add the name(s) of anyone accompanying you in the Additional Attendees section.

2. Prepare your documents

Ensure everyone at your appointment has the appropriate identification documents indicated in the appointment confirmation.

3. Choose your account

Chequing account

Receive your income directly into this account and carry out your daily transactions: purchases, withdrawals, deposits, bill payments, transfers between accounts, sending money, and more. This account provides each co-owner with a debit card.

Savings account

Use your savings account to put money aside for a specific goal, like an upcoming vacation, or to ensure you have an emergency fund in case the unexpected happens, for example you lose your job. With this type of account, you'll earn interest on your savings and have easy access to your money.

Rights and obligations

During your appointment with your advisor, you can discuss the main rights and obligations of each joint account holder.

If you’d like to find out more, read our article on the pros and cons of a joint account.

Member of Canada Deposit Insurance Corporation (CDIC)