Business Banking

Bank accounts, investment products and loans for your business

To help you manage your business as smoothly as possible, we’ve got a range of business banking products to use at every stage of your business lifecycle – including bank accounts, investment products, loans and advances.

Because we have local market knowledge and are experts in the foreign exchange industry, our dedicated consultants are able to give you expert advice that’s customised to suit your particular business.


Fixed Deposit Account

Fixed Deposit Account

Starting at a minimum deposit of R10,000, select an investment term from two to twelve months with no monthly account fees. The longer the investment term, the higher the interest rate. Interest can be paid out monthly or at the end of the term to a nominated account. There is also the option to reinvest the interest for another fixed term. Pensioners over 55 qualify for preferential rates on the 12-month fixed deposit.


Fixed Deposits (R10 000 or more)
Months Payable Monthly Payable End of Term
2 Months7.17%7.30%
3 Months7.25%7.43%
4 Months7.42%7.63%
5 Months7.50%7.73%
6 Months7.65%7.90%
7 Months7.74%8.00%
8 Months7.80%8.08%
9 Months7.89%8.18%
10 Months8.12%8.43%
11 Months8.21%8.53%
12 Months8.37%8.70%
Pensioner Rate
12-month Fixed Deposit only
8.56%* 8.90%*

*The pensioner rate is applicable to customers aged 55 and older on a 12-month Fixed Deposit only.


Call Account

Call Account

Starting at a minimum deposit of R1000, have the freedom to deposit and withdraw at any time from an account that has no fixed period and no monthly account fees. There is the option to capitalise the interest and compound it or to have it paid out monthly to a nominated account. The higher the balance in the account, the higher our competitive interest rate.


Call Deposits
Interest Rates Per Annum | Payable Monthly
R1 000 – R24 9993.45%
R25 000 – R49 9995.15%
R50 000 – R99 9995.25%
R100 000 – R249 9995.35%
R250 000 - R499 9995.75%
R500 000 - R999 9995.85%

Notice Account

Notice Account

Starting at a minimum deposit of R5000, select an investment period of 41,61,91,121 days, 6, 9 or 12 months. The longer the period, the higher the interest rate. Pay no monthly fees and make additional deposits at your discretion. Make withdrawals by giving notice.


Notice Deposits (Corporates & individuals)
Notice Deposits | From R5 000 – R10 000 000
41 Day 61 Day 91 Day 121 Day
7.10% 7.20% 7.30% 7.40%

Notice Deposits (Individuals Only)
Notice Deposits | From R5 000 – R10 000 000
6 Months 9 Months 12 Months
7.60% 7.80% 8.10%

Foreign Currency Account

Foreign Currency Account

The Foreign Currency Account is the simplest way to invest directly in foreign currencies from a local account. This includes currencies such as US Dollars, British Pounds, Euros, and Australian Dollars. The minimum investment is R10 000 up to the R1 million Single Discretionary Allowance or R10 million Foreign Investment Allowance or per calendar year. We can also assist with the necessary tax clearance for an additional fee. The Foreign Currency Account is available to South Africans living in South Africa or living temporarily abroad and also to non-residents.


Customer Foreign Currency (CFC) and Foreign Currency (FCA) Accounts
USD EUR GBP AUD
1.35% 0.00% 0.60% 1.00%

Corporate Payment Card Solution

Easy payments with a pre-funded solution for daily staff-related expenses


Loans and Advances

Business loans at competitive rates structured to suit the needs of your business

Compare Business Banking Accounts

Which banking account is right for your business?  

  TYPE MAIN BENEFIT AND USES WHAT MAKES IT UNIQUE BEST SUITED FOR
Bidvest Bank Business Account Transactional account Conduct all your day-to-day business banking in one place, from debit order setups to foreign payments Highly personalised service from a business banker who understands your unique business needs. Any small to medium sized business.
Call Account Investment/Settlement account Transact while earning competitive interest rates. Earn interest while having immediate access to your money.   Any business with extra funds to invest* but that also needs quick access to those funds. Transact while investing your money and earning interest.
Notice Account Notice deposit investment. Choose an investment period from as little as 41 days up to 121 days. More flexible than a Fixed Deposit Account because you can make additional deposits and partial withdrawals during the term. Any business with extra funds** to invest for a fixed term, but want the flexibility to transfer additional funds as well as withdraw funds in emergencies.
Fixed Deposit Account Fixed deposit investment. Choose an investment period from 2 – 12 months. Greater certainty in your investment. Helps you invest as your funds are locked in for a fixed period. Any business with extra funds*** that they won’t need access to for a certain period of time. Funds are locked in for an agreed period of time.
Customer Foreign Currency Account Settlement account Gives you the ability to receive payments or pay overseas suppliers in foreign currency. Makes paying or receiving money from overseas suppliers easy. No need to exchange foreign currency back into rands. Businesses that need to make regular foreign currency transactions (such as importers and/or exporters).

* Minimum deposit R1,000

** Minimum deposit R5,000

*** Minimum deposit R10,000


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