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Illustrations created by Ojibwe graphic designer Joshua Hunt
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FEATURED


Helping plan for your financial future.




DON’T JUST GET ADVICE. GET YOUR ADVICE.

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SCOTIABANK®* GOLD AMERICAN EXPRESS® CARD

Earn up to $650 in value† with the award-winning Scotiabank®* Gold American
Express® Card.


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NEW TO CANADA?

Newcomers can earn up to $1,600* in value in the first year with StartRightTM.

*Potential value in 1st year. Certain conditions and assumptions apply. 

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FINANCIAL PLANNING 101, ADVICE 1-ON-1

Planning your financial future can feel overwhelming, but you don’t have to do
it alone. A Scotia advisor can help you come up with a plan.

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ONE OPPORTUNITY CAN CHANGE IT ALL

From a team who dreams of the big leagues to an artist who wants to be an idol,
we are helping communities to bring their passions to life.

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SHAPING UP A BETTER FUTURE

How we choose to bank impacts the world around us, from local communities to our
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ACCOUNTS


Keep your finances on track with an account that gives you flexibility and
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THE ULTIMATE PACKAGE


Earn a $350 welcome bonus2 with the Ultimate Package. It’s the ultimate in
banking.

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THE PREFERRED PACKAGE


Earn a $350 welcome bonus with a new bank account.2

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THE MOMENTUMPLUS SAVINGS ACCOUNT


Take the stress out of saving with the MomentumPLUS Savings Account and reward
yourself with a great interest rate.

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SPECIAL OFFER FOR NEW SCOTIABANK ELIGIBLE MORTGAGE

Earn a $350 welcome bonus with a new Preferred Package or Ultimate Package.
Plus, pay no monthly account fees for up to a year by setting recurring payments
to a new or renewed Scotiabank eligible mortgage.

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NEW TO CANADA?

Newcomers can earn up to $1,600* in savings and bonuses with StartRightTM.

StartRight offer details



STUDENT BANKING ADVANTAGE® PLAN


A worry-free account matched for student life. 

Open your account now


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CREDIT CARDS


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SCOTIABANK PASSPORT® VISA INFINITE* CARD

Special offer:
Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus
Scene+ points and first year annual fee waived on your first supplementary
card.1

 

Annual fee: $150


Interest rates: 20.99% purchases / 22.99% cash advances

View more card details for the Scotiabank Passport Visa Infinite credit card

CASH BACK



SCOTIA MOMENTUM® VISA INFINITE* CARD

Special offer:
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in
total purchases).1 No annual fee in the first year, including on additional
cards.1

 

Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances

View more card details for the Scotia Momentum Visa Infinite credit card

Travel & lifestyle



SCOTIABANK GOLD AMERICAN EXPRESS® CARD

Special offer:
Earn up to $650* in value in the first 12 months, including up to 40,000 bonus
Scene+ points.1

 

Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances

View more card details for the Scotiabank Gold American Express Card


REWARDS



SCOTIABANK® SCENE+™ 


VISA* CARD

Special offer:
Earn up to 5,000 bonus Scene+ points within your first year.2

 

Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances

View more card details for the Scotia Scene Plus Visa credit card

Low Interest



SCOTIABANK VALUE® 
VISA* CARD

0% introductory interest rate on balance transfers for the first 6 months
(12.99% after that; annual fee $29).2 Plus no annual fee in the first year.2

 

Save up to hundreds of dollars a year on interest.

 

Annual fee: $29
Interest rates: 12.99% purchases / 12.99% cash advances

View more card details for the Scotiabank Value Visa credit card

Cash back



SCOTIA MOMENTUM® 
VISA* CARD

Get a 0% introductory interest rate on balance transfers for the first 6 months
(22.99% after that; annual fee $39).2

 

Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances

View more card details for the Scotia Momentum Visa credit card


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BORROWING


From buying your first home to renovating your current space, we have a
borrowing plan that’s right for you.




LIFE CHANGES FAST

The Scotia Total Equity® Plan (STEP) Mortgage changes with it.*

A STEP Mortgage gives you the flexibility to use the equity from your home when
you need it.

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MORTGAGE CALCULATOR

How much mortgage can you afford?

Launch mortgage calculator About Mortgage calculator



AUTO LOAN PAYMENT CALCULATOR

Looking to buy a new car? We’ll do the math for you.

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SCOTIABANK EHOME – THE ONLINE MORTGAGE HUB


Get pre-approved, search for a home, and get mortgage approval online.

Start your journey About Scotiabank eHOME – the online mortgage hub



DISCOVER HOW TO TAKE THE NEXT STEP


Find the mortgage that’s right for you.

Visit our mortgage centre About Discover how to take the next STEP



PROTECT YOUR BIGGEST INVESTMENT


Stay on track financially if the unexpected happens with optional Scotia
Mortgage Protection.

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INVESTMENTS


Reach your investment goals tomorrow while enjoying your life today.




GUARANTEED INVESTMENT CERTIFICATES (GICS)


A worry-free investment product that keeps your principal investment safe and
has a guaranteed rate of return.

Learn about GICs



REGISTERED RETIREMENT SAVINGS PLAN (RRSP)

An RRSP is a powerful tool to help grow your retirement savings and lower the
income tax you pay.


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Special offer



SAVINGS ACCELERATOR ACCOUNT

For a limited time, earn an interest rate of 5.00% on new FHSA deposits with the
Savings Accelerator Account.†

Accelerate your savings




SCOTIAFUNDS® PORTFOLIO SOLUTIONS


Our Portfolio Solutions offer a diversified mix of mutual funds in the
convenience of single investment to help you grow your savings while carefully
managing risk. Whether you are seeking regular income or long-term growth,
there’s a portfolio solution designed to help you achieve your goals.

Get started



INTRODUCING SCOTIA SMART INVESTOR VIA ADVICE+

Now you can set, change, and track your financial goals and rest easy.

Get started Go to Scotia Smart Investor page



TAX-FREE SAVINGS ACCOUNT (TFSA)

A TFSA is a great way to save for both short and long-term goals, with the
flexibility to withdraw your money at any time without penalty.1


Learn about TFSA


View all investment plans

View all investment products



LEARNING


Get investment ideas, insights, and information for managing your money.




10 STEPS TO BUILDING A POST PANDEMIC PLAN FOR YOUR FAMILY

It’s a great time to update your family’s financial plan.

Update your financial plan Get 10 tips for updating your family’s financial plan



WHAT IS A CREDIT CARD INSTALLMENT PLAN AND HOW CAN I MAKE THE MOST OF IT?

A credit card installment plan is a feature that can help you to pay for
purchases on your credit card over a fixed period.

Learn about installment plans Learn about credit card installment plans and how
to use them



4 TIPS TO HELP ORGANIZE YOUR FINANCES AND PREPARE FOR THE FUTURE

How to manage your cashflow and get ready for your goals.

Organize your finances Get 4 tips to help you organize your finances




MANAGE YOUR BUDGET FOR UNEXPECTED EXPENSES

No matter how much of a planner you are, unexpected expenses will pop up. Here’s
how to budget for them.

Budget for unexpected expenses Find out how to prepare and budget for unexpected
expenses



NEW TO DIGITAL BANKING?


Our step-by-step guides can help you start banking on your phone, tablet, or
desktop computer.

Go digital Visit our digital banking guides for step-by-step instructions and
demos to help you bank your phone, tablet, or desktop computer



HOW MUCH SHOULD I HAVE IN SAVINGS?

You want to save but what should your goal be? 

Learn more at Advice+ Get tips on how to align your savings with your goals


Go to Advice+




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