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     * Conventional vs. collateral mortgage charges
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     * Scotia Mortgage Protection insurance
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     * Recreational vehicle (RV) loan
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     * The loan or lease decision
     * Lower your overall cost of borrowing
     * Financing Your Home Renovations
     * How to choose a vehicle
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     * Save for your retirement (RRSP)
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     * Worry free with GICs
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     * Pre-authorized contributions (PAC)
     * Scotiabank Investment Specialists
     * Regulatory disclosures
     * Wealth management
     * Investment account fees
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     * TFSA calculator
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     * Money finder
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     * TurboTax
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   * Bank fees
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     * Credit card fees at a glance
     * Tips to reduce fees
     * Chequing account rates
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   * Borrowing
     * Back
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CREDIT CARD FEES AT A GLANCE




Looking for the card that's right for you?


Browse all Scotiabank credit cards

All rates, fees, and other information are subject to change. Effective as of
April 1, 2021, unless otherwise indicated. 


TRANSACTION FEES

  Current transaction fees Dishonoured payment fee $48.00 Non-sufficient funds
fee $48.00 Replacement sales draft, cash advance draft or monthly statement fee
$5.00 Overlimit fee $29.00 Foreign currency conversion1 2.5% Balance transfer
fee (for transfers to Scotiabank accounts or to non-financial institutions)
$5.00 Cash advance counter fee (any financial institution in Canada) $5.00 Cash
advance counter fee (financial institutions outside of Canada) $7.50 Cash
advance fee (including cash-like transactions)2 $5.00 Scotia Credit Card Cheque
fee $5.00 Promotional low rate fee3
3% of each transaction amount (min. fee of $5.00)
Fast Card fee4
$20.00
Credit Balance Administration fee5
The lesser of $25.00 or the amount of credit balance.



ABM FEES

  Current ABM fees Cash advance ABM fee (any Scotiabank ABM in Canada) $5.00
Cash advance ABM fee (non-Scotiabank ABMs in Canada) $5.00 Cash advance ABM fee
(ABMs outside of Canada) $7.50 Cash advance ABM fee (Global ATM Alliance Bank
ABM outside of Canada)
$5.00



Calculate your rewards


SCOTIA SELECTPAYTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card
purchases of $100 or more, with no interest rate on your plan and a low fee.§


about SelectPay Learn more


EXPLORE MORE


WHY FINDING OUT YOUR CREDIT SCORE WON’T HURT YOU

Finding out your credit score can seem daunting. We’ll walk you through what it
is, how it works, and how to improve it.

Find out your credit score



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



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.

Manage unexpected budget


CHOOSE THE CARD THAT'S RIGHT FOR YOU

Cash back credit cards



Earn cash back every time you shop.



 * Scotia Momentum® VISA Infinite
 * Scotia Momentum® VISA
   
 * Scotia Momentum No-Fee® VISA
 * Scotia Momentum® Mastercard®*
 * L'earn™ VISA



Travel & lifestyle credit cards



Get a card that rewards your lifestyle —  whether that’s travelling the world,
sporting the latest tech, or redeeming for your favourite gift cards.



 * Scotiabank Passport® Visa Infinite* Card
 * Scotiabank Gold American Express Card
   
 * Scotiabank American Express Card
 * Scotiabank Platinum American Express Card



Rewards credit cards



Turn points into rewards you actually want – from travel to gift cards to cash
back credits. 



 * Scotiabank Passport® Visa Infinite* Card
 * Scotiabank Gold American Express Card
   
 * Scotiabank American Express Card
 * Scotiabank® Scene+™ Visa* Card



No annual fee credit cards



Instead of paying that annual fee, you keep the extra cash and decide where it
goes.



 * Scotia Momentum No-Fee® VISA
 * Scotiabank® Scene+™ Visa* Card
 * Scotiabank American Express Card
   
 * Scotia Momentum® Mastercard®*



Low interest credit cards



If you typically carry a credit card balance, this card will help you save money
on interest payments. 



 * Scotiabank Value® VISA



Student credit cards



Build your credit history, collect rewards, and pay no annual fee all while
focusing on school.  



 * Scotiabank® Scene+™ Visa* Card
 * L'earn™ VISA
   



Scotiabank® U.S. Dollar VISA* Card


 

Worry-free U.S. Dollar purchases with no currency conversion fee.
(Fees charged in USD)

 

View card details





FREQUENTLY ASKED QUESTIONS




WHAT IS A CASH ADVANCE? HOW MUCH IS THE FEE FOR A CASH ADVANCE?

A Cash advance on a credit card account is a transaction where money (funds) is
either advanced or withdrawn from your credit card account.

Cash advances include:

 * When you use your card or credit card account to access money at an ABM, a
   branch, by telephone, online or through a mobile device.
 * A balance transfer
 * A Scotia credit card cheque
 * Cash-like transactions (which are transactions that are similar to cash or
   convertible into cash (monetary transactions) and includes wire transfers,
   foreign currency, traveller cheques, money orders, and gaming transactions
   (including off-track betting, racetrack wagers, gaming chips and some lottery
   tickets depending upon the type of credit card you have).
 * Using a telephone or online banking to pay bills or transfer funds from your
   credit account.

Fees for cash advances vary. Your cash advance fees are disclosed on the
disclosure statement you received with your card. View the current fees listed
above.




HOW CAN YOU GET A CASH ADVANCE ON A CREDIT CARD? HOW IS INTEREST CHARGED ON A
CASH ADVANCE?

You can get a cash advance when you use your credit card account (including
using your card) to access money from your credit card account through an ABM,
at a Scotiabank branch, by telephone, online or through a mobile device, or by
using a Scotia credit card cheque.

A balance transfer is also considered a cash advance. A balance transfer is a
transaction where funds (money) from one credit card account are transferred, at
your request, to pay a balance on another credit account.

At Scotiabank, we will not allow you to use a balance transfer offer to pay
another Scotiabank credit product including another Scotiabank credit card or
Scotiabank line of credit account. If we offer you a balance transfer offer, you
can request us to transfer funds from another credit product you have at another
financial institution to your Scotiabank credit card account. 

Note: While you can’t use a balance transfer offer to pay another Scotiabank
credit product, you can transfer funds as a cash advance and a cash advance fee
may apply.

There is no interest-free grace period on cash advances (including on any fees
that apply to them). Interest is charged from the transaction date until we
receive your payment in full.

The annual interest rate on cash advances on your credit card account will apply
to any cash advances (including balance transfers, cash-like transactions and
Scotia credit card cheques) and on any fees that apply to them. 

The annual interest rate on cash advances is disclosed on the disclosure
statement for your credit card account. Alternatively, you can visit our credit
card interest rates page for current interest rates for all our products. 




HOW MUCH IS THE FOREIGN CURRENCY CONVERSION FEE ON A CREDIT CARD?

When a foreign currency transaction is converted on your account, in addition to
the exchange rate, you may be charged a foreign currency conversion fee for each
transaction. 

See the current foreign currency conversion mark-up rates above in the
transaction fees table (in most cases, currently equal to 2.5%). This foreign
currency conversion fee does not apply to select credit card products (only the
exchange rate applies).

Please review your credit agreement and the disclosure statement for your credit
card account for more information about foreign currency transactions and what
foreign currency conversion fee (if any) is applicable to your credit card.    




CAN I TRANSFER MONEY FROM MY SCOTIABANK CREDIT CARD TO MY BANK ACCOUNT AT
ANOTHER FINANCIAL INSTITUTION OR TO MY BANK ACCOUNT AT SCOTIABANK?

You can transfer money from your credit card to your bank account (whether it is
at another financial institution or at Scotiabank)† and this would be considered
a cash advance and a cash advance fee will apply. Remember in doing so, interest
is being charged immediately on the amount of the cash advance from the
transaction date until you pay it back in full. 

Therefore, you should carefully consider this before using this option.




WHAT IS THE CREDIT LIMIT ON MY ACCOUNT? WHAT IS THE AVAILABLE CREDIT ON MY
CREDIT CARD?

The credit limit is the maximum amount you can borrow under a credit card
account that is set by your card issuer. The credit limit is disclosed on your
disclosure statement and then on your statements for your credit card account. 

Your available credit is the difference between the credit limit for your credit
card account and the outstanding amount owing on your credit card account.

At Scotiabank, the available credit on your statement is calculated at the time
your statement is issued (on the last day of the statement period shown on that
statement) and may not yet include all transactions on your credit account
including credits, payments, fees, charges, interest, or other transactions that
have not yet posted to your credit account.

You can view your credit limit and available credit either through the Scotia
mobile app, online banking, or on your paper statement.

App

To view your credit limit for your credit card account:

 1. From the Home screen, tap your credit card account
 2. Tap Manage
 3. Credit limit amount will show up under Details section

To view your available credit for your credit card account:

 1. From the Home screen, tap your credit card account
 2. Available credit will show up towards the top of the screen

Web

To view your credit limit and available credit for your credit card account:




WHAT DOES IT MEAN IF I AM OVERLIMIT?

Your credit card account is “overlimit” if the amount owing on your credit card
account exceeds the credit limit. Your credit card account is considered
“overlimit” on the day there is an amount on your credit card account owing that
exceeds the credit limit. Fees may be applicable if your account is overlimit.




WHAT HAPPENS IF I GO OVERLIMIT?

Going over your credit card limit may result in further transactions on your
credit card account being declined.

If we allow you to exceed your credit limit (overlimit), you are still liable to
pay what you owe on your statement, including the amount that exceeds your
credit limit (the “overlimit amount”), and any applicable interest on that
amount. Fees may be charged if you are overlimit.

You can set up Scotia Alerts on your credit card account to help monitor and
flag any activity on your account(s). Balance alerts are email or app
notifications you receive when your available credit falls below a specified
amount.

Credit card customers with a valid email address (in our records) are
automatically enrolled in Scotia Alerts where they will be notified when the
available credit on their credit card account drops below a specified amount and
as a result, they may exceed the limit on their account (and go overlimit). This
is one way to help you stay on top of your accounts and keep track of your
finances more easily. For more information, please visit the Balance Alerts
page.




HOW CAN I INCREASE MY CREDIT LIMIT?

You can request a credit limit increase through the Scotia mobile app or online
banking.

App

To apply for an increase to your credit limit:

 1.  From the app’s Home screen, select your credit card account
 2. Tap Manage
 3. Tap Increase credit limit and follow the instructions

Web

To apply for an increase to your credit limit:

 1.  From your Accounts page, select your credit card account
 2. Select Additional Services
 3. Select Increase your Credit Card or Line of Credit limit and follow the
    instructions

Alternatively, you can also request an increase to your credit limit by calling
1-800-367-6466 or in person at your Scotiabank branch.

Note: Credit limit increases are subject to credit approval.





PREFER TO TALK TO US?



By Phone

Call Scotiabank

1 (888) 882-8958 tel:18888828958


In Person

Make an appointment at your local branch

Find a local branch Branck locator link


View legal footnotes


Note: All information is effective as of April 1, 2021, unless otherwise
indicated and subject to change. All fees, rates and charges are charged on the
account on the date the transaction occurs, unless otherwise noted.

 

For information on current interest rates, fees and other charges, call
1-888-882-8958.

 

1
A foreign currency conversion fee of 2.5% of the converted amount, applied to
both debit and credit transactions. This does not apply to the following cards:
Scotiabank Passport™ Visa Infinite*, Scotiabank Gold American Express and
Scotiabank Platinum American Express, for which there is no foreign currency
conversion fee (only the exchange rate applies). In all cases, see your
disclosure statement for your card and the credit agreement that applies for
more information about foreign currency conversion.    

2

This Cash Advance fee applies to all cash advances including cash-like
transactions.  Cash-like transactions are transactions that are similar to cash
or convertible into cash (monetary transactions) and include but are not limited
to, wire transfers, foreign currency, travellers cheques, money orders, remote
stored value, gaming chips and some lottery tickets. American Express Cards are
not presently accepted for the purchase of lottery tickets or gaming chips. 
Cash advances include balance transfers and Scotia Credit Card Cheques, but
different fees applies to those transactions as shown above.

3
Promotional low rate fee: 3.00% (unless waived or reduced by us in the offer) of
the amount of each transaction under a promotional low rate offer made to you
(minimum fee of $5.00). A promotional rate means the rate is lower than your
preferred annual interest rates. Promotional low rate offers may apply to cash
advances, balance transfers or Scotia Credit Card Cheques and cash-like
transactions.  The exact promotional low rate fee will be disclosed to you at
the time the offer is made.
4

Charged when a replacement Scotia Momentum Mastercard is sent by courier at
Cardholder’s request.


5

The lesser of $25.00 or the amount of credit balance. This fee will apply if
there is inactive credit balance(s) for a period of at least 12 months on the
Scotia Momentum Mastercard and will be assessed annually thereafter. Fee is
applied on the day after the 12 months of inactivity.


®

Registered trademark of The Bank of Nova Scotia


™

Trademark of The Bank of Nova Scotia.

American Express is a registered trademark of American Express. This credit card
program is issued and administered by The Bank of Nova Scotia under license from
American Express.

®*

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard
International Incorporated and used under license by The Bank of Nova Scotia.


*

Visa Int./Licensed User.

§

Scotia SelectPay Conditions apply. Review Terms and Conditions for full
details or visit scotiabank.com/selectpay to learn more.

†
Some restrictions may apply.




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