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* Conventional vs. collateral mortgage charges
* Products
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* Scotia Total Equity® Plan (STEP)
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Scotiabank stands in solidarity with the people of Ukraine and is committed to
helping support those impacted by this humanitarian crisis.
Learn more about how you can help.
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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.
Scotia Total Equity Plan Learn more
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* Borrowing
* Investments
* Learning
Featured Accounts Credit cards Borrowing Investments Learning
FEATURED
Planning for what’s next in your financial future.
New rewards
DO IT ALL WITH SCENE+ AND SCOTIABANK
Get rewards for travel, shopping, dining, entertainment, and banking. Earn and
redeem points faster with eligible Scotiabank payment cards.
Earn more with Scene+
WORRIED ABOUT INTEREST RATES, INFLATION AND MARKET VOLATILITY?
Here’s what you need to know about the Bank of Canada interest rate hike and
what it might mean for you.
Learn more About the Bank of Canada rate change
A WORD OF ADVICE
Don’t settle for one-size-fits-all, cookie cutter, "trust us we know it all"
advice. Get advice that’s tailored to you with ScotiaAdvice+.
See the difference
SWITCH TO ESTATEMENTS
Switch to eStatements and we’ll turn it into a $250,000 donation to Nature
Canada to help protect our environment.
Switch now to eStatements
MAKE MONEY WHILE YOU WAIT
With a MomentumPLUS Savings Account, the longer you wait, the higher your
savings rate. Open yours today and earn up to 2.20%*.
Start saving now
BIG WINS FOR CREDIT CARDS
Earn more from your everyday purchases with our award-winning suite of credit
cards.
Explore our winning cards
ACCOUNTS
Keep your finances on track with an account that gives you flexibility and
control over your money.
THE ULTIMATE PACKAGE
Earn a $300* welcome bonus with the Ultimate Package. It’s the ultimate in
banking.
Open your account now About The Scotiabank Ultimate Package
THE PREFERRED PACKAGE
Earn a $300 welcome bonus with a new bank account2
Open your account now About The Preferred Package
MAKE MONEY WHILE YOU WAIT
With a MomentumPLUS Savings Account, the longer you wait, the higher your
savings rate. Open yours today and earn up to 2.20%*.
Start saving now About the Momentum Plus Savings Account
SEND MONEY INTERNATIONALLY
It’s more than money. It’s being there when you can’t actually be there.
Two simple ways to send money:
* Direct-to-bank deposit
* Cash pick-up
Send money With VISA Debit
SPECIAL OFFER
WELCOME TO A FRESH START WHERE IT’S ALL POSSIBLE
The Scotiabank StartRight® Program is designed for newcomers just like you.
Start with up to $1,250 in savings and bonuses.1
StartRight offer details
STUDENT BANKING ADVANTAGE® PLAN
A worry-free account matched for student life. Earn a $60 welcome bonus.1
Open your account now
CREDIT CARDS
Browse all the Scotia cards so you can choose the one that’s right for you.
Low Interest
SCOTIABANK VALUE®
VISA* CARD
0.99% introductory interest rate on balance transfers for the first 6 months
(12.99% after that; annual fee $29).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
Travel & Lifestyle
SCOTIABANK GOLD AMERICAN EXPRESS® CARD
Special offer:
Earn up to 45,000 bonus Scene+™ points in your first year (that’s up
to $450 towards travel).1
Annual fee: $120
Interest rates: 19.99% purchases / 22.99% cash advances
View more card details for the Scotiabank Gold American Express 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 supplementary
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
TURN CREDIT CARD PURCHASES INTO BITE-SIZED PAYMENTS WITH SCOTIA SELECTPAYTM
A new, flexible way to pay off your eligible Scotiabank Visa* credit card
purchases of $100 or more with no interest rate and a low fee.1
Learn more about SelectPay
Travel & Lifestyle
SCOTIABANK PASSPORT™ VISA INFINITE* CARD
Special offer:
Earn up to 35,000 bonus Scene+™ points in your first year (that’s up
to $350 towards travel).‡
Annual fee: $139
Interest rates: 19.99% purchases / 22.99% cash advances
View more card details for the Scotiabank Passport Visa Infinite credit card
Cash back
SCOTIA MOMENTUM®
VISA* CARD
Get a 2.99% 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
Go to All credit cards page Browse all credit cards
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.
Learn more about STEP
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.
Launch auto loan calculator
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.
Get started About Protect your biggest investment
INVESTMENTS
Reach your investment goals tomorrow while enjoying your life today.
SAVINGS ACCELERATOR ACCOUNT
Earn a competitive interest rate on your money as it grows, with no monthly
account fee. Available in registered2 and non-registered plans.
Accelerate your savings about the offer for Savings Accelerator Account
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
REGISTERED RETIREMENT SAVINGS PLAN (RRSP)
An RRSP is a powerful tool to help grow your retirement savings and lower the
income tax you pay.
Learn about RRSP
THE SCOTIA ARIA® RETIREMENT PROGRAM
The only retirement program of its kind in Canada, with a customized investment
approach designed for your stage in life. A $500 investment is all it takes to
get started.
Start saving for retirement with Scotia Aria Retirement Program
SCOTIABANK INVESTMENT SPECIALISTS
Not sure if you're on track to meet your financial goals? Start with a
complimentary financial review.
Get started on complimentary financial review
INTRODUCING SCOTIA LOW CARBON FUNDS
* Scotia Low Carbon Canadian Fixed Income Fund
* Scotia Low Carbon Global Balanced Fund
* Scotia Low Carbon Global Equity Fund
Discover Low Carbon Funds
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 baking 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+
LOCATE BRANCHES, ADVISORS, AND ABMS
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Canada.
Find your nearest branch
Scotiabank is a member of Canada Deposit Insurance Corporation (CDIC)
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