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* Regulatory information
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* Simpler ways to save
* Chequing easy switch guide
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* Card types
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* Mortgage renewal
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* Renovations
* Understanding mortgage prepayments and charges
* Conventional vs. collateral mortgage charges
* Products
* Back
* Scotiabank eHOME
* Scotia Total Equity® Plan (STEP)
* Fixed rate mortgages
* Variable rate mortgages
* Switch to Scotiabank program
* Mortgage offers and special programs
* Second home mortgages
* Scotia Mortgage Protection insurance
* Resources
* Back
* Mortgage articles
* Mortgage glossary
* Mortgage Tools
* Manage your mortgage online
* Solicitor / Notary
* Mortgage videos
* Mortgage rates
* Loans & Lines of Credit
* Back to main menu
* View All
* Loans
* Back
* Scotia Plan® Loan
* Auto loans
* Grad auto loans
* StartRight auto finance program
* Marine & boat loans
* Motorcycle & leisure vehicle loans
* Recreational vehicle (RV) loan
* Lines of Credit
* Back
* ScotiaLine® Personal Line of Credit
* ScotiaLine® Personal Line of Credit (STEP)
* ScotiaLine® Personal Line of Credit for students
* Scotia RSP catch-up line of credit
* TOOLS
* Back
* Auto loan payment calculator
* Personal loan calculator
* Borrowing Basics
* Back
* Building a good credit history
* The loan or lease decision
* Lower your overall cost of borrowing
* Financing Your Home Renovations
* How to choose a vehicle
* Investments
* Back to main menu
* View All
* plans and products
* Back
* Grow your money tax-free (TFSA)
* Save for your retirement (RRSP)
* Save for a disabled loved one (RDSP)
* Worry free with GICs
* Scotia Exchange Traded Funds (ETFs)
* Invest with Mutual Funds
* get started
* Back
* Plans
* Products
* Direct Investing
* Talk to a Scotia advisor
* resources
* Back
* Investing basics
* Pre-authorized contributions (PAC)
* Scotiabank Investment Specialists
* Regulatory disclosures
* Wealth management
* Investment account fees
* tools
* Back
* Retirement savings calculator
* TFSA calculator
* Scotia iTRADE sustainable investing
* Money finder
* Insurance
* Back to main menu
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* Creditor Insurance
* Back
* Scotia Mortgage Protection insurance
* Scotia Line of Credit Protection insurance
* Scotia Credit Card Protection insurance
* Scotia Plan Loan Life & Disability Protection insurance
* Scotia Business Loan Protection insurance
* Scotia Loan Protection insurance
* Travel Insurance
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* Travel insurance
* Programs
* Back to main menu
* View All
* Programs & Services
* Back
* Scene+
* Indigenous Peoples
* Bank The Rest® savings program
* hockey for all
* Specialty Services
* Back
* StartRight program for Newcomers
* Seniors Resource Centre
* Finance for students
* Offers
* Back
* Credit bureau reports
* TurboTax
* Rates & Fees
* Back to main menu
* View All
* Bank fees
* Back
* Bank account fees at a glance
* Credit card fees at a glance
* Tips to reduce fees
* Chequing account rates
* Investment account fees
* Borrowing
* Back
* Credit card interest rates
* Mortgage rates
* Saving & Investing
* Back
* Savings account interest rates
* GIC rates
* Mutual funds prices
* Registered plan interest rates
* Currency
* Back
* Foreign exchange rates
* Foreign exchange services
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THE BEST JUST GOT BETTER
We've made some exciting changes to our lineup of Scotiabank American Express®
Credit Cards. Find out which one is right for you.
Learn more about the cards
* Featured
* Accounts
* Credit cards
* Borrowing
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* Learning
Featured Accounts Credit cards Borrowing Investments Learning
FEATURED
Planning for what’s next in your financial future.
"WHEN WILL INFLATION STOP INFLATING?"
Let's talk about it, so you can feel more confident about it.
ScotiaAdvice+ Centre
WE’VE LAUNCHED A $30,000 STUDENT SCHOLARSHIP CONTEST.
Are you a student? Enter for a chance to win*.
*No purchase necessary. Conditions apply.
Learn more about the Student Scholarship Contest
NEW REWARDS
SCENE+ IS ADDING FRESH NEW REWARDS!
Get ready for more ways to earn and redeem Scene+TM points. Grocery is joining
Scene+.
More details
NEW
SCOTIA ITRADE® APP
Try the new, easy, and intuitive Scotia iTRADE app. New clients get 25 free
mobile trades*.
Learn more about the app Learn more about the Scotia iTRADE App
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
How to send money intenationally
SAVE MORE THAN JUST MEMORIES IN YOUR NEW COUNTRY.
Newcomers can earn up to $1,400* in savings and bonuses with StartRight®.*
StartRight offer details
ACCOUNTS
Keep your finances on track with an account that gives you flexibility and
control over your money.
THE ULTIMATE PACKAGE
Earn a $3002 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 4.25%*.
Start saving now About the Momentum Plus Savings Account
SPECIAL OFFER FOR NEW SCOTIABANK ELIGIBLE MORTGAGE
Earn a $300 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 Scotiabank eligible mortgage.
Get offer
SAVE MORE THAN JUST MEMORIES IN YOUR NEW COUNTRY.
Newcomers can earn up to $1,400* in savings and bonuses with StartRight®.*
StartRight offer details
STUDENT BANKING ADVANTAGE® PLAN
A worry-free account matched for student life. Earn a $75 welcome bonus.5
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% introductory interest rate on Cash Advances 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
Travel & lifestyle
SCOTIABANK GOLD AMERICAN EXPRESS® CARD
Special offer:
Earn up to 40,000 bonus Scene+™ points in your first year (that’s up
to $400 towards travel) and first year annual fee waived.1
Annual fee: $120
Interest rates: 19.99% purchases / 22.99% cash advances
View more card details for the Scotiabank Gold American Express Card
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 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
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
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
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