Personal Banking | Scotiabank Canada (2024)

Celebrating Indigenous Peoples’ history and stories

See our commitments

Invest with Scotia iTRADE®

Get up to $3,500 cash and $4.99 stock and ETF commission pricing when you open and fund a new account or fund an existing account^*

New to Canada?

Newcomers can get a credit limit up to $15,000* with StartRight™.

^{*Subject to credit approval. Conditions apply.}

StartRight offer details

Discover your credit card rewards

Enter your monthly spending details to compare Scotiabank’s credit card benefits and calculate your rewards.

Use the rewards calculator

ScotiaRISE, a commitment to the future

10 years, $500 million, 1 program for the future. ScotiaRISE promotes economic resilience and creates new opportunities for disadvantaged groups.

See how we help

Diversity, Equity, and Inclusion

Our most important investment is the one we make in our people. That’s why we work to grow and diversify talent across our footprint.

Learn about DEI at Scotia

The Ultimate Package

Earn up to $400with an Ultimate Package and an investment plan.²

Open your account now About The Scotiabank Ultimate Package

The Preferred Package

Earn up to $400 with a Preferred Packageand an investment plan.²

Open your account now About The Preferred Package

The Momentum^PLUS Savings Account

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

Start saving now with the Momentum Plus Savings Account

Special Offer for new Scotiabank eligible mortgage

Earn up to $400 with a Scotiabank banking package and an investment plan.²Plus, pay no monthly account fees for up to a year by setting recurring payments to a new or renewed Scotiabank eligible mortgage.

Get offer

New to Canada?

Newcomers can earn up to $1,800^* in value in the first year with StartRight^TM.^{*Potential value in 1st year. Certain conditions and assumptions apply.}

StartRight offer details

Student Banking Advantage^® Plan

A worry-free account matched for student life.

Open your account now

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 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

Scotia Momentum^®Visa Infinite^*Card

Special offer:
Earn10% cash backon all purchases for the first 3 months (up to $2,000 in total purchases).¹No annual fee in the first year, including onadditional 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

Scotiabank GoldAmerican Express^®Card

Special offer:
Earn up to $950^* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.¹

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

View more card details for the Scotiabank Gold American Express Card

Scotiabank® Scene+™

Visa* Card

Special offer:
Earn up to5,000 bonus Scene+ points within your first 3 months.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

Scotiabank Value^®
Visa^*Card

0% introductory interest rateonbalance transfers for the first 10 months (12.99% and then after that 13.99% starting August 1, 2024; 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

Scotia Momentum^®
Visa^*Card

Get a0% introductory interest rateon 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

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

Registered Retirement Savings Plan (RRSP)

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

Earn up to $400 with a Scotiabank banking package and an investment plan.^*

Learn more

Tax-Free Savings Account (TFSA)

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

Earn up to $400 with a Scotiabank banking package and an investment plan.^*

Learn more

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

Savings Accelerator Account

From February 1 to May 31, earn an interest rate of up to 5.10%^◊ on new FHSA deposits with the Savings Accelerator Account.^†

Accelerate your savings

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

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

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