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     * Conventional vs. collateral mortgage charges
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     * Scotiabank eHOME
     * Scotia Total Equity® Plan (STEP)
     * Fixed rate mortgages
     * Variable rate mortgages
     * Switch to Scotiabank program
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     * Second home mortgages
     * Scotia Mortgage Protection insurance
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   * Lines of Credit
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     * ScotiaLine® Personal Line of Credit (STEP)
     * ScotiaLine® Personal Line of Credit for students
     * Scotia RSP catch-up line of credit
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     * Personal loan calculator
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     * The loan or lease decision
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     * Financing Your Home Renovations
     * How to choose a vehicle
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     * Direct investing
     * Talk to a Scotia advisor
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   * Products
     * Back
     * Guaranteed Investment Certificates (GICs)
     * Savings Accelerator Account
     * Invest with Mutual Funds
     * Scotia Portfolio Solutions
     * Scotia Aria Retirement Program
     * Scotia Exchanged Traded Funds (ETFs)
   * Resources
     * Back
     * Investing basics
     * Pre-Authorized Contributions (PAC)
     * Scotiabank Investment Specialists
     * Regulatory disclosures
     * Wealth management
     * Investment account fees
   * Tools
     * Back
     * Scotia Smart Investor via Advice+
     * Investment calculators and tools
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     * TFSA calculator
     * Scotia iTRADE sustainable investing
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   * Back to main menu
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   * Creditor Insurance
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     * Scotia Mortgage Protection insurance
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     * Scene+ Student Banking Bundle
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   * Back to main menu
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   * Bank fees
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     * Bank account fees at a glance
     * Credit card fees at a glance
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   * Borrowing
     * Back
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INTRODUCING
SCOTIA SMART INVESTOR

Get investment advice tailored to you. Scotia Smart Investor helps you set,
track, and manage your financial goals as your life evolves.

about Scotia Smart Investor via Advice+ Learn more



 * Featured
 * Accounts
 * Credit cards
 * Borrowing
 * Investments
 * Learning
   

Featured Accounts Credit cards Borrowing Investments Learning


FEATURED


Helping plan for your financial future.




THE MOMENTUMPLUS SAVINGS ACCOUNT


Open and fund a MomentumPLUS Savings Account and earn our best rate yet.

Start saving now with the Momentum Plus Savings Account



YOU COULD SCORE A TRIP TO THE STANLEY CUP® FINAL

Enter and use an eligible Scotiabank Scene+ debit or credit card.

Enter now External Created with Sketch.



HOW SCOTIABANK PROTECTS YOU

Scotiabank uses innovative technology to protect your accounts and personal
information and we’re always working to educate our customers on what you can do
to help prevent fraud.

Learn more about fraud prevention




NEW TO CANADA?

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

StartRight offer details



SCOTIABANK'S SCENE+TM STUDENT BUNDLE

Students, earn up to $175 in welcome bonuses when you bundle your banking.*

*Conditions apply.

Learn more



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




ACCOUNTS


Keep your finances on track with an account that gives you flexibility and
control over your money.




THE ULTIMATE PACKAGE


Earn a $350 welcome bonus with the Ultimate Package. It’s the ultimate in
banking.2

Open your account now About The Scotiabank Ultimate Package



THE PREFERRED PACKAGE


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

Open your account now About The Preferred Package



THE MOMENTUMPLUS SAVINGS ACCOUNT


Open and fund a MomentumPLUS Savings Account and earn our best rate yet.

Start saving now with the Momentum Plus Savings Account




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.

Get offer



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


View all bank accounts

View all savings accounts




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 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

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



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




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 $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* 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.

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.




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.


Learn about RRSP



SAVINGS ACCELERATOR ACCOUNT

Earn a competitive interest rate on your money as it grows, with no monthly
account fee. Available in registered§ and non-registered plans.

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.

Invest with confidence



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+




LOCATE BRANCHES, ADVISORS, AND ABMS

Get location information for Scotiabank branches, advisors, and ABMs across
Canada.
Find your nearest branch


Scotiabank is a member of Canada Deposit Insurance Corporation (CDIC)





HAVE A QUESTION?

We have an answer.

Help Centre


CALL SCOTIABANK

1.800.4SCOTIA

More phone numbers


GET ADVICE

Meet with an advisor.

Book an appointment




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