No purchase or account necessary. Contest runs June 1st, 2026 to July 3rd, 2026. There is one (1) Grand Prize available consisting of a 5-day/4-night trip for four (4) to attend the 2026 Osheaga Festival (total approximate value of $15,000). Odds of winning the Grand Prize depend on total number of eligible entries received during the Contest Period. There is up to ten (10) Regional Prizes available each consisting of one (1) pair of General Admission Weekend Tickets to Osheaga Festival 2026, to be won only by entrants who live within 120km of Parc Jean-Drapeau (see full rules for eligible postal codes) (“Regional Entrants”) (approximate retail value of each Regional Prize is $840). Odds of winning a Regional Prize depends on the number of eligible entries received from Regional Entrants during the Contest Period. Limit of 1 Prize per winner. The Contest is open to Canadian residents who have reached the age of majority in their jurisdiction of residence at time of entry. Skill-testing question required. Conditions and exclusions apply. For full Contest rules, and additional ways to enter, visit scotiabank.com/perks.

The Scotiabank Cash Bonus Bundle Offer Terms and Conditions

1. The Scotiabank Cash Bonus Bundle Offer (the “Offer”) is available between July 3, 2026 and October 29, 2026 (the “Offer Period”) to individuals who open new eligible accounts. Subject to the Offer conditions, eligible clients can earn $700 when they open a new Preferred Package or Ultimate Package chequing account and complete certain qualifying transactions. Plus, clients who meet the conditions for the $700 bonus are also eligible to earn up to $300 in additional cash bonuses when they bundle their new Preferred or Ultimate Package chequing account with a new Money Master Savings Account and/or a new eligible Credit Card Account and complete certain qualifying transactions/conditions.

$700 Cash Bonus for Preferred or Ultimate Package Conditions

2. To qualify for the $700 cash bonus (the “$700 Package Bonus”), you must:

a. Open a new Ultimate Package or new Preferred Package chequing account (the “Eligible Chequing Account”) during the Offer Period;

b. Within 60 days of Eligible Chequing Account opening, set up and receive at least one eligible automated and recurring direct deposit, such as payroll or pension, which will recur monthly for a minimum of six (6) consecutive months in total; and

c. Within 60 days of Eligible Chequing Account opening, complete any one (1) of the following activities:

        i. Set up and make a minimum of one (1) eligible recurring pre-authorized transaction with a value of at least $50 which will recur monthly for a minimum of six (6) consecutive months, or

       ii. Make at least one (1) eligible online bill payment of at least $50 through the Scotiabank Mobile App or through Scotia OnLine, or

       iii. Complete at least one (1) eligible Visa* Debit purchase using your ScotiaCard® anywhere Visa* Debit is accepted. Only the following Visa Debit transaction types are eligible: online debit purchases, and in-store purchases made outside of Canada.

 

3. Click here for a list of eligible direct deposits, pre-authorized transactions and online bill payments. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction or bill payment is eligible for the $700 Package Bonus. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the $700 Package Bonus.

$200 Money Master Savings Account Bundle Conditions

4. To qualify for a $200 cash bonus (the “$200 Savings Bundle Bonus”), you must meet all of the conditions for the $700 Package Bonus, and:

a. During the Offer Period and within 60 days of opening your Eligible Chequing Account:

           i.  Open a new Money Master Savings Account (the “Eligible Savings Account”).

          ii.  Enroll your new Eligible Savings Account in either the Pay Yourself First or the Savings Finder tool (each a “Smart Savings Tool”).

b. Remain enrolled in your selected Smart Savings Tool for 90 consecutive days.

 

5. Enrolment in a Smart Savings Tool is subject to certain eligibility requirements and can only be done through the Scotiabank mobile banking app. For example, enrollment in the Pay Yourself First tool will not be available if you have not had at least 4 recurring deposits to your Scotia Chequing Account at the time you attempt to enroll. Also, both the Eligible Chequing and Savings Accounts must be “Any to Sign” to be eligible for the Smart Savings tools. Only one Smart Savings Tool can be enrolled in at a time but you can switch tools at any time, however, you must remain enrolled in a Smart Savings Tool for 90 consecutive days from the date of first enrolment in Section 4.a.ii. above.  See the Smart Savings Tool Agreement for full terms and conditions.

 

$100 Credit Card Bundle Bonus Conditions

6. To be eligible to receive a $100 cash bonus (the “$100 Credit Card Bundle Bonus”), you must meet all of the conditions for the $700 Package Bonus, and:

a. Within 60 days of opening your Eligible Chequing Account, you must apply for and be approved for an Eligible Credit Card Account in which you are the primary cardholder; and

b. Within 60 days of opening your Eligible Credit Card Account, you must complete at least one Qualifying Purchase on your Eligible Credit Card Account.

A “Qualifying Purchase” is a Purchase (as defined in your credit agreement for your Eligible Credit Card Account) that is posted to your Eligible Credit Card Account, less any refunds, returns or other similar credits on your Eligible Credit Card Account. Qualifying Purchases exclude cash advances (including balance transfers and cash-like transactions), interest charges, fees and payments posted to your Eligible Credit Card Account.

“Eligible Credit Card Accounts” currently include the following:

• Scotiabank® Scene+TM Visa* Card
• Scotiabank Passport® Visa Infinite +*
• Scotiabank Passport® Visa Infinite Privilege* Card
• Scotiabank American Express^® Card
• Scotiabank Gold American Express®
• Scotiabank Platinum American Express® Card
• Scotia Momentum® No-Fee Visa* Card
• Scotia Momentum® Visa*  Card
• Scotia Momentum® Visa Infinite +*
• Scotiabank Value® Visa* Card

Eligible Credit Card Accounts are subject to change.

 

Offer Eligibility and Exclusions:

7. $700 Package Bonus: Individuals who are currently holders of, or who were previously holders within the last two (2) years, of a Scotiabank Chequing Account are not eligible for this Bonus. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan.

8. $200 Savings Bundle Bonus:  Individuals who currently hold or have held a Money Master Account with Scotiabank in the six (6) months preceding the Offer Period are not eligible for this Bonus.

9. $100 Credit Card Bundle Bonus: Individuals who are currently or were previously primary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card are not eligible for this Bonus.

10. Employees of Scotiabank and all of its subsidiaries are also not eligible for the Offer.

Offer Fulfillment

11. Provided all of the applicable Offer conditions have been met:

a. the $700 Package Bonus will be deposited to the Eligible Chequing Account within approximately nine (9) months from account open date. 

b. the $200 Savings Bundle Bonus will be deposited to your Eligible Savings Account within approximately ten (10)  months from the Eligible Savings Account open date.

c. the $100 Credit Card Bundle Bonus will be deposited to your Eligible Scotiabank Chequing Account within approximately ten (10) months from the credit card open date.  

12. You have 24 months from the date you believe you have fulfilled the applicable Offer conditions to notify us if you have not received the applicable cash bonus so that we may confirm your eligibility. For clients investing in non-Canadian dollar currencies, the investment will be calculated based on Canadian dollar equivalent at the Scotiabank rate on the transaction date to determine eligibility for the offer. All bonuses will be paid in Canadian dollars.

13. For any cash bonus to be fulfilled, the Eligible Chequing Account, the Eligible Savings Account and the Eligible Credit Card Account, as applicable, must be open and in good standing until the time of payout of the cash bonus. The Eligible Chequing Account is not in "good standing" if: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three consecutive months, or (iii) the Account holder is in breach of the Account agreement with Scotiabank. The Eligible Savings Account is not in “good standing” if it has a negative balance.  An Eligible Credit Card Account is not in “good standing” if it is past due or over limit and the Cardholder(s) is in breach of the Revolving Credit Agreement that applies to the Account.

 

14. If more than one (1) Eligible Chequing Account is opened, only the first Eligible Chequing Account opened will be eligible for the $700 Package Bonus. If more than one (1) Eligible Savings Account is opened, only one Eligible Savings Account that fulfilled the $200 Savings Bundle Bonus conditions will be eligible for the $200 Savings Bundle Bonus. If more than one (1) Eligible Credit Card Account is opened, only the first Eligible Credit Card Account opened will be eligible for the $100 Credit Card Bundle Bonus.

15. For joint accounts, only the primary Eligible Chequing Account holder is eligible to receive the $200 Savings Bundle Bonus and the $100 Credit Card Bundle Bonus into their Eligible Savings Account and Eligible Chequing Account, as applicable. The primary account holder must be the same client on both the Eligible Chequing Account, Eligible Savings Account, and Eligible Credit Card Account.

General Terms

16. This Offer is non-transferable and may not be duplicated. Limit of one (1) $700 Package Bonus, (1) $200 Savings Bundle Bonus, and one (1) $100 Credit Card Bundle Bonus per client (for a total bonus of up to $1,000), regardless of the number of Eligible Chequing Accounts or Eligible Savings Accounts or Eligible Credit Card Accounts opened.

 

17. All rates, fees, features and benefits are subject to change. All other terms and conditions of the Accounts and Smart Savings Tools Agreement continue to apply. 

 

18. The Offer is non-transferable and may not be duplicated. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers on the Account, unless otherwise permitted by Scotiabank.

Scotia Perks Terms and Conditions: Subject to certain age restrictions, the Scotiabank Arena Perks benefits (the “Benefits”) are available to all Scotiabank clients with a client number and who have access to the Scotia mobile banking app (“Clients”). Some Benefits may only be available to eligible clients who are the age of majority.  Unless otherwise specified, benefits are available at Toronto Maple Leafs and Toronto Raptors regular season home games at Scotiabank Arena and other events Scotiabank may designate from time to time.

 

To take advantage of any Benefits, Clients must present their Scotiabank Arena Perks Card which can be found within their Scotiabank mobile banking app as follows:

• Sign in to the Scotia mobile banking app

• Select More

• Select Scotiabank Arena Perks

 

The Perks Program and Benefits may be modified or withdrawn at any time without notice. Scotiabank is not responsible for any third party services provided under the Perks program.

 

Scotiabank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time without prior notice. In the event of conflict, these Terms and Conditions will prevail over any of the contents of any brochure, promotional materials or statements, or any other communication regarding the Benefits, whether written or oral from the Bank, except where otherwise stated.

 

Scotiabank reserves the right at its sole discretion, without advance notice, to extend, suspend, terminate, or otherwise modify the Benefits, in whole or in part or for select Clients, for any reason or if the Benefits can't be fulfilled as planned.

 

Scotiabank reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke any Benefit for any person it finds or believes to be manipulating or otherwise abusing the process, fairness, or integrity of the Benefits or who otherwise is deemed ineligible.

 

By accepting any Benefit, Clients agree that they have read and understood these Terms and Conditions and agree to be bound by them. Any notice with respect to these Terms and Conditions is deemed to be provided on the day it is posted on Scotiabank’s website or on the Scotia mobile banking app.

Free popcorn will be available to Clients inside the Arena at Gate 5 during select Toronto Maple Leafs and Toronto Raptors home games at Scotiabank Arena. Free popcorn is limited to one bag per Client, per game while supplies last. Clients must present their Scotiabank Arena Perks Card to be eligible for free popcorn.

Clients and their guest receive expedited entry into Scotiabank Arena via dedicated fast lanes located at Gates 1 and 5 at Scotiabank Arena. Present your game ticket and Scotiabank Arena Perks Card for entry. Applicable for Toronto Maple Leafs and Toronto Raptors regular season home games only unless otherwise specified. Not valid for concerts or any other events hosted at Scotiabank Arena.

Free bag check available for first 50 Scotiabank clients at each Toronto Maple Leafs and Toronto Raptors regular season home games. Limit of 1 free bag per client per game. Clients must present their Scotiabank Arena Perks Card to be eligible. Bag Check is available in the Galleria directly across from Gate 1 at Scotiabank Arena. Estimated retail value of $20/bag. Scotiabank and MLSE will not be responsible for any damage or loss of bags or personal items, for any items left or for lost tickets.

No purchase necessary. One pair of Lower Bowl Toronto Maple Leafs and Toronto Raptors tickets (approximate retail value $500 each) will be awarded to a randomly selected Client entering through the Scotiabank Client Entrance located at Gates 1 and 5 at Scotiabank Arena at each regular season home game throughout the season. Randomly selected Client must present their Scotiabank Arena Perks Card to be eligible for the upgrade. Odds of being selected will depend on the number of eligible Clients entering the Scotiabank Client Entrance during each regular season home game.

No purchase necessary. Enter for your chance to skate on the Toronto Maple Leafs ice at Scotiabank Arena. Arena skate events will occur twice per Maple Leafs regular season. Clients must enter for their chance to be selected for each event via a unique URL. Up to 50 Clients will be randomly selected from amongst all eligible entries to participate in each event. Odds of being selected will vary based on number of eligible Clients that enter for each event. Event capacity is limited to 50 Clients and a guest per event. Limit 1 entry per event per Client. Selected Clients must present their Scotiabank Arena Perks Card in order to be permitted entry. Additional contest terms and conditions apply.

The Make it Merch activation will be available at Gate 5 during select Toronto Maple Leafs regular season home games at Scotiabank Arena. Clients who present their Scotiabank Arena Perks Card will receive exclusive patches, while supplies last.

No purchase necessary. Enter for your chance to watch a Toronto Maple Leafs morning practice on select game days. Morning Skate events will occur once per month beginning in November 2024 through to April 2025. Clients must enter for their chance to be selected for each event via a unique URL.  Up to 50 Clients will be randomly selected from amongst all eligible entries to participate in each event. Odds of being selected will vary based on number of eligible Clients that enter for each event. Event capacity is limited to 50 Clients plus a guest per event. Limit 1 entry per event per Client. Selected Clients must present their Scotiabank Arena Perks Card in order to be permitted entry. Morning skates are optional for Toronto Maple Leafs players and player attendance is not guaranteed. Additional contest terms and conditions apply.

No purchase necessary. Enter for your chance to win a trip for you and a guest to see the Toronto Maple Leafs or the Toronto Raptors play a regular season away game. Road trips will occur three times total per regular season. Clients must enter for a chance to win a road trip prize via a unique URL. Six Clients will be randomly selected from amongst all eligible entries (2 Clients per draw). Odds of winning will depend on the number of eligible Clients that enter. Limit 1 entry per draw per Client; limit 1 trip prize per Client. Selected Clients must present their Scotiabank Arena Perks Card to qualify. Prizes are subject to certain limitations. Approximate retail value of each trip prize is $15,000.00. Additional contest terms and conditions apply.

No purchase necessary. One pair of Lower Bowl Toronto Sceptres, Ottawa Charge, or Montreal Victoire tickets will be awarded as a surprise and delight to a randomly selected Client during select regular season home games throughout the season. Randomly selected Client must present their Scotiabank Debit or Credit Card (physical card or in mobile wallet) to be eligible for the upgrade.

The Make it Merch activation will be available at Coca-Cola Coliseum, Place Bell, and TD Place during select Toronto Sceptres, Montreal Victoire, and Ottawa Charge regular season home games. Clients who present their Scotiabank Debit or Credit Card (physical card or in mobile wallet) will receive exclusive patches, while supplies last.

No purchase or account necessary. Contest ends 6/23/25. Max 1 entry per entrant. 1 Grand Prize (ARV $15,000 value) and up to 14 Regional Prizes (ARV $500 each) (number of regional prizes will depend on teams’ advancement in the Stanley Cup® Final). Open to Canadian residents who have reached age of majority in their jurisdiction of residence at time of entry and who have not won a Scotiabank contest in the past year. Regional Prizes only available to entrants within 120 km of Toronto, Ottawa, Montreal, Winnipeg, or Edmonton. Limit 1 Grand Prize and 1 Regional Prize per eligible winner. Odds of winning depend on total number of eligible entries received for each prize draw. Skill testing question required. Full Contest rules.

A 10% discount will be available on all merch purchases for Clients inside the Arena during every Toronto Sceptres, Ottawa Charge and Montreal Victoire home game at Coca-Cola Coliseum, TD Place, and Place Bell. The 10% discount is available for a limited time and subject to termination at any time without notice. Clients must use their Scotiabank Debit or Credit Card for their purchase and must mention the Scotia Perks program to be eligible for the discount (discount will not be automatically applied). Discount can’t be combined with other offers.

No purchase necessary. Contest entry closes 11:59 PM E.T. on April 17, 2025. There are 404 prizes available consisting of 100 pairs of Skate at Scotiabank Arena tickets, 300 pairs of tickets to view a Leafs Morning Skate on select game days, and 4 Road Trip prizes for two (2) to attend select Toronto Maple Leafs away games. Odds of winning a prize depend on total number of eligible entries received during the Contest Period. Limit of 1 Prize per eligible entrant. This Contest is open to all residents of Canada who have reached the age of majority in their province or territory of residence at the time of entry and who are Scotiabank Clients at the time of entry. Skill-testing question required. Conditions and exclusions apply. For full contest rules, and additional ways to enter, click here.

Scotia High Interest Savings Account offers tiered interest rates and the interest you earn on the balances held in your HISA will be determined based on your Total Relationship Balance (as defined in the Day-to-Day Banking Companion Booklet), which represents the daily closing balances in your eligible Scotiabank chequing accounts, savings accounts, GICs, & Mutual Funds. Your non-personal accounts and accounts held at Scotia McLeod, iTrade, Private Investment Counsel (PIC) and/or any account type that is not in the list of eligible accounts are excluded from the Total Relationship Balance evaluation.

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