Scene+^TM 100,000 Points Contest

NO PURCHASE OR ACCOUNT OPENING NECESSARY. Contest runs from January 28, 2025 at 12:00:01 (ET) to January 31, 2025 at 11:59:59pm (ET). Open to Canadian residents 17 years of age or older who attended the Lunar New Year event in Richmond, British Columbia on January 28, 2025. One (1) winner will receive 100,000 Scene+ points (approximate retail value of $1,000 CAD). The odds of an entry being drawn depend on the total number of eligible entries received. Limit of one (1) entry and one (1) Prize per entrant. Additional conditions apply. See full Official Rules at https://arm6.scotiabank.com/rules for complete details.

To access Scotia Smart Money by Advice+, you must have an active personal banking retail product, have transacted at least once on your account within the preceding 6 months and have logged into the Scotia Mobile Banking App.

Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the Student Banking Advantage Plan account package.

Foreign currency exchange rate also applies. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at www.scotiabank.com/ca/en/personal/ways-to-bank/scotiabank-international-money-transfer-agreement.html.

Subject to approval. A customer must apply for an Overdraft Protection Plan to determine if they qualify.

Value of up to $2,200 is calculated as follows: i) up to $583.30 first year value with the StartRightTM Program + ii) Up to $1,900 in Preferred Package, TFSA/RRSP and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:

 

i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRightTM customers as of November 1, 2024:

• $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
• $280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer);
• $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade);

Actual value will depend on individual usage of the StartRight™ Program features and products. Conditions apply. All products and features are subject to change.

 

ii)  Value of up to $1,900 in Scotiabank welcome offers and first year point earn potential includes the following offers as of November 1st 2024:

• $800: $400 cash offer for new Preferred and Ultimate Package clients who complete certain qualifying conditions plus up to $400 when you open two eligible investments plans  and complete certain qualifying transactions;

• $250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $1,000 within the first 3 months;
  • $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients;
  • $100 in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months);
  • $250 in first year point earn potential (25,000 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 21% in 2X accelerator categories;
  • $350 value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes (annual membership plus one free visit of approx. CAD$134/USD$99 plus 5 lounge passes at CDN$48/USD$35 per pass). Currency conversion as at February 28, 2024;
  • $100 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by  card issuers).

Actual offers and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply. 

Scotiabank StartRight^® Program is available only for Canadian Permanent Residents from 0-5 years in Canada and Foreign Workers.

A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. For each Premium Period, Premium Interest is calculated daily by applying the Premium Interest Rate to each deposit, including any accumulated Regular Interest, until the end of the Premium Period. Premium Interest is paid at the end of each Premium Period, so long as NO DEBIT TRANSACTION HAS OCCURRED within that Premium Period. When a debit transaction occurs, no Premium Interest is payable for that Premium Period and a new Premium Period of the same length will commence the same day. Refer to Current Rates Page for current Interest Rates, which are subject to change.

When you don’t make any withdrawals within the Premium Period timeframe you select.

Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of February 28, 2024:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $1,000 within the first 3 months;

$100 in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients;

$100 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by  card issuers);

$250 in first year point earn potential (25,000 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 21% in 2X accelerator categories;

$350 value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes (annual membership plus one free visit of approx. CAD$134/USD$99 plus 5 lounge passes at CDN$48/USD$35 per pass). Currency conversion as at February 28, 2024.

 

Potential First Year Value = up to $1,100

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

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Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Visa Int. / Licensed User.

Interac e-Transfer is a registered trademark of Interac Corp. Used under license.