Account Selector
What kind of account are you looking for?
Scotia® Moneyback™ 
Account
- 1% money back on debit purchases
- Unlimited self-service transactions with 2 free non-Scotia ABM withdrawals every month
- $14.95/month
Scotia® Moneyback™ Account
Right for you if:
You use your debit card at least once a day and you prefer cash reward purchases.
Introducing the Scotia® Moneyback™ Account, the only bank account that gives you 1% money back with every debit purchase. Before you know it, you could earn up to $300, simply by doing the things you do every day.
1% money back and more
With the Scotia Moneyback Account, your debit purchases give you 1% money back. Your account also comes with other features, including:
- 1% money back
On all debit Point of Sale (POS) purchases made from your MoneybackTM account. - Unlimited self-service transactions
For transactions like cheque writing, bank machine cash withdrawals, POS purchases and online transfers. - Two free Interac*** withdrawals
Per month from non-Scotiabank bank machines in Canada. - Scotia InfoAlerts
Receive account information via text or email.
PLUS:
Optional Scotia® Moneyback™ branded ScotiaCard available
Free paperless statements and available paper-based statements for only $1.00/month or $2.00/month with Cheque Image Return.
Scotia One™
Account
- Unlimited transactions
- SCENE®* program
- $3,000 minimum monthly balance fee waiver
- $11.95/month
Scotia One™ Account
Right for you if:
You want flexible access to your funds and you’re looking for an account offering unlimited debit transactions.
- Unlimited debit transactions
- Monthly fee waived when you maintain a minimum daily balance of $3,000
- No charge for Scotia InfoAlerts (an alert service that allows you to choose to receive account notifications such as account information, account management and security alerts via text message, e-mail or both). Your wireless carrier's standard text messaging fees apply.
- SCENE®* program
- Overdraft protection (subject to credit approval) is also available; regular fees apply
- Eligible for CDIC Coverage
Basic Banking Plan
- 25 debit transactions per month
- SCENE®* program
- $2,000 minimum monthly balance fee waiver
- $8.95/month
Basic Banking Plan
Right for you if:
You don’t perform many transactions and you need something that’s simple and low-cost.
- 25 debit transactions per month including:
- Cheques
- Interac Direct Payment purchases
- Cash withdrawals, account transfers and bill payments
- Monthly fee waived when you maintain a minimum daily balance of $2,000
- No charge for Scotia InfoAlerts (an alert service that allows you to choose to receive account notifications such as account information, account management and security alerts via text message, e-mail or both). Your wireless carrier's standard text messaging fees apply.
- Overdraft protection (subject to credit approval) is also available; regular fees apply
- Eligible for CDIC Coverage
Getting There®
Savings Program for Youth
- Must be 18 or under
- Unlimited debit transactions
- No monthly fee
Getting There® Savings Program for Youth
Right for you if:
You are 18 or under and you want to learn the basics of good money management by saving each month.
- No monthly fee
- Unlimited debit transactions
- No charge recordkeeping
- Interest rates to help you save
PLUS:
Cheque writing, cash withdrawals, bill payments, fund transfers and Debit purchases using Interac*** Direct Payment.
Cash withdrawals available when outside Canada from ATMs belonging to member banks of the Global ATM Alliance.
SCENE®* ScotiaCard®
- Sign up now and earn up to 2,000 points1
- Get a free movie for just 1,000 points2
- Enjoy 10% off concession purchases all the time3
SCENE®* ScotiaCard®
Enjoy great entertainment rewards with SCENE. As a SCENE member you'll earn points at Cineplex Entertainment◊ theatres redeemable for free movies, concession combos and more. Your membership allows you to:
- earn bonus points at sign-up1
- earn 100 points every time you see a movie at any Cineplex theatre2
- redeem for a FREE movie with just 1,000 points^^
- enjoy 10% off movie snacks3
Student Banking Advantage® Plan
- Must be a registered full-time post-secondary student
- Unlimited debit transactions (any type)
- No monthly fee
Student Banking Advantage® Plan
Right for you if:
You are a student1 attending a university, community college or anther recognized post-secondary school in Canada and you want access to your money when you need it.
- No monthly fee
- Unlimited debit and cheque transactions
Plus:
Cheque writing, cash withdrawals, bill payments, fund transfers and Debit purchases using Interac*** Direct Payment.
Cash withdrawals available when outside Canada.
Overdraft protection (subject to credit approval) is also available; regular fees apply.
Personalized cheques can be purchased at your branch or through Scotia OnLine® Financial Services.
Learn® VISA card, SCENE®* Visa* card, and Special Grad Auto Loan Programs available (subject to approval).
Scotia Plus®
Program for Seniors
- Age 59 and above
- No monthly fee
- Unlimited transactions
- Free paper statements, passbook and cheques
- SCENE®* program
Scotia Plus® Program for Seniors
Right for you if:
You are 59 or older and you want a variety of discounted banking services.
- No-monthly plan fees
- Free Unlimited Transactions
- Free personalized or certified cheques
- Free money orders and drafts
- Spousal benefits
- $5 discount on Safety Deposit Boxes
Plus
Free processing of foreign currency cheques drawn on or deposited to your account.
Free processing of postdated or mailed-in deposits.
Commission-free regular American Express® 2 Travellers Cheques
Stop payment options.
Overdraft protection (subject to credit approval) is also available; regular fees apply.
Money Master®
Savings Account
- No monthly fee
- All you need is $1 to start earning interest
- Unlimited free transfers using Scotia OnLine®, Scotiabank® Mobile Banking, ABM and TeleScotia®
Money Master® Account
Right for you if:
You want to start saving for your future and you want a competitive interest rate.
- Very competitive interest rate
- No monthly plan fees
- Unlimited free transfers*
- Paperless recordkeeping See up to 18 months of transaction history at any time with Scotia OnLine.
PLUS:
Interest is paid to you from the first dollar saved and applied to the full balance. An ideal companion to your Day-to-Day transaction account.
Scotia® US Dollar
Daily Interest Account
- 2 debit transactions
- $200 minimum monthly balance fee waiver
- $1 U.S./month
Scotia® US Dollar Daily Interest Account
Right for you if:
You travel frequently to the U.S. and you make and receive payments in USD.
- Bank without borders
- Interest rates to make your U.S. funds grow Monthly fee is waived when you maintain a minimum daily balance of US $200.
- Includes two transactions (cheques, pre-authorized payments, cash withdrawals, and account transfers made with teller)
- Additional transactions are US $0.60 each.
- If daily account balance drops below US $200, a monthly maintenance fee of US $1.00 applies.
- Commission-free USD money orders and USD drafts.
- Commission-free regular American Express USD Travellers Cheques.
- Tiered interest is calculated on daily closing balances as your account balance increases, so does the interest rate
PLUS:
Free Scotia® OnLine Financial Services, TeleScotia, Interac Online, or Scotiabank ABMs.
Deposits to this account do not constitute as deposits that are insured under the Canada Deposit Insurance Corporation (CDIC) Act.
Scotia® Euro Daily
Interest Account
- 2 teller-assisted transactions
- Passbook recordkeeping only
- €200 minimum monthly balance fee waiver
- €1.00/month
Scotia® Euro Daily Interest Account
Right for you if:
You want to avoid foreign exchange costs and you want to watch your Euros grow.
- Deposit and withdraw1 Euros easily
- No monthly account fee with a minimum monthly balance of €200Otherwise a monthly maintenance fee of €1.00 applies. Includes two teller assisted withdrawal transactions per month2.
- Passbook recordkeeping only - no charge
- The higher your balance, the higher your interest rate
- Includes two teller assisted withdrawal transactions per month2.Additional teller assisted withdrawal transactions are charged at €0.60 each.
Deposits to this account do not constitute as deposits that are insured under the Canada Deposit Insurance Corporation (CDIC) Act.
2Only teller assisted debit and withdrawal transactions conducted at your branch of account are allowed on this account.
Worry-free Travel
- Travelers cheques
- Foreign Exchange
- Travel Medical Insurance
- Global ATM Alliance
Basic Banking
Account (Chequing Account)
- 12 debit transactions per month (includes 4 teller-assisted)
- SCENE®* program
- $3.95 /month
Basic Banking Account
Right for you if:
You don’t perform many transactions and you need something simple and low-cost.
- 12 debit transactions (a combination of self-service1 and up to 4 teller-assisted2 transactions) per month including:
- Cheques
- Interac Direct Payment purchases
- Cash withdrawals, account transfers and bill payments
- Overdraft protection (subject to credit approval) is also available; regular fees apply
- Eligible for CDIC Coverage
2Teller-assisted transactions are debit transactions processed directly with a teller at a Scotiabank branch.
Scotiabank Investing
We have several investment options to help you meet your financial goals. Learn MoreScotiabank Investment products
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Plans:
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Retirement Savings Plans
Choose from a selection of simple RSP plans and lower your taxes while saving for your nest egg.
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Tax Free Savings Account
Save up to $5,000 tax-free each year, with the flexibility to withdraw from those savings at any time.
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Products:
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ScotiaFunds®
Access domestic, international and specialty funds across all asset classes, regions and investment styles.
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Guaranteed Investment Certificates
Keep your principal investment safe, while enjoying a guaranteed rate of return for the term of the investment.
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Services:
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ScotiaMcLeod
Get trusted advice and personalized financial solutions, including a complete investment strategy with specific steps to reach your objectives.
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Scotia Power™
Savings Account
- No monthly fee
- Balances of $5,000 and up earn a higher interest rate
- Unlimited free transfers using Scotia OnLine®, Scotiabank® Mobile Banking, ABM and TeleScotia®
Scotia Power Account
Right for you if:
You want a diverse portfolio and you want to achieve your savings goals faster.
- Competitive interest rate
- Easy access to your funds anytime
- Unlimited free Canadian dollar funds transfers to and from your other Scotiabank accounts when you use Scotia OnLine® Financial Services, Telescotia® Telephone Banking, ABMs and wireless banking services
- A $5.00 per-transaction fee applies on all other debit transactions (i.e. branch or Contact Centre assisted transactions, ABM withdrawals, direct payment purchases, bill payments, pre-authorized payments and cheque withdrawals)