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  • Choose the right
    mortgage with
    expert advice.

    Our mortgage advisors show you
    mortgage solutions customized
    to your needs.

    Learn more

    Choose the right mortgage with expert advice.

    Our mortgage advisors show you mortgage solutions customized to your needs.

    Learn more
  • Earn points.
    Enjoy travel rewards.

    Get 25,000 bonus points, worth
    up to $250 in travel, with the
    Scotiabank Gold AMEX card.

    Learn more

    Earn points. Enjoy travel rewards.

    Get 25,000 bonus points, worth up to $250 in travel, with the Scotiabank Gold AMEX card.

    Learn more
  • Give the gift of
    ultimate choice.

    Introducing the new Scotiabank
    Visa Gift Card.

    Learn more

    Give the gift of ultimate choice.

    Introducing the new Scotiabank Visa Gift Card.

    Learn more
  • Buying your first home Buying your first home
    X

    Home sweet home

    Start your home ownership journey

    • Discover just how much you can afford
    • Save your down payment in a high-interest savings account
    • Decide what features you need in your dream home

    Mortgage choices

    Learn about the mortgage options available so you feel confident when you’re ready to apply.

    View mortgages

    Expert advice

    Got mortgage questions? Home Financing Advisors can give you answers and advice at your home, work or anywhere else that’s convenient for you.

    Find an advisor

    What’s a fixed rate?

    With a fixed-rate mortgage your interest rate stays the same for your entire term. Even if the Prime rate rises – your rate doesn’t.

    What’s a variable rate?

    With a variable-rate mortgage your interest rate goes up and down as the prime rate changes. When interest rates are low – you pay less interest.

    What’s a mortgage term?

    A term is the length of time that your mortgage conditions are in effect. A 5-year term is the most common choice.

  • Starting your career Starting your career

    Jumping into the job market

    Make smart moves

    • Consider upgrading to a chequing account that suits your new needs
    • Increase payments towards student loans or other debts
    • Open a savings account and put away funds for future goals

    Invest now

    An RRSP can help you save on taxes while growing your money. Start by investing just $50/month. The sooner you begin, the better off you’ll be.

    Start investing

    Credit cards that reward you

    Feel more independent with your own credit card. Plus, you can get a card that gives you something back – like free movies, cash back or travel rewards.

    Get rewarded
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  • Starting your new business Starting your new business

    Be your own boss

    Getting ready to launch

    • Create your business plan with help from this handy tool
    • Get a banking package with a chequing account and credit access
    • Decide how you’ll accept payments – through POS, online or both

    Everyday business purchases

    Take care of office supplies, travel expenses, business meals and more with a business Visa card. Plus, earn cash back on nearly everything you buy.

    Apply now

    Plan for success

    Should you incorporate? How can you cut costs? Get answers from our Small Business Advisors. They can offer advice and solutions for your business challenges.

    Find an advisor

    Win $10,000

    Complete this short survey and you’ll be entered for a chance to win $10,000 for your small business.

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  • Freshen up your finances Freshen up your finances

    Get organized. Feel energized.

    Try these easy ideas

    • Find out where your money goes and pick a few places to cut back
    • Make a plan to pay off debts. Increasing your payments is a great place to start
    • Shredding one statement after another? Skip the hassle and go paperless

    Lose the late fees

    Ever forget to pay your bills on time? Try pre-authorized payments and your bills will be paid on time, every time.

    Pay bills easily
    Working out your finances

    Ramp up your refund

    Instead of spending your tax refund, use it to start an emergency fund. Then you’ll have money available when the unexpected happens.

    Open your account

    Stay on track

    Evaluate your finances with the help of a Scotiabank advisor. They’ll help ensure you’re on track to meet your goals.

    Make an appointment
  • Going on vacation Going on vacation

    Time for some R & R

    Save up for your vacation

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    Travel sooner

    Use a travel rewards credit card for your everyday purchases. You’ll earn points that you can use towards flights, hotels, car rentals and more.

    Earn travel rewards

    Play it safe

    Getting ready to go away? Remember to pack travel insurance. Then you’re covered if you need medical care while you’re on vacation.

    Protect yourself

    Skip surcharge ATM fees

    Want to withdraw cash and avoid access fees when you’re out of the country? That’s what the Global ATM Alliance is all about.

    Save on fees
  • Getting ready to retire Getting ready to retire

    Enjoy the freedom

    Expert financial advice

    Cashing in on RRSPs

    Before you turn 71, you’ll need to transfer your RRSPs into a Registered Retirement Income Fund. Then you can access the money you’ve worked so hard to save.

    Open an RRIF

    Affordable travel insurance

    Heading south for the winter? Stay safe with travel insurance and get up to $5 million in emergency medical coverage.

    Protect yourself
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    Get your senior savings

    Did you know? As soon as you turn 60, you get $4.00 off your monthly bank fee. Drop by your branch to start saving.

    Get your discount
  • Starting your life in Canada Starting your life in Canada

    Helping you settle in

    Getting ready to move

    • We can help you make the move easier
    • Get advice, accounts and solutions
    • Start settling in even before you arrive
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    Studying in Canada

    From a bank account and credit card to advice and guidance, you can get what you need to start your studies in Canada.

    Study in Canada

    Banking for newcomers

    Recently moved to Canada? Start your new life with a Scotiabank bank account designed just for newcomers like you.

    Start banking

    Send money back home

    Helping family at home? Western Union Money Transfer is a simple, safe and budget-friendly way to send funds anywhere in the world.

    Send funds
  • Caring for your parents Caring for your parents

    Helping the people you love

    Supporting your parents

    • A Prepaid VISA Card is an easy way to help your parents
    • Just load funds onto the card
    • Your parents can get groceries, prescriptions, and more

    Keep valuables safe

    A safety deposit box is a great place to keep wills, jewellery, photographs and anything that you want to protect under lock and key.

    Protect your valuables

    Avoiding NSFs

    If you’re taking care of a few expenses for your parents, overdraft protection helps you ensure that you’re never short of funds.

    Safeguard your account

    Be ready to help

    Will your parents need extra care down the road? Start saving now so that you’ll have the funds to help.

    Open an account
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Enter our #StartMeUp contest

What would you start if you won new tech gear?

Enter now

Why choose Scotiabank?

The best account is the one that rewards you.

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Find your nearest branch

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Protect what matters most

Sign up on a 2-yr Rogers Smart Home Monitoring Protect plan, get a FREE door lock.

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Enjoy more free time with online & mobile banking

Pay bills, transfer money and more, in no time.

Find out how