Scotiabank Visa Gift Cards – Frequently Asked Questions

Features & Information

The Scotiabank Visa Gift card is a one-time load stored value payment card and can be used anywhere Visa is accepted. The card provides customers with an opportunity to gift a payment card to anyone they choose. A gift card is usually purchased with a set amount, is non-reloadable and is typically given as a gift. Once the balance reaches zero, the card can no longer be used.

No. Scotiabank’s Visa Gift card is not a credit card. Instead of using credit, you are using the money loaded to the card to make purchases. This means that there is no credit check, application or interest charges.

Yes. All the purchases you make with your card are protected by Visa’s Zero Liability Protection.

No, your Scotiabank Visa Gift card cannot be used to perform a cash withdrawal at an ATM or via a Branch Representative.

You can purchase a maximum of fifteen Scotiabank Visa Gift Cards in a 365-day period.

Scotiabank Visa Gift Cards can only be loaded once, at the time of purchase. Cards cannot be reloaded with additional funds.

Scotiabank Visa Gift Cards are not refundable.

No, your right to use the funds loaded to the gift card does not expire. There is an expiry date printed on the front of the card for transaction purposes. If your card has reached it’s expiration date and has a positive balance on it, you can call 1-844-484-0048 and a replacement Card will be mailed to you if the card was previously registered. The available balance will be automatically transferred to the new Card, which can be used once the card is activated at or by calling 1-844-484-0048.

When shopping online, depending on the retailer, you will select Visa, or Credit Card. You may be prompted to enter the gift card's expiry date, three-digit security code (CVV2 - located on the back of the card), Address Verification (address used to setup the card on file at Scotiabank) and/or Cardholder Name (your name on file with us). 

When shopping in a store, you need to let retailers know that you are paying with Visa. You will have to swipe your card and sign a Sales Receipt. Some terminals may prompt you to enter the last four digits of your Gift Card number.

Yes, any credit for returned or exchanged merchandise must come from the retailer and is subject to their return policies. It may take up to 7 to 10 business days before the credit is applied to your card.

No, you must have enough funds loaded on your Card to cover the purchase amount. If the balance on the Card is less than the cost of the total purchase, you can make a split payment by advising the retailer how much you want to pay from the gift card and then use another form of payment for the difference.

In order to protect your card in the event that it is lost or stolen, it must be registered at If lost or stolen, you must contact Scotiabank Visa Gift Card Customer Service at 1-844-484-0048. A replacement card will be mailed to you and the existing balance on the card, minus the $3.95 Replacement Card Fee, will be transferred to your new card.

Card Activation
Balance Inquiry
At any Full Service Scotiabank Branch
Balance/Inquiry & Transaction history
Cardholder dispute
Lost/Stolen card
Scotiabank Visa Gift Card Customer Service Centre:
Channel Balance Transactions Address Change
Website ( Yes Yes Yes
Full-Service Scotiabank Branch Yes -- --
Scotia OnLine / Mobile Banking Yes -- --
Customer Service Centre
Yes Yes Yes

Purchase & Activation

You can visit any Scotiabank Full-Service Branch to obtain a Scotiabank Visa Gift Card. These cards are not available through any other Scotiabank channel at this time.

You need to be a Scotiabank customer to purchase a Visa Gift Card.

The card is only available to Canadian or US residents who meet the minimum age of 14 years old.


Yes, there is a one-time $3.95 purchase fee irrespective of load amount (minimum load: $10, maximum load: $500)

There are no transaction fees for using Scotiabank Visa Gift cards for purchases outside of Canada. Similar to foreign credit and debit transactions, purchases made in a foreign currency will be deducted from your card in the amount converted to Canadian dollars based on an exchange rate determined by Visa Inc. on our behalf, on the date that the transaction is settled with Visa Inc. The exchange rate includes an additional 2.5% of the converted amount.

Accessing our automated service is free. You can also speak to a Customer Service Agent twice per month for free; you would then be charged $2.00 for each additional Agent assisted call that month.