Business banking advice and solutions for practising dentists
Banking that grows with you throughout your career
Business banking advice and solutions for your practice
Scotiabank's Healthcare Specialists understand the unique financial needs of starting, managing and expanding your dental practice. We have decades of business banking experience to provide you with tailored advice and solutions to help you manage your finances.
Scotia Professional® Plan
- A dedicated Healthcare Specialist
- A choice of business accounts customized to suit all your business needs
- Scotia Professional® Plan line of credit with preferred interest rates1 and low monthly fees
- Up to 100 % financing for your practice2
- Practice acquisition, renovations, building purchase, equipment and leaseholds
- Cash Management solutions to help you manage your cash flow and save you time and money
- Preferred rates on merchant and payroll services
- A choice of premium credit cards to suit your business needs
Select Account for business
- Monthly plan fee waiver for Plan B (value of $40 a month) with no minimum balance required
- Plan B is a premium operating account which includes 70 transactions3 and 60 deposit4 items per month
- Other Select Account for business plans are also available

Scotiabank PassportTM Visa* Infinite Business Card5
- First year annual fee waiver for primary card holder6
- Earn up to $1,200* in value in the first 12 months, including up to 40,000 bonus Scene+ points7
- Earn up to 1.5X Scene+TM points on eligible business purchases8
- Complimentary airport lounge membership including 6 free visits per year9
- No foreign transaction fees on foreign currency purchases made on your card10 (only the exchange rate applies) and comprehensive insurances11
- Preferred annual interest rates are 19.99% on purchases and 22.99% on cash advances, annual fee $199 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter

Scotiabank Momentum® for business Visa* Card
- Annual fee rebate for primary card holder12
- 3% cash back on eligible gas station, restaurant and office supply store purchases, and on eligible recurring bill payments and 1% cash back on all other everyday purchases for your business13
- Longer interest-free grace period of 25 days14
- 2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that; annual fee $79)15
- Preferred annual interest rates are 19.99% on purchases and 22.99% on cash advances, annual fee $79 for the primary card, $29 for each additional supplementary card
Chase Merchant Services16
- Comprehensive payment processing solution with competitive rates for debit and credit card processing
- Free deposits with Scotiabank Business Account Plan17
- Next business day funding18
Frequently asked questions
Ready to talk?
Find the right Healthcare Specialist for your business needs.

Scotiabank Healthcare Specialists
To learn more, contact a Healthcare Specialist or call Scotiabank Healthcare+ at 1-888-222-3918

Let us contact you
Want to learn more about how our Dentist Banking ProgramΔ can best serve your needs?
Please share your contact information and how we can best reach you and a Scotiabank Healthcare Specialist will contact you.
To be eligible for the Dentist Banking Program benefits you must be a Canadian resident that meet one of the following conditions:
- Enrolled in a Canadian university dental degree program
- Has been accepted or is completing a dental residency in Canada
- Dentist with a DDS or DMD and licensed to practice dentistry in a Canadian province or territory
- Retired dentist with a DDS or DMD and has practiced dentistry in a Canadian province or territory
Subject to credit approval. This is not a commitment to lend. Open to dentists that meet one of the following conditions:
- Dentist with a DDS or DMD and licensed to practice dentistry in a Canadian province or territory; or
- Retired dentist with a DDS or DMD and was licensed to practice dentistry in a Canadian province or territory.
To apply for the Scotiabank Passport Visa Infinite Business Card you must declare that you meet at least one of the following requirements:
You have a minimum business annual sales revenue of CAD $500,000, you have at least $60,000 in personal annual income, you spend at least $30,000 annually on your credit card, you have a least $100,000 in annual household income, or you have at least $250,000 in assets under management.
* 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 December 4, 2024:
$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Business Card clients who spend $5,000 within the first 3 months;
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $60,000 on your Scotiabank Passport Visa Infinite Business Card within the first 12 months;
$136 in foreign transaction fee savings based on average first year annual foreign spend per Scotiabank Passport Visa Infinite Business Card account (save the 2.5% foreign transaction fee markup typically charged by card issuers);
$305 in first year point earn potential (30,500 Scene+ points) on eligible business purchases based on average annual first year spend per Scotiabank Passport Visa Infinite Business Card account;
$359 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on “Preferential” membership valued at approx. CAD$359/USD$259). Currency conversion as at October 25, 2024.
Potential First Year Value = up to $1,200
Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
Offer Description and Conditions: The 40,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite Business credit card accounts (“Account”) opened by October 31, 2025 and is subject to the conditions below. To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must open a new Account by October 31, 2025, and have at least $5,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 10,000 bonus Scene+ points (the “10,000 Point Bonus”), you must have at least $60,000 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges.
Point Bonus Fulfilment: The applicable point Bonus(es) will be credited within approximately 8 weeks after the qualifying amount in eligible purchases (i.e., $5,000 or $60,000) has been posted to the Account (within the first 3 months for the 30,000 Point Bonus or within the first 12 months for the 10,000 Point Bonus) provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and 10,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $5,000 or $60,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the 10,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Scene+ Program continue to apply during the Offer period. Offer may be changed, cancelled, or extended without notice at any time and cannot be combined with any other offers.
Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, as well as employees of Scotiabank, are not eligible for the Offers. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offers.
Rates and Fees: The current annual fee is $199 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.
Primary Cardholders with a valid Scotiabank Passport™ Visa* Infinite Business Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).
To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website. To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website.
The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.
Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport™ Visa* Infinite Business Card is cancelled. If your Scotiabank Passport™ Visa* Infinite Business Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).
Access upon presentation of a valid and enrolled Scotiabank Passport™ Visa* Infinite Business Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.
Offer Description and Conditions: The Introductory 2.99% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum for business Visa credit card accounts (“Accounts”) that are opened by October 31, 2025, subject to the conditions below
The Offer applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. The introductory rate applies if the new Account is opened by October 31, 2025, and will continue for 6 months from date of Account opening (the “Promotional Period”).
After the Promotional Period, the promotional 2.99% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). There is no balance transfer fee applicable to Cash Advances made during the Promotional Period.
This Offer is subject to any available limit for Cash Advances on your Account. This Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. Offer may be changed, cancelled, or extended at any time without notice and cannot be combined with any other offers.
Losing your promotional rate: If we don’t receive the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).
How we apply payments: Your payment cannot be applied to the balance(s) of your choice: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. See your credit card agreement for more information about how we apply payments to your Account.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, as well as employees of Scotiabank, are not eligible for Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $79 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances.
All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.