Finance for students
Being a student can be a great time of your life as you study, make new friends and discover new interests.
Check out our tips and tools to help you keep track of your finances and set yourself up for success for the future.
Tips for students
Hear from a Scotia advisor on how you can build better savings habits.
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with an optional subtitleCheck out our Student Banking 101 video.
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with an optional subtitleHow you can build a back-to-school budget.
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with an optional subtitleWhat you should know before you start using a credit card.
Student banking accounts
Get a student bank account that rewards you for being you.

Getting There Savings Program for Youth
Start building healthy financial habits early
- No monthly account fee
- Unlimited debit2 and Interac e-Transfer transactions3
- Earn rewards on debit transactions4

Student Banking Advantage® Plan
A worry-free account matched for student life.
- Earn a $75 welcome bonus1 and up to 7,500 Scene+ points when you bundle your banking – up to $150 in total value**!
- No monthly account fee2
- Unlimited debit3 and Interac e-Transfer† transactions
- Earn points on everyday purchases with the Scene+TM program 4
Student Life 101
Here are some of our tips so that you can make the most of your school year as a student, from signing a lease on your first apartment to paying back your student loan.

What is money management?
Money and the lingo that goes with it can sound daunting, for sure. But as with anything, the more you learn the more empowered you’ll feel.

Credit: You’ve heard about it, so now let’s talk about it.
Step-by-step introduction to credit, credit scores, credit cards and more.

Saving and investing your money
Understanding where your money lives and how it grows is an important part of taking control of your finances.
Useful tools

Learn where you are spending and saving
A great way to plan for your financial future is to understand where you are now. Use our calculator for a better picture of your finances and to help you budget for your goals.

Looking for a card that’s right for you?
Take the guesswork out of choosing a credit or debit card. Use our tool to pick the type of reward that you’re most interested in.
More Resources

Student Internships
Check out Scotia’s internships and co-op placements.

International students
A new culture, country and school are a lot to get used to. Our StartRight Program aims to make living and banking in Canada easier for you.
Value of up to $150 in welcome bonuses with the Scene+™ Student Banking Bundle includes a $75 cash bonus and up to 7,500 in Scene+ points (valued at up to $75) as follows:
i. $75 cash offer for new Student Banking Advantage® Plan customers
ii. 1,250 Scene+ points for new Scotiabank® Scene+™ Visa* Card customers
iii. 1,250 Scene+ points for new customers who combine the products above with a new MomentumPLUS Savings Account
iv. 5,000 Scene+ points when you complete all of the above
Additional conditions apply, please see https://www.scotiabank.com/ca/en/students/student-bundle/terms-conditions.html for full terms and conditions.
To qualify for the $75 welcome bonus (the “Offer”), you must:
- Open a new Student Banking Advantage Plan (an “Eligible Account”) by October 31, 2022; and
- Complete either of the following activities in your Eligible Account within 60 days of Eligible Account opening:
- Set up and clear at least one (1) eligible automated and recurring direct deposit♢♢, such as payroll, or
- Set up and clear at least one (1) eligible recurring pre-authorized transaction♢♢ which will recur monthly for a minimum of two (2) consecutive months.
♢♢Click here for a list of eligible direct deposits and pre-authorized transactions. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit or pre-authorized transaction is eligible for the Offer. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Offer.
Eligibility and Exclusions: Individuals who are currently holders of a Scotiabank Chequing Account are not eligible for the Offer. Individuals who were previously holders of a Scotiabank Chequing Account within the last two (2) years are not eligible for the Offer. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan. Employees of Scotiabank are also not eligible for the Offer.
General Terms: The $75 cash bonus will be deposited to the Eligible Account within six (6) months from account open date provided all Offer conditions outlined above have been met. The Eligible Account must be open and in good standing until the time of payout of the cash bonus. The Eligible Account is not in "good standing" if: (i) it has a negative balance exceeding the authorized overdraft limit, or (ii) it has been in continuous overdraft for a period of three consecutive months. The Offer is non-transferable and may not be duplicated. Limit of one (1) Offer per customer, regardless of the number of Eligible Accounts opened. If more than one (1) Eligible Account is opened, only the first Eligible Account opened will be eligible for the Offer. For joint accounts, only one (1) cash bonus Offer will be applied to the primary account holder’s Eligible Account. All rates, fees, features and benefits are subject to change. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.