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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.
Insert heading text
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
- No monthly account fee
- Unlimited debit transactions2 and Interac e-Transfer† transactions3
- Earn rewards on debit transactions4
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.
1
To qualify for the $75 welcome bonus (the “Offer”), you must:
1. Open a new Student Banking Advantage Plan (an “Eligible Account”) by July 31, 2022; and
2. 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 two (2) eligible recurring pre-authorized transactions♢♢ for a minimum of $25 per transaction, which will recur monthly for a minimum of three (3) 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.
2 Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the Student Banking Advantage Plan account package.
3 Fees may initially be charged for Interac e-Transfer transactions in excess of 99 in a month but will be reversed in the subsequent month.
4 Scene+ ScotiaCard® debit card: Earn 1 Scene+ Point for every $5 on debit purchases (up to a maximum of 300 points per transaction and 600 points per day) made from an eligible Scotiabank chequing or savings account using your Scene+ ScotiaCard debit card linked to a Scene+ membership, including Interac Debit contactless and Visa Debit transactions. Normal Interac Debit contactless transaction limits apply. Scene+ Points accumulated using your Scene+ ScotiaCard debit card will be updated within 2-3 days to the associated Scene+ account. Scene+ points are calculated on debit card purchases, less any refunds, returns, or other similar credits. Other conditions apply.
Visit www.scotiabank.com/sceneplusrewards for full terms and conditions.
5 Maximum points per transaction are 300. Maximum daily points are 600.
® Registered trademark of The Bank of Nova Scotia.
™ Trademarks of The Bank of Nova Scotia.
† Interac e-Transfer is a registered trade-mark of Interac
Corp. Used under license.
* Visa Int. / Licensed User.
®♢ Registered trademark of Cineplex Entertainment LP, used under license.
™* Trademark of Scene IP LP, used under license.