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Get started by choosing a rewards program for this account.

Scotia Rewards® points for travel and more

SCENE®* Rewards points for movies and meals

I don’t want rewards

Spend, save, and more all from one banking package.

All of our accounts come with your choice of SCENE or Scotia Rewards10

  • Ultimate Package

    Earn up to $650 in benefits & savings!

    • Earn up to 1.80%23 on your MomentumPLUS Savings Account7 for a limited time
    • Unlimited debit transactions3, Interac e-Transfer transactions, and Scotia International Money Transfers±
    • Unlimited free Global non-Scotiabank ABM withdrawals6
    • Up to $139 annual fee waiver each year on select credit cards5
    • 9 more premium perks

    $0* or $30.95/mth

    * No monthly account fee by maintaining a minimum daily closing balance of $5,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account1

  • Preferred Package

    Our most popular features packaged for your everyday banking needs

    • Earn up to 1.75%23 on your MomentumPLUS Savings Account14 for a limited time
    • Unlimited debit transactions3 & Interac e-Transfer transactions
    • First year annual fee waiver (up to $139) on select credit cards12
    • 4 more perks

    $0* or $16.95/mth

    * No monthly account fee by maintaining a minimum daily closing balance of $4,000 for the entire month

  • Basic Plus Bank Account

    A basic account with value-added features

    • 25 free debit transactions3 per month
    • Free Interac e-Transfer transactions

    $0* or $11.95/mth

    * No monthly account fee by maintaining a minimum daily closing balance of $3,000 for the entire month

  • Student Banking Advantage® Plan

    A worry-free account matched for student life

    • Unlimited debit transactions3 and Interac e-Transfer  transactions


    * Must be currently enrolled full time in a post-secondary institution in Canada or the U.S. (Domestic or International students)4

  • Getting There Savings Program for Youth

    Start building healthy financial habits early

    • Unlimited debit and Interac e-Transfer transactions3


    * Must be 18 years old or younger

  • Basic Bank Account

    A basic bank account that covers your minimal financial needs

    • 12 free transactions3 & free Interac e-Transfer transactions per month

Understand how to get the most out of your bank accounts with Advice+

What you can access with every account

  • Mobile and online banking

  • Mobile cheque deposit

  • Free credit score††

  • Shop with convenient VISA Debit and Interac Flash payment options

  • Apple Pay, Google Pay and Samsung Pay

Need help selecting your account?

Banking with Scotia just makes sense

  • Get your fees waived!

  • Overdraft protection

  • Earn rewards on your everyday purchases

  • Convenient branch & 4,000+ ABM locations

  • Personalized financial advice

We made switching banks easy, just for you.