Spend, save, and invest, all from one package

Limited Time Offer

You could earn up to $3502 cash!

When you open a Preferred Package or Ultimate Package

Ultimate Package

Spend, save and invest, all from one package

$350 welcome bonus!2

  • Unlimited debit transactions3 & Interac e-Transfer transactions
  • Up to $139 ongoing annual fee waiver on select credit cards5
  • For a limited time, earn up to 3.10%23 on your MomentumPLUS Savings Account7
  • Unlimited free Global non-Scotiabank ABM withdrawals6
  • 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

$300 welcome bonus!2

  • Unlimited debit transactions3 & Interac e-Transfer transactions
  • First year annual fee waiver (up to $139) on select credit cards12
  • For a limited time, earn up to 3.05%23 on your MomentumPLUS Savings Account14
  • 4 more perks

$0* or $15.95/mth

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

See all the perks that will help you spend, save and invest.

Get all the banking perks

Unlimited debit transactions3 and Interac e-Transfer transactions  with both the Ultimate Package & Preferred Package!

Up to $139 annual fee waiver on select credit cards

Ultimate Package:
Ongoing annual fee waiver5

Preferred Package:
First year annual fee waiver12

Scotiabank Gold American Express Card image

Annual Fee
$120/year

Each supplementary card
$29/year

Interest rates
19.99% purchases
22.99% cash advances

Annual Fee
$139/year

Each supplementary card
$0/year for one and $50/year for each Card thereafter

Interest rates
19.99% purchases
22.99% cash advances

Annual Fee
$120/year

Each supplementary card
$50/year

Interest rates
20.99% purchases
22.99% cash advances

Annual Fee
$29/year

Each supplementary card
$0/year

Interest rates
12.99% purchases
12.99% cash advances

Exclusive savings rates

Ultimate Package:
For a limited time, earn up to 3.10%23 on your MomentumPLUS Savings Account7

Preferred Package:
For a limited time, earn up to 3.05%23 on your MomentumPLUS Savings Account14

View MomentumPLUS Savings Account

Ultimate and Preferred rates on select Non-Redeemable GICs8,15

View Scotia GIC options

Direct invest with Scotia iTRADE® – Ultimate Package Perk

10 free trades from Scotia iTRADE in your first year (approximately $100 value) and 5 free trades every year after9

View Scotia iTRADE

Get rewarded

Earn points on every purchase with your choice of rewards programs.10

SCENE®* Rewards

Redeem SCENE points for entertainment rewards like movies, meals and more.

Scotia Rewards®

Redeem Scotia Rewards points for travel, gift cards, the latest in tech, and more.

Scotia Package Perks 

Package

  • Ultimate Package

  • Preferred Package

Ultimate Package

Preferred Package

Debit Transactions3 included /mth

Unlimited

Unlimited 

Interac e-Transfers included /mth

Unlimited

Unlimited 

Overdraft Protection

No monthly Overdraft Protection fee4

$5.00/mth if used

Rewards

Your choice of SCENETM or Scotia Rewards®,10

Your choice of SCENETM or Scotia Rewards®,10

Ultimate Package

Preferred Package

MomentumPLUS Savings Account

For a limited time, earn up to 3.10%23 on your MomentumPLUS Savings Account7

For a limited time, earn up to 3.05%23 on your MomentumPLUS Savings Account14

Guaranteed Investment Certificates (GICs)

Ultimate rates on select GICs8

Preferred rates on select GICs15

Scotia iTRADE®

10 free equity trades at Scotia iTRADE in your first year (approximately $100 value) and 5 free equity trades every year after9

-

Ultimate Package

Preferred Package

Credit cards

Up to $139 ongoing annual fee waiver on select credit cards5

First year annual fee waiver (up to $139) on select credit cards12

Non-Scotiabank ABM
withdrawals /mth

No Scotiabank fees on global non-Scotiabank ABM withdrawals6

Fee waived on one non-Scotiabank ABM withdrawal per month in Canada13

Cheques & Drafts

Free11, 20

-

Ultimate Package

Preferred Package

Scotia® U.S. Dollar Daily Interest Account

No monthly account fee on a Scotia® U.S. Dollar Daily Interest Account19

No monthly account fee on a Scotia® U.S. Dollar Daily Interest Account22

Additional Basic Plus Bank Account

No monthly account fee on a Basic Plus Bank Account16 (save up to $131 annually)

-
Safety deposit box

$55 annual fee waiver17 (equivalent to a small safety deposit box)

-

Ultimate Package

Preferred Package

Debit Transactions3 included /mth

Ultimate Package

Preferred Package

Unlimited

Unlimited 

Interac e-Transfers included /mth

Ultimate Package

Preferred Package

Unlimited

Unlimited 

Overdraft Protection

Ultimate Package

Preferred Package

No monthly Overdraft Protection fee4

$5.00/mth if used

Rewards

Ultimate Package

Preferred Package

Your choice of SCENETM or Scotia Rewards®,10

Your choice of SCENETM or Scotia Rewards®,10

MomentumPLUS Savings Account

Ultimate Package

Preferred Package

For a limited time, earn up to 3.10%23 on your MomentumPLUS Savings Account7

For a limited time, earn up to 3.05%23 on your MomentumPLUS Savings Account14

Guaranteed Investment Certificates (GICs)

Ultimate Package

Preferred Package

Ultimate rates on select GICs8

Preferred rates on select GICs15

Scotia iTRADE®

Ultimate Package

Preferred Package

10 free equity trades at Scotia iTRADE in your first year (approximately $100 value) and 5 free equity trades every year after9

-

Credit cards

Ultimate Package

Preferred Package

Up to $139 ongoing annual fee waiver on select credit cards5

First year annual fee waiver (up to $139) on select credit cards12

Non-Scotiabank ABM
withdrawals /mth

Ultimate Package

Preferred Package

No Scotiabank fees on global non-Scotiabank ABM withdrawals6

Fee waived on one non-Scotiabank ABM withdrawal per month in Canada13

Cheques & Drafts

Ultimate Package

Preferred Package

Free11, 20

-

Scotia® U.S. Dollar Daily Interest Account

Ultimate Package

Preferred Package

No monthly account fee on a Scotia® U.S. Dollar Daily Interest Account19

No monthly account fee on a Scotia® U.S. Dollar Daily Interest Account22

Additional Basic Plus Bank Account

Ultimate Package

Preferred Package

No monthly account fee on a Basic Plus Bank Account16 (save up to $131 annually)

-

Safety deposit box

Ultimate Package

Preferred Package

$55 annual fee waiver17 (equivalent to a small safety deposit box)

-

Need help selecting your account?

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