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Includes Regular Interest Rate of 2.20% (assuming a Total Relationship Balance of at least $500,000) plus a Welcome Promotional Interest Rate Offer of 2.80% for the first 3 months (90 days). Regular Interest and Welcome Promotional Interest are calculated daily, paid on the 7th business day of the following month and are only earned on days when your Total Relationship Balance is equal to or greater than $10,000. The Regular Interest Rate that you earn on your HISA balance will be determined based on your Total Relationship Balance and the corresponding Balance Level. “Total Relationship Balance” is the sum of daily closing balances across all of your eligible Scotiabank accounts each day, as further defined in the Day-to-Day Banking Companion Booklet. For a full list of eligible accounts click here. As your Total Relationship Balance changes on a daily basis, the applicable Regular Interest Rate may also change, which may result in a change to the Regular Interest Rate that applies to your  HISA balance. Interest rates are subject to change. Visit the Current Rates Page for more information and current rates.  

Self-Service Transfer means a transfer to your other Scotiabank account without the help of a Teller, including through Scotia OnLine®, Scotiabank Mobile Banking and Contact Centre. The MomentumPLUS Savings Account does not have ABM or Point of Sale access or automated direct bill payment functionality.

Self-service refers to any transfers processed without the help of a Scotia Advisor. You have unlimited no-fee self-service transfers to other Scotiabank accounts using Scotia OnLine, mobile banking, or over the phone. A $5.00 service charge applies for any in-branch transaction. Standard withdrawal and transfer fees apply for all registered plans.

Refer to Bank The Rest^® Savings Program page for further details.

Only teller-assisted debit and withdrawal transactions conducted at your branch of account are allowed on this account. ABM, telephone and Internet banking services, direct payment transactions, bill payments, overdraft protection and cheque-writing privileges are not available on this account.

Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of March 3, 2023. 

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

Scotia High Interest Savings Account offers tiered interest rates and the interest you earn on the balances held in your HISA will be determined based on your Total Relationship Balance (as defined in the Day-to-Day Banking Companion Booklet), which represents the daily closing balances in your eligible Scotiabank chequing accounts, savings accounts, GICs, & Mutual Funds. Your non-personal accounts and accounts held at Scotia McLeod, iTrade and/or any account type that is not in the list of eligible accounts are excluded from the Total Relationship Balance evaluation.

Self-Service Transfer means a transfer to your other Scotiabank accounts without the help of a teller, including through Online Banking, Mobile App and Contact Centre.

The primary account holder of the Ultimate Package qualifies for a monthly account fee waiver on a Scotia® U.S. Dollar Daily Interest Account. The primary account holder on the Ultimate Package account can be either the primary or joint account holder on the Scotia® U.S. Dollar Daily Interest Account. If the primary account holder of the Ultimate Package had a Scotia® U.S. Dollar Daily Interest Account prior to activating an Ultimate Package the fee waiver will apply to the bill cycle following the activation of the Ultimate Package. Both accounts must be in good standing. Limit of one (1) Scotia® U.S. Dollar Daily Interest Account per Ultimate Package account.

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