Pre-Authorized Debit - Terms and Conditions

Please review and agree to the following agreement

Our Pre-Authorized Debit (PAD) agreement has all the terms and conditions that apply when you set up a PAD including details on how to cancel it, your rights for reimbursement and what happens in the case of insufficient funds.

Pre-Authorized Debit (PAD) Agreement

This pre-authorized debit (PAD) agreement (the “agreement” or “PAD agreement” ) is between you (as defined below) and The Bank of Nova Scotia (also referred to as the “Bank”, “Scotiabank”, “us” or “we”) for the account (the “PAD account”) that you have designated to be debited from under this PAD agreement.

On the day before the requested date, we will generate the bill record to be debited to the indicated PAD account.

By accepting this agreement, you are authorizing us to debit your PAD account at this or another Financial Institution for your credit account (Credit Card or Scotia Line of Credit payment).

You also agree to ensure that funds are available to cover the requested pre-authorized payment amount. If the PAD account is at The Bank of Nova Scotia, sufficient funds must be in the account on the night prior to the scheduled payment date.

When you give us this authorization to debit your PAD account, it is the same as delivering a notice to your Financial Institution where you maintain your PAD account. Your Financial Institution will debit the PAD account you specify in the same manner as if you had given written instructions.

The Financial Institution listed will not check if the debit was in accordance with this authorization nor verify that we have fulfilled the purpose of the debit as a condition to honouring the debit.

Cancellation of Agreement

You may cancel this payment method at any time by providing thirty (30) days written notice.

Termination of this authorization applies only to the method of the payment and does not have any bearing on or eliminate your obligation to make payment to us under your credit account (Credit Card or Scotia Line of Credit).

You authorize us to withdraw the designated payment (Minimum Payment or Full Balance) from your designated PAD account on the dates and in the way set out in your credit agreement for your credit account with us.

This authorization will continue until you cancel it. The amount of each debit received by us will be credited against the outstanding balance of your Credit Card/Scotia Line of Credit account.

Account Information

You are responsible for letting us know if there are any changes to the account information for this pre-authorized debit. Changes must be submitted to us in writing. You will provide us with another authorization if this is required.

Right of Reimbursement

You have certain recourse rights if any debit does not comply with this agreement. For example, you have the right to receive reimbursement for any debit that isn't authorized or isn't consistent with this Agreement. 

To obtain more information on your right to cancel a PAD agreement, contact Scotiabank or visit If you have any questions about this PAD agreement or would like to make inquiries or obtain information, please contact us at 1-800-472-6842.

By giving notice to us at 1-800-472-6842 within ninety (90) days, debits charged to your account will be reimbursed if:

  • The debit was not drawn in accordance with this authorization
  • This authorization has been revoked
  • The debit was posted to the wrong account due to invalid/incorrect information supplied by you

Insufficient Funds

If your PAD account does not have sufficient funds to cover a pre-authorized payment, the Bank will:

  • Attempt to withdraw the pre-authorized payment until the transaction is successfully completed or until the next pre-authorized payment date if the PAD account is at The Bank of Nova Scotia. If funds are insufficient to cover a full-balance payment request but are enough to cover the minimum payment, the Bank will withdraw the minimum payment amount only. (** Not applicable to Scotiabank Mastercard accounts.)


  • Attempt to withdraw the requested payment only once and for the required amount if the PAD account is at another Financial Institution. If funds are insufficient to cover a full-balance payment request, the Bank will not collect the minimum payment even if there are enough funds to cover it. (*** Applicable to Scotiabank Mastercard accounts if the PAD account is at The Bank of Nova Scotia or another Financial Institution.)

Insufficient Funds – recurrence

Following the first occurrence of insufficient funds on a PAD account, the Bank will attempt to apply the pre-authorized payment as per your instructions on the next payment date.

If funds are still unavailable and the PAD account is at The Bank of Nova Scotia, the Bank will repeat the procedure outlined in the section "Insufficient Funds" at every subsequent payment date.

If the PAD account is at another Financial Institution, it will repeat the procedure outlined in this section "Insufficient Funds" for 3 consecutive payment periods before it is cancelled.

The Bank of Nova Scotia is not responsible to notify you if the pre-authorized payment was reversed due to insufficient funds or changes in the PAD account status. You are responsible for any charges that arise from this situation, and to ensure that the required payment is made through an alternative method.

If at any time your account becomes overlimit or past due - because of insufficient funds or any other reason - you also authorize the Bank to withdraw the minimum payment plus the past due amount or overlimit amount, whichever is greater, on the next payment date.

Authority to Debit Account

You warrant that all persons whose signatures are required to sign on the debit account (the PAD account) have accepted this authorization.

References to “you” in this PAD agreement means the primary borrower on the credit account (Credit Card or Scotia Line of Credit) with us and the accountholder on the debit account (the PAD account) from which debits are authorized under this PAD agreement.

Language:  You have requested that this document be drawn up in English.  Vous avez exigé que ce document soit rédigé en anglais.


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