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Effective August 1, 2016
| Transaction Fees | |
|---|---|
| Dishonoured payment fee | $48.00 |
| Non-sufficient funds fee | $48.00 |
| Replacement sales draft, cash advance draft or monthly statement fee | $5.00 |
| Overlimit fee | $29.00 |
| Inactive fee¹ | $10.00 |
| Foreign currency conversion² | 2.5% |
| Balance transfer fee | $3.50 |
| Cash advance counter fee (any financial institution in Canada) | $3.50 |
| Cash advance counter fee (financial institutions outside of Canada) | $7.50 |
| Cash advance fee (cash-like transactions)⁴ | $4.00 |
| Scotia Credit Card Cheque fee | $3.50 |
| Promotional low rate fee³ |
3% of each transaction amount (min. fee of $3.50) |
| ABM Fees | |
|---|---|
| Cash advance ABM fee (any Scotiabank ABM in Canada) | $3.50 |
| Cash advance ABM fee (non-Scotiabank ABMs in Canada) | $3.50 |
| Cash advance ABM fee (ABMs outside of Canada) | $7.50 |
| Cash advance ABM fee (Global ATM Alliance Bank ABM outside of Canada) | $3.50 |
Note: All information is effective as of AUGUST 1, 2016 and subject to change. Fees and charges are charged to the account on the date the transaction occurs, unless otherwise noted.
For information on current interest rates, fees and other charges, call 1-888-882-8958.
An Inactive fee of $10 may be charged to your account if there have been no transactions (either debit or credit) on your account for a period of 12 consecutive months. This does not apply to Scotia Momentum Mastercard
A fee of 2.5% of the converted amount, applied to both debit and credit transactions.
Promotional low rate fee: 3.00% (unless waived or reduced by us in the offer) of the amount of each transaction under a promotional low rate offer made to you (minimum fee of $3.50). A promotional rate means the rate is lower than your preferred annual interest rates. Promotional low rate offers may apply to cash advances, balance transfers or Scotia Credit Card Cheques. The exact promotional low rate fee will be disclosed to you at the time the offer is made.
Cash-like transactions are monetary transactions posted to your account and include wire transfers, foreign currency, travellers cheques, money orders and gaming chips.
Charged when a replacement Scotia Momentum Mastercard is sent by courier at Cardholder’s request.
The lesser of $25.00 or the amount of credit balance. This fee will apply if there is inactive credit balance(s) for a period of at least 12 months on the Scotia Momentum Mastercard and will be assessed annually thereafter. Fee is applied on the day after the 12 months of inactivity.
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