Credit card fees at a glance

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All rates, fees, and other information are subject to change. Effective as of April 1, 2021, unless otherwise indicated. 

Transaction fees

  Current 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
Foreign currency conversion1 2.5%
Balance transfer fee (for transfers to Scotiabank accounts or to non-financial institutions) $5.00
Cash advance counter fee (any financial institution in Canada) $5.00
Cash advance counter fee (financial institutions outside of Canada) $7.50
Cash advance fee (including cash-like transactions)2 $5.00
Scotia Credit Card Cheque fee $5.00
Promotional low rate fee3
3% of each transaction amount (min. fee of $5.00)
Fast Card fee4
Credit Balance Administration fee5
The lesser of $25.00 or the amount of credit balance.

ABM fees

  Current ABM fees
Cash advance ABM fee (any Scotiabank ABM in Canada) $5.00
Cash advance ABM fee (non-Scotiabank ABMs in Canada) $5.00
Cash advance ABM fee (ABMs outside of Canada) $7.50
Cash advance ABM fee (Global ATM Alliance Bank ABM outside of Canada)

Scotia SelectPayTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§

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Turn points into rewards you actually want – from travel to gift cards to cash back credits. 

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Scotiabank® U.S. Dollar VISA* Card


Worry-free U.S. Dollar purchases with no currency conversion fee.
(Fees charged in USD)


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