Credit card fees at a glance

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Important Notice: Effective April 1, 2021, certain fees are changing from $3.50 or $4.00 (as applicable) to $5.00 on Personal Scotiabank American Express Credit Card Accounts and Personal and Small Business Scotiabank Visa* Credit Card Accounts.  View more details on all changes.

Effective February 1, 2020, unless otherwise indicated.

Transaction fees

  Current transaction fees Changes effective April 1, 2021
Dishonoured payment fee $48.00 No Change
Non-sufficient funds fee $48.00 No Change
Replacement sales draft, cash advance draft or monthly statement fee $5.00 No Change
Overlimit fee $29.00 No Change
Foreign currency conversion1 2.5% No Change
Balance transfer fee (for transfers to Scotiabank accounts or to non-financial institutions) $3.50 $5.00
Cash advance counter fee (any financial institution in Canada) $3.50 $5.00
Cash advance counter fee (financial institutions outside of Canada) $7.50 No Change
Cash advance fee (including cash-like transactions)2 $4.00 $5.00
Scotia Credit Card Cheque fee $3.50 $5.00
Promotional low rate fee3
3% of each transaction amount (min. fee of $3.50)
3% of each transaction amount (min. fee of $5.00)
Fast Card fee4
$20.00
No Change
Credit Balance Administration fee5
The lesser of $25.00 or the amount of credit balance.
No Change

ABM fees

  Current ABM fees Changes effective April 1, 2021
Cash advance ABM fee (any Scotiabank ABM in Canada) $3.50 $5.00
Cash advance ABM fee (non-Scotiabank ABMs in Canada) $3.50 $5.00
Cash advance ABM fee (ABMs outside of Canada) $7.50 No Change
Cash advance ABM fee (Global ATM Alliance Bank ABM outside of Canada)
$3.50
$5.00

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