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scotiabank branch

Online appointment booking

A quick, easy, and secure way to connect with a Scotiabank advisor matched to your needs.

scotiabank advisor

Have a question?

We’re ready to give you advice.

Are you a Scotiabank customer with access to online banking?

To qualify for the Offer:

  1. Open your first eligible RRSP or TFSA between December 1st, 2021 and January 31, 2022;

  2. By March 1, 2022, contribute or transfer-in a minimum of $3,000 across your first eligible Investment Plan(s) and maintain that minimum amount until April 30, 2022;

  3. By January 31, 2022, set up a monthly recurring pre-authorized contribution (PAC) of at least $100 in any one of the eligible Investment Plan(s) which must have recurred monthly for a minimum of 3 consecutive months by April 30, 2022.

Following the satisfaction of the above and all other Terms & Conditions, the $150 cash bonus will be paid into your eligible Investment Plan by June 30, 2022

See our terms and conditions‡ for the full details

Registered Retirement Savings Plans (RRSP)

Maximize your retirement savings with tax benefits on your investments.

Special offer

For a limited time, earn $150 on your first eligible RRSP

Why invest your money with RRSP

Contributions you make to your RRSP reduce your taxable income while your investments grow on a tax-deferred basis.

What is an RRSP?

RRSP helps you save for retirement. While there are several kinds of registered savings plans, they all have the same important feature: you don’t have to pay income tax on the money you earn from your investments while they’re in the plan.

How much can I contribute?

RRSP allows you to make tax-deductible contributions each year, either in a lump sum or through regular Pre-Authorized Contributions (PACs). The maximum you can contribute each year is set by the Canadian government and depends on your income. 

What else can I use the money for?

Funds in an RRSP are eligible for Canadian government programs that can help you buy your first home or pay for education for you, your spouse, or your common-law partner.

The Investment Companion Booklet includes important information about our products, services, and fees.


Building your RRSP

Your RRSP can contain a variety of investments, such as cash, mutual funds, and GICs. We can help you build an investment portfolio that’s right for you.

The Scotia Aria® Retirement Program

The only retirement program of its kind in Canada, with a customized investment approach designed for your stage in life. A $500 investment is all it takes to get started.

ScotiaFunds® Portfolio Solutions

Our Portfolio Solutions offer a diversified mix of mutual funds in the convenience of single investment to help you grow your savings while carefully managing risk.  Whether you are seeking regular income or long-term growth, there’s a portfolio solution designed to help you achieve your goals.

Mutual Funds

Mutual funds deliver instant diversification and professional money management in a cost-effective and convenient solution.

Special Offer

Savings Accelerator Account

For a limited time, earn 1.30%† interest on new deposits into your RRSP or TFSA.

Guaranteed Investment Certificates (GICs)

A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.

Build a plan for your future with Scotiabank

Get personalized advice from our team of advisors and investment specialists across Canada. 

Connect with us in a way that’s convenient for you. Scotia advisors are available in every branch to help you understand, plan, and execute the right financial plan.

Monitor your investments digitally with online and mobile banking. Our digital banking guides show you how to take care of your banking using your mobile phone, tablet, or computer.

Open an RRSP

See available options to open your RRSP account.

scotiabank branch

Online appointment booking

A quick, easy, and secure way to connect with a Scotiabank advisor matched to your needs.

scotiabank advisor

Have a question?

We’re ready to give you advice.