Managing your money just got smarter.
Scotia Smart Money by Advice+ gives you personalized advice, insights, and control of your money. Find it on the Scotia app.
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Get investment ideas, insights, and information for managing your money.

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Special offer:
Earn up to 40,000 bonus Scene+™ points in your first year (that’s up to $400 towards travel).1
Annual fee: $120
Interest rates: 19.99% purchases / 22.99% cash advances

What is a credit card installment plan and how can I make the most of it?
A credit card installment plan is a feature that can help you to pay for purchases on your credit card over a fixed period.

4 tips to help organize your finances and prepare for the future
How to manage your cashflow and get ready for your goals.

Manage your budget for unexpected expenses
No matter how much of a planner you are, unexpected expenses will pop up. Here’s how to budget for them.

New to digital banking?
Our step-by-step guides can help you start banking on your phone, tablet, or desktop computer.

How much should I have in savings?
You want to save but what should your goal be?