Scotia Mortgage+ Program

® Registered trademark of The Bank of Nova Scotia.

Value of up to $7,700 is rounded down and assumes the following selected bundled accounts and related welcomes offers and product value as of September 9th 2026. 

 

• Earn up to $1,000 when you bundle a Preferred or Ultimate Package, eligible savings account and credit card and complete certain qualifying transactions (see full offer details here)

• Value of up to $1,250 in Scotiabank Passport Visa Infinite + Card welcome offer value of up to $350, first year point earn potential and savings (see footnote 7 for more details) 

• Get up to $203.40 in waived monthly account fees on an eligible Preferred Package for up to one year by setting up your recurring mortgage payments from your Preferred Package account ($16.95 monthly fee x 12 months) (see full offer details here)

• Earn a 1.5% cash bonus on transfers into an eligible registered account, up to $3,750, when you complete certain qualifying transactions (see full offer details here)

• Get up to $1,500 towards your applicable switch fees (see full offer details here). 

 

Potential First Year Value = up to $7,703.40 (rounded down to $7,700)

 

Actual value will vary. Actual offers, value and cash bonuses or points earned will depend on individual products bundled and eligibility for applicable offers available at the time of account open. Conditions apply. All offers subject to change. 

Available on Scotia Total Equity® Plan (STEP) mortgages (including refinanced STEP mortgages) only with pre-authorized mortgage payments set up from an eligible Scotiabank bank account plus customer must have or open one other eligible Scotia product. Not eligible for mortgage renewals and restructures. Secured ScotiaLine is not eligible. Additional conditions and exclusions apply. This Program may be changed, withdrawn, suspended, or extended at any time without notice. 

All mortgages are subject to meeting Scotiabank’s standard credit criteria, residential mortgage standards and maximum permitted loan amounts.

Willful’s estate planning products and services are offered by Final Blueprint Inc. operating as Willful (“Willful”). The purchase of any product or service through Willful is at the purchaser’s sole discretion and shall be governed by Willful’s terms and conditions, which are available on its website. The Bank of Nova Scotia (“Scotiabank”) is not responsible for, and provides no representations, warranties or conditions regarding any third-party products or services, including those of Willful. Scotiabank communications are intended for promotional purposes only and do not constitute financial or legal advice or an opinion related to the acquisition, suitability or use of any Willful’s estate planning product or service.

A referral by Scotiabank to Willful will result in a commission being paid to Scotiabank. Offer available only to Scotiabank customers who open a new account with Willful created through the link provided on this page. This offer cannot be combined with any other promotional offer from Willful. Offer may be changed, cancelled or extended without notice at any time. Willful’s products and services are not available to Yukon, Nunavut and Northwest Territories residents. Willful’s products and services are only available in French to Quebec residents. Quebec residents can currently only purchase ‘Will’ plan. Visit Willful.co/fr-qc for more information.

The Scotiabank Cash Bonus Bundle Offer (the “Offer”) is available between July 3, 2026 and October 29, 2026 (the “Offer Period”) to individuals who open new eligible accounts. Subject to the Offer conditions, eligible clients can earn $700 when they open a new Preferred Package or Ultimate Package chequing account and complete certain qualifying transactions. Plus, clients who meet the conditions for the $700 bonus are also eligible to earn up to $300 in additional cash bonuses when they bundle their new Preferred or Ultimate Package chequing account with a new Money Master Savings Account and/or a new eligible Credit Card Account and complete certain qualifying transactions/conditions.

Based on current monthly account fee of $16.95 for the Preferred Package chequing account. 

 

No monthly account fees for a year offer conditions: To qualify for a monthly account fee waiver on a new Preferred or Ultimate Package for up to 1 year (the “Offer”), you must:

 

1. Open a new or transfer an existing Eligible Mortgage (as defined below), which is funded on or after  August 1, 2024 or (ii) renew your existing Scotiabank Eligible Mortgage on or after August 1, 2024;

2. Open a new Ultimate Package or Preferred Package (each a “Package”) after August 1st, 2024 and within 120 days before or after funding/renewal date, as applicable; and

3. Within 60 days of Package opening and Eligible Mortgage funding/renewal (whichever occurs later), set up recurring Pre-Authorized Debit (PAD) mortgage payments from the new Ultimate Package or Preferred Package.

4. The monthly Package account fee waiver will begin immediately upon the later of Package opening and Eligible Mortgage funding/renewal and will continue for as long as the PAD mortgage payment for the Eligible Mortgage continues to be withdrawn from the Package, up to a maximum of 1 year. All other applicable service charges on the Package will continue to be applied.

Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of May 22, 2026:

$250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months. See offer details here. 

$100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account.

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients

$132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don't pay the 2.5% foreign transaction fee markup typically charged by other card issuers); $364 in first year point earn potential (36,400  Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined. 

$358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$358/USD$259). Currency conversion as at May 22, 2026.

 Potential First Year Value = up to $1,254 (rounded down to $1,250)

 Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Up to $2,500 in Newfoundland and up to $1,200 in Quebec.

Some conditions may apply. Offers only available on transfers of existing mortgages from another lender or financial institution to The Bank of Nova Scotia. Prepayment charges with your existing lender may be applicable if the mortgage has not reached the maturity date. This program can be changed or withdrawn at any time without notice and may not be combined with any other discounts, offers or promotions.

The minimum mortgage amount is $100,000 and the new mortgage must be set up as a closed fixed rate mortgage with a 3 year term or greater or, a closed variable rate mortgage with a 5 year term. Scotiabank will pay a maximum of $1,100 ($1,200 for Quebec and $2,100 for Newfoundland) to the appropriate service provider to cover mortgage closing costs for services ordered directly or approved by Scotiabank. This amount will be treated as cashback and will be repayable to Scotiabank if the mortgage is assumed, paid out, transferred, or renewed prior to the expiry of the mortgage term. The cashback amount may appear as an additional charge payable in any discharge or renewal statement, and will be calculated on an even prorated basis using a standard formula. Scotiabank will also cover up to a maximum of $400 towards any discharge or assignment fee (other than any prepayment charges) charged by the other financial institution in connection with the mortgage transfer (not applicable in Quebec or through eHOME online application). The mortgage must be funded within 120 days of the application date.

The Scotiabank Investment Transfer Offer (the “Offer”) is available between May 1, 2026 to October 31, 2026  (the “Offer Period”) to new and existing Scotiabank clients. Subject to the conditions below, clients are eligible for a 1.5% cash bonus of up to $3,750 (the “Cash Bonus”), when they transfer a Net Transfer-in Amount of $20,000 or more (either in cash or as an in-kind transfer of existing assets) to a new or existing Eligible Registered Account with either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”), complete certain qualifying transactions, and meet all other Offer conditions set out below. In order to qualify for a Cash Bonus, a client cannot in the 24 months preceding the Offer Period have received a cash bonus from Scotiabank into the same Eligible Registered Account type with Scotiabank.