Scotia Mortgage+ Program

Registered trademark of The Bank of Nova Scotia.

Visa Int. / Licensed User 

Value of up to $8,220 is rounded down and assumes the following selected bundled accounts and related welcomes offers and product value as of November 2nd 2026. 

• Earn up to $1,000 when you bundle a Preferred or Ultimate Package, eligible registered account and credit card and complete certain qualifying transactions (see full offer details here)
• Value of up to $1,350 in Scotiabank Passport Visa Infinite + Card includes welcome offer value (up to $450), estimated first year point earn potential and savings (see footnote 6 for more details) 
• Get up to $371.40 in waived monthly account fees on an eligible Ultimate Package chequing account for up to one year by setting up your recurring mortgage payments from your Ultimate Package account ($30.95 monthly fee x 12 months) (see full offer details here)
• Earn up to $4,000 on eligible transfers into an eligible registered account (2% cash bonus on up to $200,000 in eligible transfers) and 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 $8,222.40 (rounded down to $8,220)

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, excluding mortgages, Secured ScotiaLine, and overdraft protection.

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 This Program may be changed, withdrawn, suspended, or extended at any time without notice.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 only available in French to Quebec residents. Quebec residents can currently only purchase ‘Will’ plan. Visit Willful.co/fr-qc for more information.  Willful’s products and services are not available to Yukon, Nunavut and Northwest Territories residents.

 

If you have any questions, please visit the Willful support page at https://www.willful.co/support. 

 

Note: Your Scotiabank power of attorney forms are not revoked. If you have an existing Scotiabank power of attorney form, any power of attorney you create using the services of Willful will not revoke your Scotiabank form power of attorney. You may benefit from speaking with a lawyer to determine if there are any conflicts between the Willful power of attorney and the Scotiabank form power of attorney.

The Scotiabank $1,000 Cash Bonus Bundle Offer (the “Offer”) is available between October 30, 2026 and March 4, 2027 (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 eligible Registered Account and/or a new eligible Credit Card Account and complete certain qualifying transactions/conditions. Offer may be changed, cancelled or extended at any time. Additional terms and conditions apply, visit scotiabank.com/welcomeoffer.

Based on current monthly account fee of $30.95 for the Ultimate 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. (i) 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.

The Offer is only available on eligible new Scotiabank residential mortgages, transfers of existing eligible residential mortgages from another lender or financial institution to The Bank of Nova Scotia, and renewals of existing eligible residential Scotiabank mortgages. The minimum mortgage amount must be $100,000 and the mortgage must be set up as a residential closed term mortgage with a term of at least 1 year (each an “Eligible Mortgage”). Refinancings and applications for increases to existing Scotiabank mortgage amounts are excluded from this Offer. All mortgage applications are subject to meeting Scotiabank's standard credit criteria, residential mortgage standards and maximum permitted loan amounts. If transferring an existing Eligible Mortgage, prepayment charges with your current lender may be applicable if the mortgage has not reached its maturity date.

 

To qualify, the primary borrower or any co-borrower(s) of the Eligible Mortgage must not be current holders of a Scotiabank Chequing Account (as defined below) or be previous holders of a Scotiabank Chequing Account within the last two (2) years. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan. Employees of Scotiabank are also not eligible for the Offers.

 

Savings and reward earn potential in first 12 months includes welcome offer value, estimated first year point earn potential, estimated foreign transaction fee savings and airport lounge savings as of September 10, 2026. See offer details here.
 

$150 in travel points (15,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $3,000 within the first 3 months. 

$200 in travel rewards (20,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $10,000 within the first 6 months.

$100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus)..

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

$130 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); 

$363 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 September 10,2026.

Potential First Year Value = up to $1,351 (rounded down to $1,350)

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

Offer Description and Conditions: The 10% Cash Back, Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite + credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, between November 2, 2026 and April 30, 2027 (regardless of the date you apply for the Account) subject to the conditions below.  Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

 

10% Cash Back Offer Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Regular Cash Back Program Rate”) as described in the Scotia Momentum Visa Infinite + Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the Regular Cash Back Program Rate (variable by category as set out under the Program Terms); and (ii) a bonus rate that will vary depending on the Regular Cash Back Program Rate (the “Cash Back Bonus Rate”).  

 

Cash back earned under this Offer can be redeemed to your Account provided it is open and in good standing at the time of redemption:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be available for redemption to your Account after approximately 5 months from the Account open date or otherwise in accordance with the Program Terms.
2. Regular Cash Back: The amount earned under your Regular Cash Back Program Rate can be redeemed to your Account as described in the Program Terms.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period up to a total of $2,000 in purchases. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be as follows: 

 

(1) the Cash Back Bonus Rate earnings of $120 (6% x $2,000) (shown as an adjustment in your monthly statements), and (2) the Regular Cash Back Program Rate earnings of $80 (4% x $2,000) (shown in your monthly statements).

 

All other terms and conditions of the Program Terms continue to apply during and after the Promotional Period.

 

Introductory 0% Balance Transfer Rate Offer Conditions: The Introductory 0% Balance Transfer Rate Offer (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 12 months from date of Account opening (the “BT Rate Promotional Period”).  After the BT Rate Promotional Period, the promotional 0% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the BT Rate Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  A balance transfer fee of 2% of the amount of each Cash Advance transferred or made during the BT Rate Promotional Period applies (minimum fee of $5.00).   

 

This Rate Offer is subject to any Cash Advance limits on your Account. This Rate Offer is also subject to the approved credit limit that is being offered to you as of the date of this Rate Offer.  This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this Rate Offer was provided to you, it may not be processed. This Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. 

 

Losing your promotional rate: If we don’t receive the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on Cash Advances). 

 

How we apply payments: For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account. 

 

Annual Fee Waiver Offer Conditions: We will waive the annual fee for the primary card and each additional card issued between November 2, 2026, and April 30, 2027, on the Account for the first year only.

 

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

 

Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.   

 

See offer details here.

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 November 1, 2026 to March 1, 2027 (the “Offer Period”) to new and existing Scotiabank clients. Subject to the conditions below, clients are eligible for a 2.0% cash bonus of up to $4,000 (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.