Personal Scotiabank Line of Credit and ScotiaLine® for business Visa Credit Card system enhancements

At Scotiabank, we are committed to providing products and services to better serve you now and into the future. From August 15 – 19, 2025, we are undertaking system enhancements as part of our ongoing efforts to enhance both our products and services. 

Our latest system enhancements are also designed to support recent changes to your accounts

1. How we Apply your Minimum Payments
2. When we Prepare your Statements
3. How we Calculate Interest

For more information, visit scotiabank.com/notice-of-changes

The system enhancement window will begin August 15, 2025 and is expected to be completed by August 19, 2025.

You should be able to continue to use your Personal Scotiabank Line of Credit or ScotiaLine® for business Visa Credit Card during this time; however, some features will be temporarily unavailable or have intermittent access through the mobile banking app, online banking, contact centre, and branches.

Transaction details (including pending transaction), payments, and account balances may not be up to date. Advisors in the contact centre and branches will also not have up to date transaction details, payments and account balances during this time. Account information will be updated by August 19, 2025. Thank you for your patience.

You should still be able to use your Personal Scotiabank Line of Credit or ScotiaLine® for business Visa Credit Card during the system enhancements from August 15 to August 19, 2025.

You can report the card as lost or stolen and request a replacement by calling the contact centre. 

If you have a ScotiaLine® access card or ScotiaLine® for business Visa credit card that has been lost, stolen or damaged, call us as soon as possible at: 

1-800-472-6842

1-866-267-4726 (Relay services for Deaf, deafened, and hard of hearing customers) 

If you have misplaced your ScotiaLine® access card, the Scotiabank card lock feature gives you the ability to temporarily lock your card in the mobile banking app. 

Please note the lock feature will not be available from August 15 to August 19, 2025. During that time, if your card is lost or stolen, please call us to cancel it and request a new one. After August 19, 2025, the feature will once again be available and you will be able to lock or unlock your card in the app if needed: 

1. Select My accounts, then your ScotiaLine® access card
2. Select Manage
3. Under Settings, select Lock or unlock card

Due to the system enhancements from August 15 to August 19, 2025, some clients may experience a delay in receiving some of their Scotia InfoAlerts. 

Thank you for making a payment on your Personal Scotiabank Line of Credir or ScotiaLine® for business Visa. During this system enhancement, transaction details and account updates may be delayed or unavailable. We recommend that you only make one payment on your account and wait until August 19, 2025, to confirm payment status.

You will not be able to apply, cancel, or modify creditor insurance from August 15 to August 19, 2025, in any  channel (mobile banking app, online banking, contact centre or branch). Please try again after 11:00 am EST on August 19, 2025. Thank you for your patience and we apologize for any inconvenience. 

You should be able to activate your ScotiaLine® access card or ScotiaLine® for business Visa Credit Card until August 16 by visiting www.scotiabank.com/activate , making a purchase using your existing PIN, or by calling us. 

From August 17 to August 18, 2025, the best way to activate your Personal Scotiabank Line of Credit Account or ScotiaLine® for business Visa Credit Card will be to call us using the number on the back of your card and speaking with one of our customer service representatives. 

During the system enhancements, transaction and account details could be unavailable or display outdated balances.  Account information will be updated by August 19, 2025.

If you pay more than the outstanding balance owing on your Personal Scotiabank Line of Credit account or Scotialine for business Visa credit card account at any time (including any past due and overlimit amount), then the excess amount (i.e. overpayment) will result in a credit balance on your account. 

Note: A credit balance does not increase your available credit or your credit limit.

We generally authorize transactions up to your credit limit (while we may allow you to go overlimit from time to time, we are not required to do so).

For illustration purposes only:

Your credit limit: $10,000

Balance owing on account that month: $9, 000

Available credit remaining: $1,000

Payment received to account: $15,000

Balance owing after payment: $0

Your credit limit (no change): $10,000

New Available Credit after payment:  $10,000

Credit Balance (once $15,000 payment is posted) - $6,000

If you have a credit balance on your credit account, you can call us at 1-800-472-6842 or visit your local branch to discuss how to receive a credit balance refund or to apply that balance to another account you have with us