Celebrate the Lunar New Year with Scotiabank

NO PURCHASE OR ACCOUNT OPENING NECESSARY. Contest runs from January 22nd, 2026 at 12:00:01 am (ET) to March 31st, 2026 at 11:59:59 pm (ET). Open to Canadian residents over age of majority. Limit one initial entry and 10 additional entries per person. Limit one prize per person. Two prizes available, each consisting of two artist proofs (approx. value: $2,000 CAD per prize). Skill-testing question required. Odds depend on number of entries received. Some conditions apply. See full rules at: https://arm6.scotiabank.com/en-ca/#fullRules

The "AP edition" (Artist Proof edition) represents a select group of prints personally proofed by the artist, chosen for their exceptional quality. Master Chang’s artist proof image size including boarder space is 27 1/8"x 56 3/4".

Scotiabank StartRight® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.

Value of up to $2,300 is calculated as follows: i) up to $583.30 first year value with the StartRight^TM Program + ii) Up to $2,083 in Preferred Package, a registered account and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:

 

i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRight^TM clients as of November 1, 2025:

• $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
• $280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer);
• $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade)

Actual value will depend on individual usage of the StartRight^TM Program features and products. Conditions apply. All products and features are subject to change.

ii) Value of up to $2,083 in Scotiabank welcome offer value, first year point earn potential and foreign transaction fee savings includes the following as of November 1, 2025:

• $700: $500 for new Preferred and Ultimate Package clients who complete certain qualifying conditions. Clients who are eligible for the $500 offer can then get an extra $100 with a new Money Master Savings account and/or an extra $100 with a new eligible registered account when they complete certain qualifying transactions; 
• $350 in travel rewards (35,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months;
• $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months);
• $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients;
• $136 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by card issuers);
• $381 in first year point earn potential (38,100 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 20% in 2X accelerator categories;
• $366 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on ‘Preferential’ membership valued at approx. CAD$366/USD$259). Currency conversion as at April 9, 2025.
  
  Actual offers and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

The Scotiabank (the "Bank") Refer A Friend (the "Program") is available from January 4, 2022.

For the purposes of this Program, the following definitions apply:

1. "Friend or family member" means people the Referrer has a close personal or family relationship with and who the Referrer is in regular contact with.
2. "Referrer" means an existing Scotiabank eligible client who refers a friend or family member under the Program.
3. "Referee" means a friend or family member of the Referrer who meets program eligibility requirements and who has been referred by the Referrer under the Program.

Eligibility:

The Program is available only to select Scotiabank clients (Referrers) and the Referees they refer who have received an email directly from ARM Marketing Inc., on behalf of Scotiabank, inviting them to participate in the Program.

Both Referrer and Referee must be the age of majority in their jurisdiction of residence.

Referees that have been previously referred through the Program or that have unsubscribed from receiving Scotiabank emails at any time prior to being referred are not eligible to participate in the Program.

Referees of personal banking clients must not have any active Scotiabank personal banking products, services or accounts (with the exception of personal auto loans).

Referees of small business banking clients must:

• not have any Scotiabank small business banking products, services or accounts, and
• be a small business owner or operator

 

How to Make a Referral:

Selected Scotiabank clients (Referrers) will receive an invitation email with a personalized link to a website where they can provide the names and contact information of eligible friends or family members they wish to refer to Scotiabank.

Identified friends and family members (Referees) will then be sent a personalized email containing a unique code at the email address provided with an invitation to schedule a meeting with a Scotiabank Financial Advisor.

 

Referee Reward Conditions:

A digital gift card reward (the "Reward") will be given to both the Referrer and the Referee provided all conditions set out in these Terms and Conditions are met.

For both the Referrer and Referee to earn the Reward, the Referee must within 60 days of their invitation to participate being sent, complete the following actions ("All Actions"):

1. Schedule a meeting with a Scotiabank Financial Advisor
2. Attend and complete the meeting with the Scotiabank Financial Advisor
3. Provide the Scotiabank Financial Advisor with the unique code assigned to them on the original referral email they received from Scotiabank.

Upon successfully completing All Actions, both Referrer and Referee will each be sent a reward redemption email with instructions for how to redeem their respective Rewards. By participating in this Program and accepting a Reward, the Referee understands and agrees that while the Referrer will not receive any of the Referee's confidential banking details, the Referrer will know that the Referee has successfully completed the Reward conditions (i.e. has met with a Scotiabank Financial Advisor).

Referrer and Referee will have 30 days from the date of their reward redemption email to redeem their Reward by visiting the Reward redemption website at the unique link provided in their email. After 30 days, this unique link will expire and will no longer be accessible. Once the Referrer and Referee redeem their Reward on the redemption website, they will receive another email within approximately 5 business days with a downloadable version of their selected Reward. The Reward must be downloaded within 30 days or the Reward will expire. Once downloaded, digital gift card Rewards do not expire. In those cases in which a Referrer or Referee has a unique link or downloadable Reward that has expired, they may request a new link at Scotiabank's discretion at referral@mygift.scotiabank.com.

Referrers may refer up to fifteen (15) eligible friends or family members, however, Rewards will only be paid to the Refer for up to ten (10) successful eligible referrals.

Referees must complete All Actions (i.e., meet with a Scotiabank Financial Advisor) within 60 days of their invitation to participate being sent. Only the first ten (10) Referees who successfully complete All Actions will be eligible to receive a Reward.

 

Limitations:

A Referee's assigned referral code is unique to them and is not transferable and may not be sold or mass distributed. Once the Referee's unique code has been submitted, it can't be reversed or cancelled. Each Referee may only use the referral code once.

Referees may only receive one referral code regardless of the number of Referrers that may have referred them. If a Referee has already received a referral code from another Referrer, the Referrer will not be eligible for a Reward.

This Program may only be used for personal, non-commercial purposes.

The Bank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time without prior notice. In the event of conflict, these Terms and Conditions will prevail over any of the contents of any brochure, promotional materials or statements, or any other communication regarding this Program, whether written or oral from the Bank, except where otherwise stated.

The Bank reserves the right at its sole discretion to, without advance notice, terminate or suspend the Program, in whole or in part, or modify it in any way.

The Bank reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke this Program for any person it finds or believes to be manipulating or otherwise abusing the process, fairness, or integrity of the Program or otherwise becomes ineligible. Rewards earned through fraudulent activities or activities in violation of these Terms and Conditions will be null and void.

For clients onboarded as a part of the Scotiabank StartRight® Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at https://www.scotiabank.com/international-money-transfer.