Personal Banking Support

Financial relief measures available to support our customers during COVID-19.

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Personal Banking support measures

Mortgage payment deferral

Learn more and apply to defer mortgage payments.

Request online Learn more about Defer mortgage payments

Auto or Scotia Plan Loan payment deferral

Learn more and apply to defer loan payments.

Request online Learn more about Defer Auto or Scotia Plan Loan payments

Credit card payment deferral

Learn more and apply to defer credit card payments.

Request online Learn more about Defer credit card payments

Line of credit payment deferral

Learn more and apply to defer Line of Credit payments.

Request online Learn more about Defer line of credit payments

Set up direct deposit

Learn how to set up direct deposit and get your CERB or CESB payment quicker.

Learn more Learn more about Set up direct deposit

Investments & Scotia iTRADE®

Learn more about accessing your investments and about self-directed investing with iTRADE. 

Learn more Learn more about Investments & iTRADE

Financial Relief FAQs

Visit COVID-19 Updates and FAQs for a complete list of FAQs.

Financial relief measures

If you, or any member of your family, has become unemployed or experiences a material reduction in income due to COVID-19, you may be eligible to qualify for relief measures. On a case-by-case basis, we’ll be working with our customers to make sure that they find solutions that will help address financial hardships caused by COVID-19. 

Relief measures are available to you to help ease financial pressures. Learn more about eligibility and how to apply below.

Scotiabank is here to help our customers navigate this uncertain time. For individual Canadians who are facing hardships as a result of COVID-19, we have a financial relief program in place that includes assistance with mortgages, personal loans, lines of credit and credit cards. If you’ve been affected, we want to hear about your situation and work together to find a solution.

Whether you reach us today, tomorrow, or later this week, we are here for you. You can reach out to your financial advisor or call our Contact Centre. Please understand that we are dealing with a higher-than-usual volume of calls right now. To enable us to dedicate resources where they are needed most, we ask our customers to give priority to those with urgent concerns.

Interac e-Transfer Transaction and Stop Payment Fees

To support customers impacted by COVID-19, we are implementing temporary fee relief measures for Interac e-Transfer transaction fees and Stop Payment fees for all Retail, Small Business, and Commercial Banking customers.

From April 21 to June 30, 2020, the $12.50 and $20 Stop Payment fee and the $1 Interac e-Transfer transaction fee will be waived. These transactions will automatically appear with a $0 fee when transaction occurs.

Note: If you are a Business Banking customer and need assistance, please visit our Business Banking FAQs or connect with your Relationship Manager. 

Learn more about our financial relief measures:

For all other financial relief measures, you should contact your financial advisor or call 1-800-4-SCOTIA. As a reminder, wait times are longer-than-normal currently due to a high volume of calls.

Deferred payments as part of Scotiabank’s COVID-19 relief measures will not be reported to the credit bureaus as missed payments so they will not impact your credit score as a traditional missed payment might. However, your credit score is based on many factors, including the balance owing on your Scotiabank product, and is unique to you.  

If you have any questions about your credit score or how it is calculated, you can visit TransUnion or Equifax Canada.

Bank Your Way

Step-by-step instructions and demos to help you carry out your day-to-day banking from home.

Visit Bank Your Way Learn more about Bank your way