Interac Flash^†

When you get a ScotiaCard with Interac Flash^†, you’ll need to opt into the Interac Flash^† feature. We’ll also ensure an account is setup as chequing for debit purchases so that you can use the Interac Flash feature.

Absolutely. Your Interac Flash^† transactions are eligible for the Bank The Rest^®, Moneyback, and SCENE^®* programs. All your transactions will be recorded online or in your banking statements.

Most of the time, you won’t need your PIN if your total is less than $100. However, some stores have lower limits. In those cases, you may have to enter a PIN even if your amount is less than $100.

Occasionally, you’ll need to insert your card and enter your PIN even when the total is low. This is a safety measure to help ensure you’re the only one using your Interac Flash^† card. 

No, there are no extra fees. It counts just like a regular debit transaction. So if you pay account fees on debit transactions that fee will also apply to all Interac Flash^† transactions.

You can still make chip & PIN purchases using your ScotiaCard if you do not see the contactless symbol displayed on your card.

Each Interac Flash purchase is protected by a $100 maximum limit. When a maximum cumulative $200 contactless spend limit is reached, you will be asked to insert your card and enter your PIN to complete a transaction. And remember all debit card purchases are protected by Interac’s Zero Liability policy.

No, currently Interac Flash is only accepted at merchants in Canada who display the Interac Flash symbol.