Interac Flash†
It’s fast, easy, secure and there’s no PIN needed
Is it right for me?
It’s perfect if you want a quick, safe way to pay for small purchases straight from your bank account.
Tell me about it
If your ScotiaCard displays the contactless symbol 
±, it comes with Interac Flash! Make sure the feature is enabled and you have an account setup as chequing for debit purchases on your ScotiaCard.
Flash your ScotiaCard over the card reader to pay and you’re done! Make purchases of $100 or less - no need to insert your card, enter your PIN or wait around for change!
Just like your chip and PIN purchases, Interac Flash† transactions will appear in Scotia Online Banking or on your statement so you can keep track of what you’ve spent.
Flash and Go in your Favourite Places!
Use Interac Flash† at these merchants and more. The list keeps growing! Visit www.interac.ca/en/interac-flash-consumer.html for the most up to date list of merchants.
Just look for the Interac Flash† symbol at the checkout
Safe and secure
You’re protected from fraudulent purchases by Interac’s Zero Liability policy***, the latest chip technology and as an added precaution each time you reach the $200 contactless spend limit, you will be prompted to insert your card and enter your PIN to complete a transaction.
Download the Scotiabank App
How do I use it?
FAQs
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.
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All trademarks shown are property of respective owners.
Registered trademarks of The Bank of Nova Scotia
Registered trademarks of SCENE IP LP, used under license.
Interac, the Interac logo, Interac Flash and Pay in a flash are trademarks of Interac Inc. Used under license.
The Contactless Indicator is a trademark of EMV Co. LLC. Under License.
Visa payWave™ is a Trademark of Visa Int./Lic.
Trademark of Visa Int., used under license.
Interac Flash purchases will be debited from your pre-selected chequing account linked to your card. If the purchase is above $100, the terminal will instruct you to insert the card and enter a PIN, like a regular chip transaction. Interac Flash transaction limit is $100 at select retailers accepting the Interac Flash debit card. If your card was issued prior to March 2013, your Interac Flash transaction limit is $50 at most retailers accepting the Interac Flash debit card and $100 at gas stations.
Interac Debit, Interac Flash, Interac Cash, Interac Online and Cross Border Debit to align with Interac Zero Liability policy mark