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 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
Get it on Google Play


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.

You might also be interested in: 

Visa payWave

Instead of using change to pay for coffees, snacks and other small items, just wave your card and go.

More Details , Visa payWave™
Interac e-Transfer 

When you’re looking for a quick and secure way to send money to a Canadian bank account, Interac e-Transfer is your answer.

More details, Interac e-Transfer 

Where do I start? 

In a branch

Find a Scotiabank branch

Find a branch or ABM

Customer Service