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Sending money abroad is now faster than your commute
Now enjoy fast, trackable transfers with $0 transfer fees* with Scotia International Money Transfer.**
Don't have an account? Become a Scotia customer.
More rewarding than ever
Earn up to 50,000 bonus Scene+ points®* when you send money abroad.1
Now available in 73 countries. Send money directly to accounts in new destinations like Pakistan, Vietnam, and South Korea, plus enjoy faster transfers to India, Mexico, China, France, United Kingdom, and many more.
Introducing the upgraded Scotia International Money Transfer, with all new and enhanced benefits
$0 transfer fees
Send money internationally directly from your Scotiabank account with no transfer fees.
Convenience
Do it all in one platform with the bank you trust.
Fast track your transfers
Delivery is quick with most transfers completed within 1 hour.2
Expanded global reach
Send money to 73 destination countries worldwide.
Full transparency
Know your transfer fees, exchange rate, and delivery estimate before you send.
Track every transfer
Stay updated with real-time tracking at every step.
Safe and secure
Your money is protected from unauthorized activity by Scotiabank’s Security Guarantee.
Support life's bigger moments
Send more when it matters most, with transfer limits of up to CAD $15,000 per day and CAD $25,000 per week.
How to send money in a few simple steps
Step 1
Sign in to the Scotia app or online banking and tap Move Money.
Step 2
Tap international transfers, select country then tap Compare and send.
Step 3
Enter the amount, then tap bank deposit.
Step 4
Enter your recipient’s details, review your transfer and send.
Speed meets trust
Send money internationally with confidence through Scotiabank. Fast track your transfers with bank-level security.
Frequently Asked Questions
Money transfer fees will be temporarily waived. Offer may be changed or withdrawn at any time without notice. Standard fees will apply once the waiver offer has ended.
Foreign currency exchange rates still 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 www.scotiabank.com/international-money-transfer.
Scene+ Bonus Offer Terms and Conditions
The Bonus Scene+ Point Offer (the “Offer”) is available to eligible clients who send money using Scotiabank’s International Money Transfer (“IMT”) service through the IMT Web or Mobile App platforms. Clients can earn Scene+ bonus points based on their cumulative IMT volume during their individual qualifying period, subject to the terms and conditions set out below.
Eligibility
This Offer is only available to clients who have received this Offer directly from Scotiabank and is not transferable. Clients must have a Scotiabank Chequing or Savings account that earns Scene+ points (“Eligible Account”) and be issued a Scene+ Debit Card on their Eligible Account.
Qualifying Transactions
Only IMT transactions that are successfully completed and posted during the Qualification Period will qualify (“Eligible Transfers”). Cancelled, reversed, failed, disputed, or refunded transfer transactions are excluded.
Qualification Period
Each client will be tracked over a 12‑month (365‑day) period, starting from the date of their first Eligible Transfer (the “Qualification Period”), which must be made between September 1, 2026 and August 31, 2027. All Eligible Transfers completed within the client’s Qualification Period will be aggregated into a cumulative total, up to a maximum threshold of $100,000.
Bonus Tier Structure
Scene+ bonus points are awarded based on the client’s cumulative Eligible Transfer amount during their Qualification Period as follows:
Cumulative IMT Volume Send/Year | Scene+ Bonus Points |
Send $2,500 to $4,999/year | 250 points |
Send $5,000 to $14,999/year | 750 points |
Send $15,000 to $24,999/year | 5000 points |
Send $25,000 to $99,999/year | 10,000 points |
Send $100,000/year | 50,000 points |
Spend threshold tiers are not stackable.
Where a client progresses to a higher tier within their Qualification Period, bonus points will be awarded only for the incremental difference between tiers previously rewarded.
The maximum Scene+ point bonus a client can earn is 50,000 points per Qualification Period regardless of their total cumulative Eligible Transfer amount exceeds CAD$100,000 within that Qualification Period.
Where a client progresses to a higher tier within the same Qualification Period, bonus points will be awarded only for the difference between points previously awarded for the lower tier. For example, if a client has made CAD$6,000 in Eligible Transfers to earn 1,000 bonus points and spends an additional CAD$4,000 in the same Qualification Period, if they have already been awarded 1,000 points they will only be awarded an additional 1,000 points as the maximum award they are eligible for is 2,000 based on their total cumulative Eligible Transfer amount of CAD$10,000.
Once a client achieves the highest tier within the Qualification Period, they will no longer be tracked for the purposes of this Offer.
Bonus Point Fulfillment: The applicable point bonus(es) will be credited within approximately 60 days after meeting a tire spend threshold, provided the Eligible Account is open and in good standing. Clients must have a valid Scene+ membership, and their Eligible Account must be open, at the time of fulfilment in order to receive bonus points. For joint accounts, the applicable point bonus will be credited to the Scene+ account linked to the Eligible Account of the primary accountholder.
General Conditions
Scene+ points have no cash value and are subject to the Scene+ Program Terms & Conditions. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers unless otherwise permitted by Scotiabank. Fraudulent activity, abuse, or manipulation of the Offer may result in disqualification and forfeiture of Scene+ points.
Potential value in 1st year. Conditions and assumptions apply. For more details, visit https://startright.scotiabank.com/ca/en.html.
Foreign currency exchange rates apply. Conditions and exclusions apply. For Ultimate Package customers and customers onboarded as a part of the Scotiabank StartRight® Program, we do not charge a transfer fee for the transfer, however, foreign currency exchange rates apply.
A transfer needs to be made from an eligible CAD Scotiabank Chequing or Savings account.