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Rates
See the latest rates for all our productsWe bring you competitive interest rates every day, and from time to time we also offer special promotional rates on a variety of products.
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Scotiabank Prime
Scotiabank Prime Lending Rate [prime_rate]
Effective [prime_rate_date]
Reference Rates
Bank of Canada Overnight Target Rate [bank_of_canada_rate]
Effective Date [bank_of_canada_rate_date]
CAD Scotiabank Reference Rate* [cad_bns_rate]
Effective Date [cad_bns_rate_date]
US Federal Funds Target Rate** [usd_fed_rate]
Effective Date [usd_fed_rate_date]
USD Scotiabank Reference Rate* [usd_bns_rate]
Effective Date [usd_bns_rate_date]
Foreign Currency Accounts
Interest Rate for EUR Accounts1 (0%)
Effective Date October 1, 2022
Business Interest-Bearing Accounts
These accounts allow you to perform your daily operations as well as providing a competitive interest rate on your balances in Canadian and U.S. dollars.
Credit Cards
Our cards offer a variety of benefits, rewards, and interest rates.
Loans & Mortgages
Whether you're looking to buy a home or make a larger purchase, our borrowing options have you covered.
Savings Accounts
Earn interest with any of our savings accounts, including U.S. and Euro accounts.
GICs
Consider our GIC products when you're looking for a rate of return that is guaranteed for the investment term.
Registered Plans
We have registered plans to suit many different life stage needs - from RSPs, RESPs, and RDSPs.
Mutual Funds
Choose from 58 different mutual funds, including balanced, equity, index, cash equivalent and more.
Foreign Exchange
Need to buy, sell, or transfer foreign currency? We're here to assist you.
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CAD Scotiabank Reference Rate and USD Scotiabank Reference Rate are reference interest rates set by the Bank of Nova Scotia from time to time and are subject to change without notice.
The highest number in the range set by the Federal Open Market Committee (FOMC).
EUR accounts currently bear negative interest in the manner specific specified in Your Guide to Fees and Interest Schedules. The Negative Interest Rate for EUR Accounts is set by the Bank of Nova Scotia from time to time and is subject to change without notice.