Personal banking advice and solutions for practising dentists
Banking that grows with you throughout your career
Personal banking solutions for practising dentists
The Scotiabank Healthcare+ Dentist Banking ProgramΔ offers customized solutions to meet your unique needs as a dentist. In addition to preferred benefits, this includes banking solutions created with dental professionals like you in mind.
Personal Line of Credit
- Preferred interest rate of Prime -0.25%1
- No annual fee
Scotiabank
Ultimate Package
- Monthly account fee waiver with no minimum balance required (approximate value of $371/year)2
- Earn $300 cash3 when you open a new Scotiabank Ultimate Package by September 30, 2022
- Unlimited debit transactions4, Interac e-Transfer† transactions and Scotia International Money Transfers5
- Up to $139 annual fee waiver each year on select credit cards6
- Earn an additional 0.10% interest on your MomentumPLUS Savings Account7
- Unlimited free Global non-Scotiabank ABM withdrawals8

Scotiabank PassportTM Visa Infinite* Card
- Save the annual fee9
- Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel)10
- Earn up to 2X Scene+ points on eligible purchases11
- Complimentary airport lounge membership including 6 free visits per year12 (value of $300)
- No foreign transaction fees on foreign currency purchases made on your card (only the exchange rate applies)13 and comprehensive insurances14
To qualify, the customer must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000
Preferred annual interest rates are 19.99% on purchases and 22.99% on cash advances, annual fee $139 for primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter

Scotiabank Gold American Express® Card
- Save the annual fee15
- For a limited time, earn up to 45,000 bonus Scene+ points in your first year16 (reward value of up to $450)
- Earn up to 5X Scene+ points on eligible purchases17
- No foreign transaction fees on foreign currency purchases made on your card (only the exchange rate applies)13 and comprehensive insurances14
- Preferred annual interest rates are 19.99% on purchases and 22.99% on cash advances, annual fee $120 for primary card, $29 for each additional supplementary card

Mortgages and Home Equity Lines of Credit
- Flexible solutions with preferred rates for dental associates and practice owners on fixed, closed and variable rate mortgage terms18
- For dental associates and new-to-practice dentists, the mortgage amount qualified for is based on estimated projected income19
- Preferred interest rate of Prime -0.25%1 on Scotiabank Personal Line of Credit under the Scotia Total Equity® Plan (STEP)
- Option to earn Scene+ points on your mortgage advance and cashback on your annual interest payments20
- Miss-a-Payment and Match-a-Payment option21
- Portability of your mortgage
Private Banking solutions for practising dentists
As a dentist, continuing to build your practice, focusing on your family and planning for what’s next creates new and different financial opportunities. With Scotia Wealth Management Private Banking, you can simplify your life with a single point of contact for both your personal and practice banking needs.
We place a heavy emphasis on being responsive, working with a sense of urgency to prioritize your needs and requests. You can transact with confidence, meaning fewer delays or challenges and more time for you to focus on your dental practice and your family.
As a Private Banking client, you have access to banking and credit solutions for your personal and practice needs all in one place
- Reduced Private Banking monthly service package fee of $75 for your household, for up to five accounts22
- Dedicated Private Banker and Associate, including access to their network of wealth management specialists
- Access to our innovative Total Wealth Credit Solution™, a flexible borrowing platform that allows you to take advantage of investment opportunities using any combination of real estate, investment portfolios and/or insurance as loan collateral
- Complimentary access to Pursuits™ our concierge and travel management platform
- Preferred foreign exchange rates
- Annual fee waived for Scotiabank Passport™ Visa Infinite* Card23. No foreign currency conversion mark-up applies to foreign currency transactions made - only the exchange rate applies13. You also receive six complimentary airport lounge visits12.
- 10,000 Scene+ point welcome gift to use in theatres or online
Your Scotia Wealth Management Private Banker can provide credit solutions that support your immediate and long-term investment needs. As a credit strategist with expertise in debt structuring we will work directly with you to consider:
- Your personal investment objectives
- Assets held personally or through professional corporations
- Tax-efficiency
- Funding of interest expenses
- When it comes to service and proactivity, insight and innovation are essential to maximize your opportunities and enable your life
Frequently asked questions
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Find the right Healthcare Specialist for your personal needs.

Scotiabank Healthcare Specialists
To learn more, contact a Healthcare Specialist or call Scotiabank Healthcare+ at 1-888-222-3918

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To be eligible for the Dentist Banking Program benefits you must be a Canadian resident that meet one of the following conditions:
- Enrolled in a Canadian university dental degree program
- Has been accepted or is completing a dental residency in Canada
- Dentist with a DDS or DMD and licensed to practice dentistry in a Canadian province or territory
- Retired dentist with a DDS or DMD and has practiced dentistry in a Canadian province or territory
$300 Cash Offer for Ultimate Package Conditions: To qualify for the $300 cash offer for Ultimate Package (“Offer”), you must:
- Open a new Ultimate Package (“Eligible Account”) by September 30, 2022; and
- Complete any two (2) of the following activities in your Eligible Account within 60 days of Eligible Account opening:
- Make at least one (1) eligible online bill payment† of at least $50 through the Scotiabank Mobile App or through Scotia OnLine, or
- Set up and clear a minimum of two (2) separate eligible recurring pre-authorized transactions† with a minimum value of at least $50 per transaction which will each recur monthly for a minimum of three (3) consecutive months, or
- Set up and clear at least one eligible automated and recurring direct deposit†, such as payroll or pension, which will recur monthly for a minimum of three (3) consecutive months.
†Click here for a list of eligible direct deposits, pre-authorized transactions and online bill payments. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction or bill payment is eligible for the Offers. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Offers.
Eligibility and Exclusions: Individuals who are currently holders of a Scotiabank Chequing Account are not eligible for the Offers. Individuals who were previously holders of a Scotiabank Chequing Account within the last two (2) years are not eligible for the Offers. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan. Employees of Scotiabank are also not eligible for the Offers.
General Terms: The $300 cash bonus for Ultimate Package will be deposited to the Eligible Account within six (6) months from account open date provided all Offer conditions outlined above have been met. The Eligible Account must be open and in good standing until the time of payout of the cash bonus. The Eligible Account is not in "good standing" if: (i)it has a negative balance exceeding the authorized overdraft limit, or (ii)it has been in continuous overdraft for a period of three consecutive months. These Offers are non-transferable and may not be duplicated. Limit of one (1) Offer per customer, regardless of the number of Eligible Accounts opened. If more than one (1) Eligible Account is opened, only the first Eligible Account opened will be eligible for the Offer. For joint accounts, only one (1) cash bonus Offer will be applied to the primary account holder’s Eligible Account. All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers
The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by July 4, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.
Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 25,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 4, 2022.
10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.
The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).
Rates and Fees: The current annual fee is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter.
The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.
You will earn 2 points per $1 on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theaters, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year.
You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account.
Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. Scene+ points must be redeemed within 60 days of Account closure or they will be deleted permanently. If your Account is not in good standing, the accumulated Scene+ points are not eligible for redemption.
The 45,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by July 4, 2022 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
45,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must open a new Account by July 4, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional 20,000 bonus Scene+ points (the “Extra 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.
The 25,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The Extra 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change
You will earn the accelerated Scene+ points (5X or 3X as applicable) under the Scene+ program (the “Program”) if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ point for every $1 charged to the Scotiabank American Express® credit card (the “Account”) once that foreign currency has been converted into Canadian dollars.
Scene+ points are awarded for purchases charged to Account. Scene+ points earn rate: The first accelerated earn rate is 5 Scene+ points (as applicable) per $1 charged to the Account for purchases in Canadian currency at merchant locations classified as Groceries, Dining and Entertainment. The second accelerated earn rate is 3 Scene+ points (as applicable) per $1 charged to the Account for purchases in Canadian currency at merchant locations classified as Gas, Daily Transit and Select Streaming Services. The regular earn rate is 1 Scene+ point per $1 for all other purchases charged to the account. Merchants qualifying for the accelerated earn rate: The accelerated earn rates applies to purchases made at American Express merchants in the Grocery Stores and Supermarkets (Merchant Code: 5411), Dining including Eating Places and Restaurants, Drinking Places, and Fast Food Restaurants, and Delivery of Food as a primary business. (Merchant Code: 5812, 5813, 5814, 5824, 5967 and 7311). Entertainment including Motion Picture Theatres, Theatrical Producers and Ticket Agencies, Bands, Orchestras and Miscellaneous Entertainers (Merchant Code: 7832, 7922, 7929) and 3X points for Gas including Gas Service Stations (with or without Ancillary Services) and Automated Fuel Dispensers (Merchant Code: 5541 and 5542). Daily Transit including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not elsewhere Classified) (Merchant Code: 4121, 4111, 4112, 4131, 4784, 4789). Select Streaming Services including (4899, 5967, 5969, 7399) and whose primary business and related services as identified by Scotiabank are eligible streaming services (excluding gaming). Eligible streaming service merchants are subject to change. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by American Express in another manner, in which case this added benefit would not apply. Spend threshold for the accelerated earn rate: The first and second accelerated earn rate applies to the first $50,000 in purchases annually on the Account, at merchants qualifying for the accelerated earn rate, which will be calculated from January 1st to December 31st each year. Once you exceed this threshold, you will continue earning points at the regular earn rate of 1 point per $1 in purchases. Eligibility: Cash advances (including Balance Transfers, Scotia Credit Card Cheques and Cash-Like Transactions), interest, fees or other charges, card payments and returns, refunds or other similar credits do not earn Scene+ points. Scene+ points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.