Banks
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Scotiabank

Advertiser Disclosure

About Bank

Scotiabank, headquartered in Toronto, is a leading financial institution with a rich history dating back to its founding in Halifax, Nova Scotia in March 1832. With branches and employees across the world, Scotiabank has built a strong presence in the banking industry. Offering essential and optional banking services, including Scotia Online and life banking, Scotiabank caters to a diverse range of customers.

The bank emphasizes essential cookies and information controls to protect customer data and privacy. In line with its commitment to a safer online experience, Scotiabank employs advertising and measurement services, along with advice tools, to enhance content and provide valuable insights. Customers can manage their accounts, access credit tools, and receive advice to make informed financial decisions through Scotia's digital platforms.

Scotiabank

Key Features

  1. Basics Plans. Scotiabank provides various basics plans, offering more options for customers to manage their accounts and money effectively.

  2. Financial Advice. Customers can access advice meet services to receive expert guidance on managing their finances and making informed decisions.

  3. Fraud Management. Scotiabank employs robust fraud management tools to safeguard accounts and money from unauthorized access and fraudulent activities.

  4. Analytics and Measurement. The bank utilizes analytics and measurement services to review and improve its offerings, ensuring customers receive optimal banking solutions.

Pros and Cons

Pros

Many Account and Loan Options. Scotiabank offers a wide range of account and loan options to cater to the diverse financial needs of its customers.

Lower Rates. Customers benefit from lower interest rates when opting for secured and home equity loans, providing cost-effective borrowing solutions.

Online Tax Preparation Service. Scotiabank enhances the banking experience by providing an online tax preparation service, simplifying the process for customers during tax season.

Cons

Interest Rate Information in Person Only. One drawback is that customers may need to visit a physical branch to obtain detailed interest rate information, potentially causing inconvenience.

Fees Associated with Accounts. Some accounts at Scotiabank may have associated fees, which could impact customers who prefer fee-free banking options.

Lower Interest Rates for Savings Accounts. While offering various banking services, Scotiabank's interest rates for savings accounts may not be as competitive as those offered by online-only banks.

Scotiabank Requirements

  1. Your Identification. To open an account or access certain features, Scotiabank typically requires valid identification. This could include a government-issued ID, such as a driver's license or passport, to verify your identity.

  2. Your Proof of Address. Providing proof of address is another essential requirement. This could be in the form of a utility bill, rental agreement, or any document that clearly displays your current address. This helps ensure that the bank has accurate information about your residence.

  3. Your Proof of Income/Occupation. Scotiabank may request proof of income or occupation when applying for specific financial products, such as loans or credit cards. This documentation helps the bank assess your financial stability and determine your eligibility for certain services.

  4. At Least 16 Years Old. To open an account with Scotiabank, individuals must be at least 16 years old.

  5. Canadian Resident or Here to Work or Study. Scotiabank accounts are available for Canadian residents or individuals who are in the country for work or study purposes.

  6. Not Opening a Joint Account. The requirement specifies that you are not opening a joint account, indicating an individual account opening.

  7. Not Opening this Account for Someone Else (a Third Party). Scotiabank expects that the account is being opened for personal use and not on behalf of someone else (a third party).

Access on the Go

In addition to operating 900 branches across Canada, Scotiabank provides customers with convenient digital banking options, allowing them to manage their finances on the go.

Scotiabank's online banking portal serves as a comprehensive platform, offering a range of features. Customers can seamlessly pay bills, transfer money, check their credit score, and monitor investments. The portal also enables users to receive alerts about account activity, ensuring they stay informed about their financial status.

For those who prefer banking on the go, Scotiabank offers a user-friendly mobile app. This app empowers customers to access their accounts conveniently from a cell phone or tablet. With the mobile app, users can check their account balances, deposit cheques, and move money between accounts with ease. Additionally, the app provides quick answers to common questions, enhancing the overall banking experience for customers who are constantly on the move.

Scotiabank's digital presence extends beyond its traditional banking services. The institution acquired Tangerine, an online bank, in 2012. This addition further expands Scotiabank's digital footprint, offering customers the flexibility of managing their finances through a digital-only banking platform.

Scotiabank Products

  1. Chequing Account. Scotiabank offers a variety of chequing accounts with certain features to suit different customer preferences and banking needs.

  2. Savings Account. Customers can choose from various savings accounts, each designed to help individuals and businesses save money while earning interest.

  3. Credit Cards. Scotiabank provides a selection of credit cards with different features, including rewards programs, cashback options, and travel benefits.

  4. Loans. Scotiabank offers various loan options, providing individuals and businesses with financial support for different purposes.

  5. Mortgages. The bank provides mortgage products to help individuals achieve their homeownership goals, offering a range of terms and interest rates.

  6. Investment Products. Scotiabank offers a diverse array of investment products, allowing customers to grow their wealth through different investment vehicles.

  7. Credit, Home, and Auto Protection. Customers can benefit from protection plans designed to safeguard their credit, homes, and automobiles, providing additional security and peace of mind.

  8. Chequing and Savings Accounts for Businesses. Scotiabank extends its banking services to businesses, offering specialized chequing and savings accounts to cater to their financial needs.

  9. Term Loans and Credit Lines for Businesses. Businesses can access term loans and credit lines from Scotiabank, providing financial flexibility to support their growth and operations.

  10. Business Credit Cards. Scotiabank offers business credit cards with features tailored to meet the unique spending and financial management requirements of businesses.

Scotiabank Services

  1. Banking Tools and Advice. Scotiabank offers essential banking tools and advice, including overdraft protection, to help customers manage their accounts and avoid overdrawing.

  2. Loan Selector Tools. The loan selector tools provided by Scotiabank assist customers in choosing the right loan options that suit their financial needs.

  3. Premium Banking. Premium banking services cater to customers seeking enhanced benefits, personalized attention, and exclusive perks for a more comprehensive banking experience.

  4. Professional Plans for Businesses. Scotiabank provides specialized professional plans tailored for businesses, addressing their unique financial requirements and facilitating smoother operations.

  5. Card Management Services. Scotiabank's card management services enable users to generate reports and make secure transfers, enhancing control and efficiency in financial transactions.

  6. Risk Management. The bank offers risk management solutions to help individuals and businesses identify, assess, and mitigate potential risks associated with their financial activities.

  7. Structured Finance. Scotiabank's structured finance services involve creating customized financial solutions for clients, addressing complex financial needs and optimizing their financial structure.

  8. Investment Banking. Scotiabank provides investment banking services, assisting clients with strategic financial decisions, mergers, acquisitions, and capital raising.

  9. Cash Management Services. Cash management services by Scotiabank assist businesses in efficiently handling their cash flow, optimizing liquidity, and improving financial management.

  10. Industry Expertise. Leveraging industry expertise, Scotiabank supports clients with tailored financial solutions, understanding the specific challenges and opportunities within their respective sectors.

Which associations does Scotiabank belong to?

  1. Canadian Bankers Association (CBA). Scotiabank is a proud member of the Canadian Bankers Association (CBA), contributing to the collective efforts of Canadian banks in addressing industry challenges and ensuring sound banking practices.

  2. Canada Deposit Insurance Corporation (CDIC). Scotiabank is a registered member with the Canada Deposit Insurance Corporation (CDIC). As a federal agency, CDIC insures deposits at all of Canada's chartered banks, including Scotiabank, providing added security for customers.

  3. Global ATM Alliance. Scotiabank is a member of the Global ATM Alliance, a collaborative venture among major international banks. This alliance allows Scotiabank customers to use their ATM cards or check cards at certain partner banks within the Global ATM Alliance without incurring fees when traveling internationally. Participating banks include Barclays (United Kingdom), Bank of America (United States), BNP Paribas (France and Ukraine through UkrSibbank), Deutsche Bank (Germany), and Westpac (Australia and New Zealand).

Bank Reliability

Scotiabank is recognized for its reliability, offering certain features like secure online banking settings and a safer experience for customers. With a global presence, it provides accounts and additional information with the intended goal of giving customers control over their finances. The bank's commitment to customer service, industry expertise, and financial advisor services contributes to a trustworthy and dependable banking experience.

Editorial Opinion

Scotiabank, a renowned financial institution, continues to be a key player in the banking sector of the country, offering a range of services that cater to diverse financial needs. With a global presence spanning across Europe and various countries, Scotiabank ensures a consistent banking experience for its customers. The emphasis on secure sign-in processes, user-friendly sites, and compatibility with various browsers enhances the overall accessibility and control that clients have over their accounts. The bank's strategic approach, evident in its signing initiatives and partnerships, contributes to a well-rounded financial service experience. While like any financial institution, it faces industry challenges, Scotiabank's commitment to adapting to evolving customer needs and maintaining a robust banking infrastructure positions it as a reliable choice for individuals and businesses alike.

Additional Resources

Sources

FAQ

Is Scotiabank a Canadian?

Yes, Scotiabank is a Canadian multinational bank with its headquarters in Toronto, Ontario, Canada.

Is the Scotiabank of Canada government-owned?

No, Scotiabank is not government-owned. It is a publicly-traded company listed on the Toronto Stock Exchange (TSX: BNS) and the New York Stock Exchange (NYSE: BNS).

Is Scotiabank a good bank?

Scotiabank is generally considered a reputable and well-established bank, offering a wide range of financial services. Its reputation is built on a long history of providing banking solutions both nationally and globally.

Is Scotiabank hard to get approved for?

The difficulty of approval for banking services at Scotiabank depends on individual financial circumstances and the specific product or service being sought. Like any financial institution, approval criteria vary, and factors such as credit history and income are considered in the application process.

Company documents

Terms of Access
Privacy Commitment

Our values: Respect, Integrity, Accountability and Passion.

© Scotiabank

Credit rating

i

Shows the level of financial reliability of a credit company

DBRS AA Superior credit quality

The capacity for the payment of financial obligations is considered high. Credit quality differs from AAA only to a small degree. Unlikely to be significantly vulnerable to future events.

Financial products
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Recommended FinScore™
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300
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1000.00 – 75000.00 C$
Rating by Finanso®
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Recommended FinScore™
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300
650
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10000.00 – 1500000.00 C$
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
5000.00 – 75000.00 C$
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
to 50000.00 C$
Term
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Loan term for the financial product

to 5 years
Scotiabank
Scotiabank® U.S. Dollar VISA Card
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Recommended FinScore™
0
300
650
1000
Scotiabank
L'earn® Visa Card
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
Scotiabank
SCENE® Visa Card for Students
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Recommended FinScore™
0
300
650
1000
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

9.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

12.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 22.99%
Scotiabank
ScotiaLine® Personal Line of Credit for Students
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Recommended FinScore™
0
300
650
1000
up to $100,000
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
1000.00 – 100000.00 C$
Scotiabank
Long-term mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
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Loan term for the financial product

10 years
Scotiabank
Short-term mortgage
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

2 years
Scotiabank
Open-term mortgage
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Recommended FinScore™
0
300
650
1000
Scotiabank
Closed-term mortgage
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Recommended FinScore™
0
300
650
1000
Scotiabank
Variable-rate mortgage
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Recommended FinScore™
0
300
650
1000
Scotiabank
Fixed-rate mortgag
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Recommended FinScore™
0
300
650
1000
Scotiabank
Guaranteed Investment Certificates (GIC)
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Rate
i

Effective interest rate on the product

up to 5.00%
Scotiabank
Registered Disability Savings Plan (RDSP)
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Scotiabank
Registered Retirement Savings Plan (RRSP)
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Rate
i

Effective interest rate on the product

up to 4.05%
Scotiabank
Tax-Free Savings Account (TFSA)
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$6,500 - $88,000
Rate
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Effective interest rate on the product

up to 4.05%
Scotiabank
Money Master Savings Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Rate
i

Effective interest rate on the product

0.010%
Scotiabank
Savings Accelerator Account
Rating by Finanso®
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Rate
i

Effective interest rate on the product

up to 1.500%
Scotiabank
MomentumPLUS Savings Account
Rating by Finanso®
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Rate
i

Effective interest rate on the product

up to 4.60%
Scotiabank
Basic Bank Account
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$3.95 monthly fee
Scotiabank
Getting There Savings Program for Youth
Rating by Finanso®
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$0 monthly fee
Scotiabank
Student Banking Advantage® Plan
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$0 monthly fee
Scotiabank
Basic Plus Bank Account
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up to $11.95 monthly fee
Scotiabank
Preferred Package
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up to $16.95 monthly fee
Scotiabank
Ultimate Package
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up to $30.95 monthly fee
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
to 200000.00 C$
Term
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Loan term for the financial product

to 20 years
Scotiabank
Motorcycle and leisure vehicle loans
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

6 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
to 200000.00 C$
Term
i

Loan term for the financial product

to 20 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
to 75000.00 C$
Term
i

Loan term for the financial product

to 5 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

to 5 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
to 200000.00 C$
Term
i

Loan term for the financial product

to 8 years
aggregation.company.all-products
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Recommended FinScore™
0
300
650
1000
up to $10.000
Coast Capital Savings
Personal Loan
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
$500-$50,000
Rate
i

Effective interest rate on the product

7.5%
Term
i

Loan term for the financial product

60 months
Mogo
Personal Loan
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
$500-$15,000
Rate
i

Effective interest rate on the product

up to 46.96%
Term
i

Loan term for the financial product

up to 60 months
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
200.00 – 1500.00 C$
Rate
i

Effective interest rate on the product

to 391.07 %
Term
i

Loan term for the financial product

to 14 days
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$15,000
Rate
i

Effective interest rate on the product

up to 46.9%
Term
i

Loan term for the financial product

up to 60 months
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.75% - 21.49%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $5,000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

21.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

21.99% - 22.99%
Mogo
Mortgage
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

4.46%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000-$100,000,000
Rate
i

Effective interest rate on the product

up to 4.95%
Term
i

Loan term for the financial product

up to 10 years
Think Financial
Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$50,000-$500,000
Rate
i

Effective interest rate on the product

up to 5.19%
Term
i

Loan term for the financial product

up to 25 years
CHIP Reverse Mortgage
Reverse Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100,000-$500,000
Rate
i

Effective interest rate on the product

up to 7.67%
Term
i

Loan term for the financial product

up to 25 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$10,000,000
Rate
i

Effective interest rate on the product

up to 4.94%
Term
i

Loan term for the financial product

up to 40 years
Toronto-Dominion Bank
TD Every Day Savings Account
Rating by Finanso®
i

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$0 monthly fee
Tangerine Bank
Savings Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Rate
i

Effective interest rate on the product

1.00%
Royal Bank of Canada
Savings Deposit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
no minimum deposit
Rate
i

Effective interest rate on the product

0.5%
Car Loans Canada
Car loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$7,500 - $59,995
Rate
i

Effective interest rate on the product

up to 31.99%
Term
i

Loan term for the financial product

up to 96 months
Rifco
Auto financing
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$100,000
Rate
i

Effective interest rate on the product

up to 31%
Term
i

Loan term for the financial product

up to 86 months
Eden Park
Car loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$50,000
Rate
i

Effective interest rate on the product

up to 22.9%
Term
i

Loan term for the financial product

up to 84 months
iA Auto Finance
Car loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$50,000
Rate
i

Effective interest rate on the product

up to 29.99%
Term
i

Loan term for the financial product

up to 84 months
Coast Capital Savings
Auto finance
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

from 4%
Term
i

Loan term for the financial product

from 84 months
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All Scotiabank’s reviews by may 2024
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