All trademarks shown are property of respective owners.
® Registered trademarks of The Bank of Nova Scotia
Scotia iTRADE® (Order-Execution Only Accounts) is a division of Scotia Capital Inc. (“SCI”). SCI is a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own investment decisions.
† The Interac logo, Interac Flash and Interac e-Transfer are registered trade-marks of Interac Corp. Used under license
* Visa Int./ Licensed User.
®* Registered trademarks of SCENE IP, LP, used under license.
®◊ Registered Trademark of Cineplex Entertainment LP, used under license.
™* Android, Google Play and Google Pay are trademarks of Google LLC.
Apple, the Apple logo, iPhone and iMessage are trademarks of Apple Inc., registered in the U.S. and other countries.
The Contactless Indicator is a trademark of EMV Co. LLC. Used under license.
1 For full details about our Online and Mobile Security Guarantee, visit www.scotiabank.com/guarantee.
3 Scene®* ScotiaCard® debit card: Earn 1 SCENE point for every $5 you spend on debit purchase transactions including Interac Flash and Visa Debit transactions from an eligible account using your Scene ScotiaCard debit card. Other conditions and limitations apply. Visit www.scotiabank.com/scene for complete details. General information: A card must be connected to a SCENE membership in order to earn and redeem SCENE points. SCENE points accumulated using a card will be updated within 2-3 days. SCENE points can only be redeemed at participating Cineplex Entertainment theatres, or online at www.scene.ca for other points offers (or rewards).
4 Passport ScotiaCard debit card: Earn 1 Scotia Reward Point for every $5 you spend on debit purchase transactions including Interac Flash and Visa Debit transactions from an eligible account using your Passport ScotiaCard Debit Card. Other conditions and limitation apply. Visit scotiarewards.com for complete details.
5 For more information on the SCENE program, please visit www.scene.ca/rewards
6 You will not be liable for losses resulting from unauthorized transactions. Refer to the ScotiaCard® Cardholder Agreement Liability section for more details.
7 Click here for more information on Visa Zero Liability.
8 Ultimate Package account holders receive an additional 0.10% annually added to the annual Regular Interest Rate of any MomentumPLUS Savings Account (the “0.10% Interest Rate Boost”) held by the Ultimate Package account holders. It will take 10 business days after opening an Ultimate Package account for the 0.10% Interest Rate Boost to apply to MomentumPLUS Savings Account(s). The 0.10% Interest Rate Boost will cease to apply effective the Ultimate Package closing date. The Regular Interest Rate plus the 0.10% Interest Rate Boost is calculated daily on the MomentumPLUS Savings Account(s) closing balance and paid monthly. Refer to the Current Rates Page on Scotiabank.com for current interest rates, which are subject to change at any time without advance notice.
9 Preferred Package account holders receive an additional 0.05% annually added to the annual Regular Interest Rate of any MomentumPLUS Savings Account (the “0.05% Interest Rate Boost”) held by the Preferred Package account holders. It will take 10 business days after opening a Preferred Package account for the 0.05% Interest Rate Boost to apply. The 0.05% Interest Rate Boost will cease to apply effective the Preferred Package closing date. The Regular Interest Rate plus the 0.05% Interest Rate Boost is calculated daily on the MomentumPLUS Savings Account(s) closing balance and paid monthly. Refer to the Current Rates Page on Scotiabank.com for current interest rates, which are subject to change at any time without advance notice.
10 If you open an Ultimate Package account (the “Account”), on or after the date you open the Account (“Account Open Date”) you will receive an annual fee waiver (“Annual Fee Waiver”), each year for as long as you have one eligible Scotiabank Credit Card account (an “Eligible Card”) and the Account.
You will receive the Annual Fee Waiver, even if you opened an Eligible Card prior to the Account Open Date.
Eligible Cards are the Scotiabank Gold American Express, Scotiabank Passport™ Visa Infinite*, Scotia Momentum® Visa Infinite and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change.
Each Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened.
The Annual Fee Waiver will be applied to the first annual fee for a primary Card charged on an Eligible Card after the Account Open Date.
If there is more than one Eligible Card after the Account Open Date, the Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date.
All other fees and charges applicable to the Eligible Card continue to apply.
Annual Fee Waiver will not be applied if your Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.
11 If you open a Preferred Package account (the “Account”), on or after the date you open the Account (the “Account Open Date”), you will receive an annual fee waiver for the first year only (the “First Year Annual Fee Waiver”) on one eligible Scotiabank Credit Card account (an “Eligible Card”) opened on or after the Account Open Date.
Eligible Cards are the Scotiabank Gold American Express, Scotiabank Passport™ Visa Infinite*, Scotia Momentum® Visa Infinite and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change.
Each Account can only receive one First Year Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened.
The First Year Annual Fee Waiver will be applied to the first annual fee for a primary card charged on an Eligible Card after the Account Open Date.
If there is more than one Eligible Card opened after the Account Open Date, the First Year Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date.
This First Year Annual Fee Waiver is only available for new Eligible Cards opened on or after the Account Open Date. Current or previous cardholders of an Eligible Card or cardholders that transfer to an Eligible Card on or after the Account Open Date will not receive the First Year Annual Fee Waiver.
All other fees and charges applicable to the Eligible Card continue to apply.
First Year Annual Fee Waiver will not be applied if the Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.
12 Ultimate Package holders will receive Ultimate Package GIC interest rates (“Ultimate Package GIC Rates”) on Long Term Non-Redeemable GICs with terms between 1 and 10 years, excluding Special Rate GICs, Market Linked GICs and Guaranteed Income Optimizer GICs. The Ultimate Package GIC Rates are subject to change without notice. For the latest Ultimate Package GIC Rates, contact your branch or call 1-800-4-SCOTIA. Interest is accrued daily on your GIC from the issue date up to, but not including, the maturity date. For Scotiabank GICs that pay interest during their term (monthly, semi-annually or annually) the last interest payment is paid at maturity.
13 Preferred Package account holders will receive Preferred Package GIC interest rates (“Preferred Package GIC Rates”) on Long Term Non-Redeemable GICs with terms between 1 and 10 years, excluding Special Rate GICs, Market Linked GICs and Guaranteed Income Optimizer GICs. The Preferred Package GIC Rates are subject to change without notice. For the latest Preferred Package GIC Rates, contact your branch or call 1-800-4-SCOTIA. Interest is accrued daily on your GIC from the issue date up to, but not including, the maturity date. For Scotiabank GICs that pay interest during their term (monthly, semi-annually or annually) the last interest payment is paid at maturity.
14 Account holders who have a Scotia iTRADE account (except for corporate and non-personal Scotia iTRADE accounts) qualify to be credited with the commissions associated with their first 10 online commissionable trades of equities, options, debentures ($24.99 per debenture trade) or ETFs (“Eligible Securities”) placed across all account holder(s)’ Scotia iTRADE accounts within the calendar year when they open the Ultimate Package account. In the second calendar year and thereafter, account holders qualify to be credited with the commissions associated with their first 5 online commissionable trades of Eligible Securities placed across all their Scotia iTRADE accounts during each year. Both the Ultimate Package account and Scotia iTRADE accounts must be in good standing on the last day of every month. Credits will be applied to the account holder’s non-registered Scotia iTRADE account, and, in its absence, to the account holder’s registered Scotia iTRADE account in CAD currency (converted from USD to CAD for trades executed in USD, using the applicable foreign exchange rate) within the first 10 business days of the month following the trades. To be eligible, the primary or joint account holder of the Ultimate Package account can be either the primary or joint account holder of the Scotia iTRADE account. Credits will appear as $4.99 or $9.99 per trade depending on the account trading activity: standard commissions are $9.99, if more than 150 trades are placed per quarter commissions are valued at $4.99 per trade, debenture commissions are valued at $24.99 per trade. Trades executed by a Trading Authority in the Scotia iTRADE account are also eligible. To qualify for you must not be in a disallowed debit position in your Scotia iTRADE accounts and not have any outstanding margin calls due in your Scotia iTRADE accounts. No cash redemption value. Free trades are limited to one per client. Only one account holder per each joint Ultimate Package account will be entitled to receive the credits for 10 or 5 free trades, as applicable, into their Scotia iTRADE account.
15 Unless otherwise expressly stated by Scotia iTRADE®, seminars, webinars and other educational tools and resources (collectively, "Content") are provided by independent third parties that are not affiliated with Scotia Capital Inc. or any of usdits affiliates. Scotia Capital Inc. and its affiliates neither endorse or approve nor are liable for any third party, third party products or services, third party Content, or investment loss arising from any use of the Content, including third party Content. Content is for general information and educational purposes only, is not intended to provide personal investment advice and does not take into account the specific objectives, personal, financial, legal or tax situation, or particular needs of any specific person. No information contained in the Content constitutes a recommendation by Scotia Capital Inc. to buy, hold or sell any security, financial product or instrument discussed therein. The information contained in the Content neither is nor should be construed as an offer or a solicitation of an offer by Scotia Capital Inc. to buy or sell securities. Scotia iTRADE does not make any determination of your general investment needs and objectives, or provide advice or recommendations regarding the purchase or sale of any security, financial, legal, tax or accounting advice, or advice regarding the suitability or profitability of any particular investment or investment strategy. You will not solicit any such advice from Scotia iTRADE and in making investment decisions you will consult with and rely upon your own advisors and not Scotia iTRADE and will seek your own professional advice regarding the appropriateness of implementing strategies before taking action. Scotia iTRADE does not provide investment advice or recommendations and you are fully responsible for your own investment decisions and any profits or losses that may result. Any information, data, opinions, views, advice, recommendations or other content provided by any third party are solely those of such third party and not of Scotia Capital Inc. or its affiliates, and Scotia Capital Inc. accepts no liability in respect thereof. No endorsement or approval by Scotia Capital Inc. or any of its affiliates of any third party product, service, website or information is expressed or implied by any information or material contained in or referred to in the Content, on the Scotia iTRADE website or in any other Scotia iTRADE communication. Scotia iTRADE is a division of Scotia Capital Inc.
16 The primary account holder of the Ultimate Package qualifies for a monthly account fee waiver on a Scotia® U.S. Dollar Daily Interest Account. The primary account holder on the Ultimate Package account can be either the primary or joint account holder on the Scotia® U.S. Dollar Daily Interest Account. If the primary account holder of the Ultimate Package had a Scotia® U.S. Dollar Daily Interest Account prior to activating an Ultimate Package the fee waiver will apply to the bill cycle following the activation of the Ultimate Package. Both accounts must be in good standing. Limit of one (1) Scotia® U.S. Dollar Daily Interest Account per Ultimate Package account.
17 The Ultimate Package monthly account fee is waived if a minimum daily closing balance of $5,000 is maintained for the entire month in the Ultimate Package. If the monthly balance of the Ultimate Package account is less than the daily minimum of $5,000 but has a combined minimum daily closing balance of $30,000 across the Ultimate Package account and MomentumPLUS Savings Account(s) for the entire month, the monthly account fee of the Ultimate Package account will be charged then rebated within the first 10 business days of the following month. The account must have sufficient funds to cover any fees, including the monthly fee. The account balance of one (1) Ultimate Package Account plus more than one (1) MomentumPLUS Savings Account(s) qualifies to pay no monthly fees on one (1) Ultimate Package account. Account holders of the Ultimate Package who are also account holders of the MomentumPLUS Savings Account(s) qualify.
18 Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the chequing account package.
19 Accountholders who add Overdraft Protection to their account will have the $5.00 Overdraft Protection fee automatically waived when the account is overdrawn. Interest will remain to be payable on overdrawn balances, calculated daily at 21% (per annum) and charged monthly. The account must have a positive balance at least once every 30 days. A $5.00 handling fee will be charged for each item that is paid while the account is overdrawn more than the authorized limit. Subject to approval.
20 The Ultimate Package account includes non-Scotiabank Interac+ ABM cash withdrawals in Canada and cash withdrawals at non-Scotiabank Visa* or PLUS* ABMs within and outside of Canada. Account holders may still be charged a convenience fee by the other bank and ABM operator, not by Scotiabank.
21 The account qualifies for one (1) book of 100 personalized cheques per calendar year per account. Account must be in good standing.
22 The Ultimate Package qualifies for unlimited Canadian and U.S. dollar drafts. Account must be in good standing.
23 The primary account holder of the Ultimate Package qualifies for a monthly account fee waiver on a Basic Plus Bank Account. The primary account holder on the Ultimate Package account can be either the primary or joint account holder on the Basic Plus Bank Account. If the primary account holder of the Ultimate Package had a Basic Plus Bank Account prior to opening a new Ultimate Package the fee waiver will apply to the bill cycle following the activation of the Ultimate Package. Limit of one (1) Basic Plus Bank Account per Ultimate Package account. Both accounts must be in good standing.
24 Subject to availability. Upon activation, the primary account holder of the Ultimate Package account who gets a safety deposit box will receive a $60.00 fee waiver (value of a small safety deposit box) applied annually as long as the account is in good standing. Limit of one (1) annual waiver per Ultimate Package account.
25 The Preferred Package account includes 1 free non-Scotiabank Interac+ ABM cash withdrawal within Canada per month. Access fee for each subsequent cash withdrawal at non-Scotiabank Interac+ ABMs will be charged $2.00 per withdrawal. Each cash withdrawal from non-Scotiabank Visa* or PLUS* ABMs will be charged $3.00 in Canada and the U.S. and $5.00 outside of Canada and the U.S. Account holders may still be charged a convenience fee by the other bank and ABM operator, not by Scotiabank.
26 The primary account holder of the Preferred Package qualifies for a monthly account fee waiver on a Scotia® U.S. Dollar Daily Interest Account. The primary account holder on the Preferred Package account can be either the primary or joint account holder on the Scotia® U.S. Dollar Daily Interest Account to qualify. If the primary account holder of the Preferred Package had a Scotia® U.S. Dollar Daily Interest Account prior to activating a Preferred Package the fee waiver will apply to the bill cycle following the activation of the Preferred Package. Limit of one (1) Scotia® U.S. Dollar Daily Interest Account per Preferred Package account. Both accounts must be in good standing.
Sign In
