Invest in the essentials

The Ultimate Package

Earn up to $700 when you bundle an Ultimate Package, savings account, and registered account.

The Preferred Package

Earn up to $700 when you bundle a Preferred Package, savings account, and registered account.

The Momentum^PLUS Savings Account

Take the stress out of saving with the Momentum^PLUS Savings Account and reward yourself with a great interest rate.

Special Offer for new Scotiabank eligible mortgage

Earn up to $700 when you bundle an eligible banking package, savings account, and registered account. Plus, pay no monthly account fees for up to a year by setting recurring payments to a new or renewed Scotiabank eligible mortgage.

New to Canada?

Join the award winning^± StartRight^TM Program designed for newcomers to Canada.^‡

The Money Master Savings Account

Enjoy an easier and more flexible way to build your savings, all while having access to your money at any time.

Scotiabank Passport^® Visa Infinite^* Card

Special offer:
Earn up to $1,300⁺ in value in the first 12 months, including up to 40,000 bonus Scene+ points.¹

Annual fee: $150

Interest rates: 20.99% purchases / 22.99% cash advances

Scotiabank Value^® 
Visa^* Card

0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).¹ Plus no annual fee in the first year.¹

Save up to hundreds of dollars a year on interest.

Annual fee: $29
Interest rates: 13.99% purchases / 13.99% cash advances

Scotia Momentum^® 
Visa^* Card

Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).¹

Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances

Life changes fast

The Scotia Total Equity^® Plan (STEP) Mortgage changes with it.^*

A STEP Mortgage gives you the flexibility to use the equity from your home when you need it.

Mortgage calculator

How much mortgage can you afford?

Auto loan payment calculator

Looking to buy a new car? We’ll do the math for you.

Scotiabank eHOME – the online mortgage hub

Get pre-approved, search for a home, and get mortgage approval online.

Discover how to take the next STEP

Find the mortgage that’s right for you.

Protect your biggest investment

Stay on track financially if the unexpected happens with optional Scotia Mortgage Protection.

Registered Retirement Savings Plan (RRSP)

An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.

Earn a 1.5% cash bonus on transfers into an eligible registered account.*

Tax-Free Savings Account (TFSA)

A TFSA is a great way to save for both short and long-term goals, with the flexibility to withdraw your money at any time without penalty.¹

Earn a 1.5% cash bonus on transfers into an eligible registered account.*

Savings Accelerator Account

Grow your savings faster within your investment plan with this high-interest savings account.

Introducing Scotia Smart Investor via Advice+

Now you can set, change, and track your financial goals and rest easy.

Talk about money. Without the stress.

Take the Money Style quiz to make conversations about money easier.

What you need to know about mutual funds

Your guide to the different types and how they work.

Understanding FHSA contribution limits

How you can use the FHSA to save toward your first home.

RRSP vs. TFSAs: Not sure about selecting an RRSP or a TFSA?

Dive into what you need to know about how they work.

New to digital banking?

Our step-by-step guides can help you start banking on your phone, tablet, or desktop computer.

3 debt repayment strategies every Canadian should know

Worried about your debt load? Learn how to help lighten it.