Personal Banking | Scotiabank Canada

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Insurance Corporation</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/change-your-account.html"> <span>Change your account</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/regulatory-information.html"> <span>Regulatory information</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/ways-to-bank/international-money-transfer.html"> <span>International Money Transfer</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Resources</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/tips-to-reduce-banking-fees.html"> <span>Tips to reduce fees</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/banking-basics/banking-made-easy.html"> <span>Banking made easy</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/banking-basics/be-rewarded-for-your-banking.html"> <span>Be rewarded for your banking</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/banking-basics/save-automatically.html"> <span>Save automatically</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/banking-basics/simpler-ways-to-save.html"> <span>Simpler ways to save</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/banking-basics/how-to-switch-to-scotia.html"> <span>Chequing easy switch guide</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/students.html"> <span>The Student Hub</span> </a> </li> </ul> </li> </ul> <a class="mm--dropdown-viewall" href="/ca/en/personal/bank-accounts.html">View All</a> </div> </li>  <li class="mm--nav-item item--has-dd">  <a id="nav-item-4" href="/ca/en/personal/credit-cards.html" class="mm--nav-link" data-toggle="mm--dropdown" data-href="/content/scotiabank/ca/en/personal/credit-cards.html" aria-expanded="false"> <span>Credit Cards</span> </a>  <span class="sr-only"> </span>  <div id="dd4" class="mm--dropdown">  <ul class="mm--dropdown-sections" role="menu"> <li>  <p class="mm--section-title">Card types</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/cash-back.html"> <span>Cash back credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/travel.html"> <span>Travel & lifestyle credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/no-annual-fee.html"> <span>No annual fee credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/low-interest.html"> <span>Low interest credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/sceneplus.html"> <span>Scene+ rewards credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/students.html"> <span>Student credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/programs-services/newcomers/startright/credit-cards.html"> <span>Newcomer credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/award-winning-credit-cards.html"> <span>Award-winning credit cards</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Services</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/activate-your-credit-card.html"> <span>Activate your credit card</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/manage-your-credit-card.html"> <span>Manage your credit card</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/order-supplementary-cards.html"> <span>Order supplementary credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/ways-to-bank/debit-credit-card-purchases/click-to-pay.html"> <span>Click to Pay - easy, secure online checkout</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/selectpay.html"> <span>Scotia SelectPay - Installment payment plans</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/creditor-insurance/creditor-insurance/scotia-credit-card-protection.html"> <span>Scotia Credit Card Protection insurance</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Resources</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/help-centre-credit-cards-faqs.html"> <span>Credit Card FAQs</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-your-way/digital-banking-guide/credit-cards.html"> <span>Digital banking guide - credit cards</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/manage-your-credit-card/welcome-kits.html"> <span>Credit cards welcome kits</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/manage-your-credit-card/redeem-your-points.html"> <span>How to redeem your points</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/fees.html"> <span>Credit card fees at a glance</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/rates-prices/credit-card-rates.html"> <span>Credit card interest rates</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-your-way/digital-banking-guide/banking-basics/credit-score.html"> <span>Checking your credit score</span> </a> </li> <li role="menuitem"> <a href="/ca/en/security.html"> <span>Security and fraud</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Tools</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/compare-credit-card-rewards.html"> <span>Credit card calculators and tools</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/scene-points-rewards-calculator.html"> <span>New! Credit card rewards calculator</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/help-me-choose-master.html"> <span>Find the credit card that is right for you</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/credit-cards/american-express/compare-american-express-credit-cards.html"> <span>Compare American Express Credit Cards</span> </a> </li> </ul> </li> </ul> <a class="mm--dropdown-viewall" href="/ca/en/personal/credit-cards.html">View All</a> </div> </li>  <li class="mm--nav-item item--has-dd">  <a id="nav-item-5" href="/ca/en/personal/mortgages.html" class="mm--nav-link" data-toggle="mm--dropdown" data-href="/content/scotiabank/ca/en/personal/mortgages.html" aria-expanded="false"> <span>Mortgages</span> </a>  <span class="sr-only"> </span>  <div id="dd5" class="mm--dropdown">  <ul class="mm--dropdown-sections" role="menu"> <li>  <p class="mm--section-title">Advice</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/mortgages/home-financing-advisors.html"> <span>Connect with a home financing advisor</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/buying-another-property.html"> <span>Buying another property</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/existing-homeowners.html"> <span>Existing homeowners</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/mortgage-renewal.html"> <span>Mortgage renewal</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/first-time-homebuyers.html"> <span>First-time homebuyers</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/home-renovation.html"> <span>Renovations</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/understanding-mortgage-prepayments-charges.html"> <span>Understanding mortgage prepayments and charges</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/conventional-vs-collateral-mortgage.html"> <span>Conventional vs. collateral mortgage charges</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Products</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/mortgages/scotiabank-ehome.html"> <span>Scotiabank eHOME</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/scotia-total-equity-plan-step.html"> <span>Scotia Total Equity® Plan (STEP)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/fixed-rate.html"> <span>Fixed rate mortgages</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/variable-rate.html"> <span>Variable rate mortgages</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/switch-to-scotiabank-program.html"> <span>Switch to Scotiabank program</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/mortgage-programs.html"> <span>Mortgage Special Offers and Programs</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/secondary-home.html"> <span>Second home mortgages</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/creditor-insurance/creditor-insurance/scotia-mortgage-protection.html"> <span>Scotia Mortgage Protection insurance</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Resources</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/mortgages/mortgage-calculator.html"> <span>Mortgage calculator</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/articles.html"> <span>Mortgage articles</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/glossary.html"> <span>Mortgage glossary</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/mortgage-tools.html"> <span>Mortgage tools</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/online-banking.html"> <span>Manage your mortgage online</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/solicitor-forms.html"> <span>Solicitor / Notary</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/videos.html"> <span>Mortgage videos</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/rates-prices/mortgages-rates.html"> <span>Mortgage rates </span> </a> </li> </ul> </li> </ul> <a class="mm--dropdown-viewall" href="/ca/en/personal/mortgages.html">View All</a> </div> </li>  <li class="mm--nav-item item--has-dd">  <a id="nav-item-6" href="/ca/en/personal/loans-lines.html" class="mm--nav-link" data-toggle="mm--dropdown" data-href="/content/scotiabank/ca/en/personal/loans-lines.html" aria-expanded="false"> <span>Loans & Lines of Credit</span> </a>  <span class="sr-only"> </span>  <div id="dd6" class="mm--dropdown">  <ul class="mm--dropdown-sections" role="menu"> <li>  <p class="mm--section-title">Loans</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/personal-loan.html"> <span>Scotia Plan® Loan</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/auto-loan.html"> <span>Auto loans</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/grad-auto-loan.html"> <span>Grad auto loans</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/auto-finance-program.html"> <span>StartRight auto finance program</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/marine-boat-loans.html"> <span>Marine & boat loans</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/recreational-vehicle-loan.html"> <span>Recreational vehicle (RV) loan</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Lines of Credit</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/line-of-credit/scotialine-personal-line-of-credit.html"> <span>ScotiaLine® Personal Line of Credit</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/total-equity-plan/scotialine-personal-line-of-credit-step.html"> <span>ScotiaLine® Personal Line of Credit (STEP)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/line-of-credit/scotialine-personal-line-of-credit-students.html"> <span>ScotiaLine® Personal Line of Credit for students</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/line-of-credit/rsp-catch-up-line-of-credit.html"> <span>Scotia RSP catch-up line of credit</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Tools</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/auto-loan/auto-loan-payment-calculator.html"> <span>Auto loan payment calculator</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/personal-loan/personal-loan-calculator.html"> <span>Personal loan calculator</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Borrowing basics</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/borrowing-basics/building-a-good-credit-history.html"> <span>Building a good credit history</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/borrowing-basics/loan-vs-lease-decision.html"> <span>The loan or lease decision</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/borrowing-basics/lower-your-overall-cost-borrowing.html"> <span>Lower your overall cost of borrowing</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/mortgages/articles/financing-your-home-renovations.html"> <span>Financing Your Home Renovations</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/loans-lines/how-to-choose-a-vehicle.html"> <span>How to choose a vehicle</span> </a> </li> </ul> </li> </ul> <a class="mm--dropdown-viewall" href="/ca/en/personal/loans-lines.html">View All</a> </div> </li>  <li class="mm--nav-item item--has-dd">  <a id="nav-item-7" href="/ca/en/personal/investing.html" class="mm--nav-link" data-toggle="mm--dropdown" data-href="/content/scotiabank/ca/en/personal/investing.html" aria-expanded="false"> <span>Investments</span> </a>  <span class="sr-only"> </span>  <div id="dd7" class="mm--dropdown">  <ul class="mm--dropdown-sections" role="menu"> <li>  <p class="mm--section-title">Get started</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/investing/investment-plans-options.html"> <span>Plans</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/investment-products.html"> <span>Products</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/direct-investing.html"> <span>Direct investing</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/financial-advisor.html"> <span>Talk to a Scotia advisor</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Plans</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/investing/retirement-savings-plans.html"> <span>Registered Retirement Savings Plans (RRSP)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/tax-free-savings-account.html"> <span>Tax-Free Savings Accounts (TFSA)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/first-home-savings-account.html"> <span>First Home Savings Account (FHSA)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/registered-education-savings-plan.html"> <span>Registered Education Savings Plans (RESP)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/retirement-income-funds.html"> <span>Registered Retirement Income Funds (RRIF)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/disability-savings-plan.html"> <span>Registered Disability Savings Plan (RDSP)</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Products</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/investing/guaranteed-investment-certificates.html"> <span>Guaranteed Investment Certificates (GICs)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/bank-accounts/savings-accounts/savings-accelerator-account.html"> <span>Savings Accelerator Account</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/scotia-funds-mutual-funds.html"> <span>Invest with Mutual Funds</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/scotia-funds-portfolio-solutions.html"> <span>Scotia Portfolio Solutions</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/scotia-funds-portfolio-solutions/scotia-essentials-portfolios.html"> <span>Scotia Essentials Portfolios</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/scotia-exchange-traded-funds.html"> <span>Scotia Exchanged Traded Funds (ETFs)</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Resources</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/investing/investing-basics.html"> <span>Investing basics</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/pre-authorized-contributions.html"> <span>Pre-Authorized Contributions (PAC)</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/investment-specialists.html"> <span>Scotiabank Investment Specialists</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/regulatory-disclosures.html"> <span>Regulatory disclosures</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/wealth-management.html"> <span>Wealth management</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/fees-at-a-glance.html"> <span>Investment account fees</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Tools</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/investing/scotia-smart-investor.html"> <span>Scotia Smart Investor</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/investment-tools.html"> <span>Investment calculators and tools</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/investment-tools/money-finder-personal-budgeting-calculator.html"> <span>Money finder budgeting calculator</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/retirement-savings-plans/retirement-savings-calculator.html"> <span>Retirement savings calculator</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/investing/tax-free-savings-account/tfsa-calculator.html"> <span>TFSA calculator</span> </a> </li> </ul> </li> </ul> <a 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role="menuitem"> <a href="/ca/en/personal/creditor-insurance/creditor-insurance/scotia-credit-card-protection.html"> <span>Scotia Credit Card Protection insurance</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/creditor-insurance/creditor-insurance/scotia-plan-loan-life-disability-protection.html"> <span>Scotia Plan Loan Life & Disability Protection insurance</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/creditor-insurance/creditor-insurance/scotia-business-loan-protection.html"> <span>Scotia Business Loan Protection insurance</span> </a> </li> <li role="menuitem"> <a href="/ca/en/personal/creditor-insurance/creditor-insurance/scotia-loan-protection.html"> <span>Scotia Loan Protection insurance</span> </a> </li> </ul> </li> <li>  <p class="mm--section-title">Travel Insurance</p>  <ul class="mm--section-nav" role="menu"> <li role="menuitem"> <a href="/ca/en/personal/creditor-insurance/travel-insurance.html"> <span>Travel insurance</span> </a> </li> 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src="/content/dam/scotiabank/canada/homepage/personal/01-2025/CC-Passport-Infinite-Visa-tile-686x387-EN.jpg" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><b><span class="subtitle-1">Earn up to $1,300 in value<sup>†</sup></span></b></h3> <p>Get more of what matters with the Scotiabank Passport<sup>®</sup> Visa Infinite<sup>*</sup> Card.</p> </div> <div> <a target="_self" id="HP-Featured-CC-PVI-EN" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/visa/passport-infinite-card.html" data-cta="home-page-tile" data-analytics="tile:featured:1:CC-PVI:feb10-2025"> Learn more <span class="fas fa-chevron-right"></span> <span class="sr-only"> Learn more about this special offer </span> </a> </div> </div> <link rel="stylesheet" href="/etc.clientlibs/scotiabank/clientlibs/bns.card-marketing.min.3d43c4001e3acad8e8477450f8d23bcb.css" type="text/css"> <script src="/etc.clientlibs/scotiabank/clientlibs/bns.card-marketing.min.0364eb972dea0fa2f44f0f8e6fe3374c.js"></script> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout compass-ocean dark-bg"> Special Offer </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/12-2024/Scotia_iTRADE_Winter_Tile_686x386.jpg" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><b><span class="subtitle-1">If you can manage your family’s calendar, you can manage your investments</span></b></h3> <p>New clients get up to $10,000 cash and $4.99 stock and ETF commission pricing with Scotia iTRADE.<sup>®*</sup></p> </div> <div> <a target="_self" id="HP-Featured-iTRADE-Winter-Offer-EN" class="standalone-link button_color_blue" href="https://www.scotiaitrade.com/en/home/winter-offer-triage.html" data-cta="home-page-tile" data-analytics="tile:featured:2:iTRADE-Winter-Offer:jan2-2025"> Learn more <span class="fas fa-chevron-right"></span> <span class="sr-only"> Learn more about this special offer </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout compass-ocean dark-bg"> Special Offer </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/11-2024/N2C-homepage-686x386-v1.jpg" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><b><span class="headline-small"><span class="subtitle-1">New to Canada?</span></span></b></h3> <p>Newcomers can <b>earn up to $2,200<sup>*</sup> in value in the first year </b>with <i>StartRight</i><sup>TM</sup><i>.<br /> </i><br /> <sup>*Potential value in 1st year. Certain conditions and assumptions apply.</sup></p> </div> <div> <a target="_self" id="HP-Featured-N2C-EN" class="standalone-link button_color_blue" href="https://startright.scotiabank.com/ca/en/newcomers-to-canada.html" data-cta="home-page-tile" data-analytics="tile:featured:3:N2C:jan2-2025"> StartRight offer details <span class="fas fa-chevron-right"></span> <span class="sr-only"> Learn more about this StartRight offer </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer xs"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/08-2024/hp-tile-reset-password-686x386.jpg" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><b><span class="subtitle-1">Change or reset your password online or on the app</span></b></h3> <p>Locked out of your account? Need to change your password?</p> </div> <div> <a target="_self" id="HP-Featured-password-EN" class="standalone-link button_color_blue" href="/ca/en/personal/bank-your-way/digital-banking-guide/banking-basics/update-your-password.html" data-cta="home-page-tile" data-analytics="tile:featured:4:password:aug1-2024"> Learn to update your password <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout compass-ocean dark-bg"> New </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/03-2024/RCT_Tile.jpg" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><b><span class="subtitle-1">Discover your credit card rewards</span></b></h3> <p>Enter your monthly spending details to compare Scotiabank’s credit card benefits and calculate your rewards.</p> </div> <div> <a target="_self" id="HP-Featured-RCT-EN" class="standalone-link button_color_blue" href="https://www.scotiabank.com/ca/en/personal/credit-cards/scene-points-rewards-calculator.html" data-cta="home-page-tile" data-analytics="tile:featured:4:RCT:may1-2024"> Use the rewards calculator <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/08-2023/3005326_RISE_686x386_V2.png" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1"><b>ScotiaRISE, a commitment to the future</b></span></h3> <p>10 years, $500 million, 1 program for the future. ScotiaRISE promotes economic resilience and creates new opportunities for disadvantaged groups. </p> </div> <div> <a target="_self" id="HP-Featured-ScotiaRise-EN" class="standalone-link button_color_blue" href="https://www.scotiabank.com/ca/en/about/responsibility-impact/scotiarise.html" data-cta="home-page-tile" data-analytics="tile:featured:5:ScotiaRise:feb1-2024"> See how we help <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> </div> </div></div> <div class="rec-tab-panel"><div class="rec--tabpanel hidden" role="tabpanel" id="accounts-panel" aria-labelledby="accounts" aria-hidden="true"> <div> <div class="heading"> <div class="bns--title title--h2 text-center"> <div class="text-none text-black"> <h2> Accounts<br /> </h2> <small class="sub-heading"><p>Keep your finances on track with an account that gives you flexibility and control over your money.</p> </small> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer sm"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/d2d/images/Ultimate_Package_tile.png" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">The Ultimate Package<br /> </span></h3> <p><b>Earn up to $800</b> with an Ultimate Package and eligible investment plans.</p> </div> <div> <a target="_self" id="HP-Acc-TheScotiabankUltimatePackage" class="standalone-link button_color_blue" href="/ca/en/personal/bank-accounts/chequing-accounts/ultimate-package.html" data-cta="home-page-tile" data-analytics="tile:accounts:1:ultimate package:may 1"> Open your account now <span class="fas fa-chevron-right"></span> <span class="sr-only"> About The Scotiabank Ultimate Package </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/d2d/images/Preferred_Package_spring_tile.png" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">The Preferred Package<br /> </span></h3> <p><b>Earn up to $800</b> with a Preferred Package and eligible investment plans.</p> </div> <div> <a target="_self" id="HP-Acc-The-Scotiabank-Preferred-Package" class="standalone-link button_color_blue" href="/ca/en/personal/bank-accounts/chequing-accounts/preferred.html" data-cta="home-page-tile" data-analytics="tile:accounts:2:preferred package:dec1"> Open your account now <span class="fas fa-chevron-right"></span> <span class="sr-only"> About The Preferred Package </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/common/imagery/campaigns/MPSA/MPSA_HP_Tile_686x386.png" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1"><b>The Momentum<sup>PLUS</sup> Savings Account</b><br /> </span></h3> <p>Take the stress out of saving with the Momentum<sup>PLUS</sup> Savings Account and reward yourself with a great interest rate.</p> </div> <div> <a target="_self" id="HP-Acc-MomentumPlusSavingsAccount" class="standalone-link button_color_blue" href="/ca/en/personal/bank-accounts/savings-accounts/momentum-plus-savings-account.html" data-cta="home-page-tile" data-analytics="tile:accounts:3:mpsa:feb2023"> Start saving now <span class="fas fa-chevron-right"></span> <span class="sr-only"> with the Momentum Plus Savings Account </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/05-2022/Scotiabank_eligible_mortgage_686x386.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Special Offer for new Scotiabank eligible mortgage</span></h3> <p><b>Earn up to $800 </b>with a Scotiabank banking package and eligible investment plans<b>.</b> Plus, pay <b>no monthly account fees for up to a year</b> by setting recurring payments to a new or renewed Scotiabank eligible mortgage.</p> </div> <div> <a target="_self" id="HP-Acc-Eligible-Mortgage" class="standalone-link button_color_blue" href="/ca/en/personal/bank-accounts/chequing-accounts/package-features.html?id=mortgageoffer" data-cta="home-page-tile" data-analytics="tile:accounts:4:eligible-mortgage:may 9"> Get offer <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout purple dark-bg"> Special Offer </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/11-2024/N2C-homepage-686x386-v2.jpg" alt class="enhanced-motion-zoom"/> </div> </div> <div class="card-content"> <div> <h3><b><span class="headline-small"><span class="subtitle-1">New to Canada?</span></span></b></h3> <p>Newcomers can <b>earn up to $2,200<sup>*</sup> in value in the first year </b>with <i>StartRight</i><sup>TM</sup><i>.<br /> </i><br /> <sup>*Potential value in 1st year. Certain conditions and assumptions apply.</sup></p> </div> <div> <a target="_self" id="HP-Accounts-N2C-EN" class="standalone-link button_color_blue" href="https://startright.scotiabank.com/ca/en/newcomers-to-canada.html" data-cta="home-page-tile" data-analytics="tile:accounts:3:N2C:aug1-2024"> StartRight offer details <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/images/2570548_Tile_Students_686x386.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1"><b>Student Banking Advantage<sup>®</sup> Plan</b></span><br /> </h3> <p>A worry-free account matched for student life. </p> </div> <div> <a target="_self" id="HP-featured-sbap-en" class="standalone-link button_color_blue" href="/ca/en/personal/bank-accounts/students/student-banking-advantage-plan.html" data-cta="home-page-tile" data-analytics="tile:accounts:6:sbap:feb2"> Open your account now <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="_row"> <div class="spacer md"></div> <div class="row "> <div class="col-md-6 transparent grid-right "> <div class="spacer-wrapper"><div class="spacer"></div></div> <span class="_bns--button"> <span class="button "> <a id="HomePage:Accountstab:CTA:EN" class="bns_button button-link primary-button rectangle-button red-button " href="/ca/en/personal/bank-accounts/chequing-accounts.html" target="_self" data-cta="home-page-tab-button" data-analytics="Accountstab:View-all-bank-accounts"> <span class="text ">View all bank accounts<span class="sr-only"> </span></span> </a> </span> <link rel="stylesheet" href="/etc.clientlibs/scotiabank/clientlibs/bns.button.min.453cdf7c8ba80765939b3b246c79de2f.css" type="text/css"> <script src="/etc.clientlibs/scotiabank/clientlibs/bns.button.min.a0abea901250cfd6fcef79c85cde3e9f.js"></script> </span> </div> <div class="col-md-6 transparent grid-left "> <div class="spacer-wrapper"><div class="spacer"></div></div> <span class="_bns--button"> <span class="button "> <a id="HomePage:Accountstab:CTA:EN" class="bns_button button-link primary-button rectangle-button red-button " href="/ca/en/personal/bank-accounts/savings-accounts.html" target="_self" data-cta="home-page-tab-button" data-analytics="Accountstab:View-All-savings-accounts"> <span class="text ">View all savings accounts<span class="sr-only"> </span></span> </a> </span> </span> </div> </div> <div class="spacer md"></div> <link rel="stylesheet" href="/etc.clientlibs/scotiabank/clientlibs/bns.gridrow.min.896e8b437b330186812dbca037b642c9.css" type="text/css"> <script src="/etc.clientlibs/scotiabank/clientlibs/bns.gridrow.min.a4df1966b90d77b8005ed80a2dac481e.js"></script> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> </div> </div></div> <div class="rec-tab-panel"><div class="rec--tabpanel hidden" role="tabpanel" id="credit-cards-panel" aria-labelledby="CreditCards-eng" aria-hidden="true"> <div> <div class="heading"> <div class="bns--title title--h2 text-center"> <div class="text-none text-black"> <h2> Credit cards<br /> </h2> <small class="sub-heading"><p>Browse all the Scotia cards so you can choose the one that’s right for you.</p> </small> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer sm"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout dark-grey dark-bg"> Travel & Lifestyle </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/credit-cards/images/category/en/PassportVisaInfinite_V0421_MC_Eng.png" alt/> </div> </div> <div class="card-content"> <div> <h3 style="text-align: center;"><span class="subtitle-1">Scotiabank Passport<sup>®</sup> Visa Infinite<sup>*</sup> Card</span></h3> <p><b><span class="subtitle-1">Special offer:</span><br /> </b>Earn up to <b>$1,300<sup>+</sup> in value</b> in the first 12 months, including up to<b> 40,000 bonus Scene+ points</b>.<sup>1</sup></p> <p style="text-align: center;"> </p> <p><span>Annual fee: </span><b>$150</b><br /> </p> <p><span>Interest rates: </span><b>20.99%</b><span> purchases / </span><b>22.99%</b><span> cash advances</span></p> </div> <div> <a target="_self" id="PassportVisaInfinite-Tile-Eng" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/visa/passport-infinite-card.html" data-cta="home-page-tile" data-analytics="tile:creditcards:1:passport-visa-infinite-card:dec9-2021"> View more card details <span class="fas fa-chevron-right"></span> <span class="sr-only"> for the Scotiabank Passport Visa Infinite credit card </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low bg-white light-bg "> <div class="callout dark-grey dark-bg"> CASH BACK </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/credit-cards/images/category/en/MomentumVisaInfinite_MC_en.png" alt/> </div> </div> <div class="card-content"> <div> <h3 style="text-align: center;"><span class="subtitle-1"><i>Scotia Momentum</i><sup>®</sup> Visa Infinite<sup>*</sup> Card</span></h3> <p><b><span class="subtitle-1">Special offer:</span><br /> </b>Earn <b>10% cash back</b> on all purchases for the first 3 months (up to $2,000 in total purchases).<sup>1 </sup>No annual fee in the first year, including on additional cards.<sup>1</sup></p> <p style="text-align: center;"> </p> <p><span>Annual fee: </span><b>$120<br /> </b><span>Interest rates: </span><b>20.99%</b><span> purchases / </span><b>22.99%</b><span> cash advances</span></p> </div> <div> <a target="_self" id="ScotiaMomentumVisaInfiniteCard-Tile-Eng" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/visa/momentum-infinite-card.html" data-cta="home-page-tile" data-analytics="tile:creditcards:2:momentum-visainfinite-card:dec9-2021"> View more card details <span class="fas fa-chevron-right"></span> <span class="sr-only"> for the Scotia Momentum Visa Infinite credit card </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low bg-white light-bg "> <div class="callout dark-grey dark-bg"> Travel & lifestyle </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/credit-cards/images/category/en/AmexGold_GoldLogo_MC_En.png" alt/> </div> </div> <div class="card-content"> <div> <h3 style="text-align: center;"><span class="subtitle-1">Scotiabank Gold American Express<sup>®</sup> Card</span></h3> <p><b>Special offer:</b><br /> Earn up to <b>$750<sup>*</sup> in value</b> in the first 12 months, including up to <b>40,000 bonus Scene+ points</b>.<sup>1</sup></p> <p> </p> <p>Annual fee: <b>$120</b><br /> Interest rates: <b>20.99%</b> purchases / <b>22.99%</b> cash advances</p> </div> <div> <a target="_self" id="AmericanExpressGold-Tile-Eng" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/american-express/gold-card.html" data-cta="Tile:ViewCardDetails-CategoryTriage-Eng" data-analytics="tile:creditcards:3:american-express-gold-card:dec13-2021"> View more card details <span class="fas fa-chevron-right"></span> <span class="sr-only"> for the Scotiabank Gold American Express Card </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer xs"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low bg-white light-bg "> <div class="callout dark-grey dark-bg"> REWARDS </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/credit-cards/images/category/en/ScenePlus_Visa_NoName_MC_En.png" alt/> </div> </div> <div class="card-content"> <div> <h3 style="text-align: center;"><span class="headline-small"><span class="subtitle-1">Scotiabank® Scene+™ </span></span></h3> <h3 style="text-align: center;"><span class="headline-small"><span class="subtitle-1">Visa* Card</span></span></h3> <p><b><span class="subtitle-1">Special offer:</span><br /> </b>Earn up to<b> 7,500 bonus Scene+ points</b> within your first 3 months.<sup>1</sup></p> <p style="text-align: center;"> </p> <p><span>Annual fee: </span><b>$0<br /> </b><span>Interest rates: </span><b>20.99%</b><span> purchases / </span><b>22.99%</b><span> cash advances</span></p> </div> <div> <a target="_self" id="ScotiaSceneVisaCard-Tile-Eng" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/visa/scene-card.html" data-cta="home-page-tile" data-analytics="tile:creditcards:4:scene-visa-card:july19-2023"> View more card details <span class="fas fa-chevron-right"></span> <span class="sr-only"> for the Scotia Scene Plus Visa credit card </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout dark-grey dark-bg"> Low Interest </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/credit-cards/images/category/en/ValueVisa_MC_eng.png" alt/> </div> </div> <div class="card-content"> <div> <h3 style="text-align: center;"><i></i><span class="subtitle-1"><i></i></span><i></i><b><span class="subtitle-1"><i>Scotiabank Value</i><sup>®</sup> <br /> Visa<sup>*</sup> Card</span></b></h3> <p><b>0.99% introductory interest rate</b> on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).<sup>1</sup> Plus no annual fee in the first year.<sup>1</sup></p> <p style="text-align: left;"> </p> <p>Save up to hundreds of dollars a year on interest.</p> <p> </p> <p>Annual fee: <b>$29<br /> </b><span>Interest rates: <b>13.99%</b> purchases / <b>13.99%</b> cash advances</span></p> </div> <div> <a target="_self" id="ValueVisaCard-Tile-Eng" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/visa/value-card.html" data-cta="home-page-tile" data-analytics="tile:creditcards:5:value-visa-card:dec9-2021"> View more card details <span class="fas fa-chevron-right"></span> <span class="sr-only"> for the Scotiabank Value Visa credit card </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout dark-grey dark-bg"> Cash back </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/credit-cards/images/category/en/MomentumVisa_MC_eng.png" alt/> </div> </div> <div class="card-content"> <div> <h3 style="text-align: center;"><span class="subtitle-1"><i>Scotia Momentum</i><sup>®</sup> <br /> Visa<sup>*</sup> Card</span></h3> <p>Get a <b>2.99% introductory interest rate</b> on balance transfers for the first 6 months (22.99% after that; annual fee $39).<sup>1</sup></p> <p style="text-align: center;"> </p> <p>Annual fee: <b>$39<br /> </b>Interest rates: <b>19.99%</b> purchases / <b>22.99%</b> cash advances</p> </div> <div> <a target="_self" id="ScotiaMomentumVisaCard-Tile-Eng" class="standalone-link button_color_blue" href="/ca/en/personal/credit-cards/visa/momentum-cash-back-card.html" data-cta="home-page-tile" data-analytics="tile:creditcards:6:momentum-visa-card:dec9-2021"> View more card details <span class="fas fa-chevron-right"></span> <span class="sr-only"> for the Scotia Momentum Visa credit card </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> <div class="_row"> <div class="row "> <div class="col-md-4 transparent grid-center "> </div> <div class="col-md-4 transparent grid-center "> <span class="_bns--button"> <span class="button "> <a id="HomePage:CCtab:BrowseAllCreditCards:CTA:En" class="bns_button button-link primary-button rectangle-button red-button " href="/ca/en/personal/credit-cards/compare-cards.html" target="_self" data-digital-analytics-track="HomePage:CCtab:BrowseAllCreditCards:CTA:En" data-digital-analytics-detail="CC:AllCreditCards:Category:En"> <span class="text ">Browse all credit cards<span class="sr-only">Go to All credit cards page </span></span> </a> </span> </span> </div> <div class="col-md-4 transparent grid-center "> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> </div> </div></div> <div class="rec-tab-panel"><div class="rec--tabpanel hidden" role="tabpanel" id="borrowing-panel" aria-labelledby="borrowing" aria-hidden="true"> <div> <div class="heading"> <div class="bns--title title--h2 text-center"> <div class="text-none text-black"> <h2> Borrowing<br /> </h2> <small class="sub-heading"><p>From buying your first home to renovating your current space, we have a borrowing plan that’s right for you.</p> </small> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer sm"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/04-2022/spring-lending-tile%20686x386.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Life changes fast</span></h3> <p>The Scotia Total Equity<sup>®</sup> Plan (STEP) Mortgage changes with it.<sup>*</sup></p> <p>A STEP Mortgage gives you the flexibility to use the equity from your home when you need it.</p> </div> <div> <a target="_self" id="HP-borrowing-STEP" class="standalone-link button_color_blue" href="/ca/en/personal/mortgages/scotia-total-equity-plan-step.html" data-cta="home-page-tile" data-analytics="tile:borrowing:1:step:apr 4"> Learn more <span class="fas fa-chevron-right"></span> <span class="sr-only"> about STEP </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/05-2021/686px-x-386px---Second-mortgage-or-home-equity-loan.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Mortgage calculator</span></h3> <p>How much mortgage can you afford?</p> </div> <div> <a target="_blank" id="HP-borrowing-MortgageCalculator" class="standalone-link button_color_blue" href="/ca/en/personal/mortgages/mortgage-calculator.html" data-cta="home-page-tile" data-analytics="tile:borrowing:3:mortgage-calculator:may 1"> Launch mortgage calculator <span class="fas fa-chevron-right"></span> <span class="sr-only"> About Mortgage calculator </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/uloc/images/AutoLoanCalculator_HPTile_Image.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Auto loan payment calculator</span></h3> <p>Looking to buy a new car? We’ll do the math for you.</p> </div> <div> <a target="_self" id="HP-borrowing-SelectPay" class="standalone-link button_color_blue" href="/ca/en/personal/loans-lines/auto-loan/auto-loan-payment-calculator.html" data-cta="home-page-tile" data-analytics="tile:borrowing:3:autoloancalculator:aug31"> Launch auto loan calculator <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer xs"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/05-2021/686px-x-386px---Loans-vs.-lines-of-credit.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Scotiabank eHOME – the online mortgage hub</span><br /> </h3> <p>Get pre-approved, search for a home, and get mortgage approval online.</p> </div> <div> <a target="_blank" id="HP-borrowing-eHome" class="standalone-link button_color_blue" href="https://www.ehome.scotiabank.com/welcome" data-cta="home-page-tile" data-analytics="tile:borrowing:4:eHome:may 1"> Start your journey <span class="fas fa-chevron-right"></span> <span class="sr-only"> About Scotiabank eHOME – the online mortgage hub </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/05-2021/686px-x-386px---Tips-on-successful-homebuying-from-a-scotia-advisor.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Discover how to take the next STEP</span><br /> </h3> <p>Find the mortgage that’s right for you.</p> </div> <div> <a target="_self" id="HP-borrowing-MortgageCentre" class="standalone-link button_color_blue" href="https://www.scotiabank.com/ca/en/personal/mortgages.html" data-cta="home-page-tile" data-analytics="tile:borrowing:2:mortgage-centre:may 1"> Visit our mortgage centre <span class="fas fa-chevron-right"></span> <span class="sr-only"> About Discover how to take the next STEP </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/05-2021/686px-x-386px---line-of-credit-vs-mortgage.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Protect your biggest investment</span><br /> </h3> <p>Stay on track financially if the unexpected happens with optional Scotia Mortgage Protection.</p> </div> <div> <a target="_self" id="HP-borrowing-MortgageProtection" class="standalone-link button_color_blue" href="https://www.scotiabank.com/ca/en/personal/creditor-insurance/creditor-insurance/scotia-mortgage-protection.html" data-cta="home-page-tile" data-analytics="tile:borrowing:6:mortgage-protection:may 1"> Get started <span class="fas fa-chevron-right"></span> <span class="sr-only"> About Protect your biggest investment </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> </div> </div></div> <div class="rec-tab-panel"><div class="rec--tabpanel hidden" role="tabpanel" id="investments-panel" aria-labelledby="investments" aria-hidden="true"> <div> <div class="heading"> <div class="bns--title title--h2 text-center"> <div class="text-none text-black"> <h2> Investments<br /> </h2> <small class="sub-heading"><p>Reach your investment goals tomorrow while enjoying your life today.</p> </small> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer sm"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout red dark-bg"> Special Offer </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/investments/F25_Tile_686x386_RRSP.png" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Registered Retirement Savings Plan (RRSP)</span></h3> <p><span>An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.</span></p> <p> </p> <p><b> Earn $350</b> with two new eligible registered plans. *</p> </div> <div> <a target="_self" id="HP-Tile-Investments-RRSP" class="standalone-link button_color_blue" href="/ca/en/personal/investing/retirement-savings-plans.html" data-cta="home-page-tile" data-analytics="Tile:Investments:1:RRSP:Feb29-2024-En"> Learn more <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div class="callout red dark-bg"> Special Offer </div> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/investments/F25_Tile_686x386_TFSA.png" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Tax-Free Savings Account (TFSA)</span></h3> <p><span>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.</span><sup>1</sup></p> <p> </p> <p><b>Earn $350</b> with two new eligible registered plans. *</p> </div> <div> <a target="_self" id="HP-Investments-TFSA" class="standalone-link button_color_blue" href="/ca/en/personal/investing/tax-free-savings-account.html" data-cta="home-page-tile" data-analytics="Tile:Investments:2:TFSA:Feb29-2024-En"> Learn more <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/investments/F25_Tile_686x386_GIC.png" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Guaranteed Investment Certificates (GICs)<span class="headline-small"><br /> </span></span></h3> <p>A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.</p> </div> <div> <a target="_self" id="HP-investments-products-GIC" class="standalone-link button_color_blue" href="https://www.scotiabank.com/ca/en/personal/investing/guaranteed-investment-certificates.html" data-cta="home-page-tile" data-analytics="Tile:Investments:3:GICs:Nov1-2023-En"> Learn about GICs <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> </div> </div> </div> <div class="spacer-wrapper"><div class="spacer"></div></div> <div class="card-container content-container"> <div class="card-container content-container "> <div class="row has-3-cols "> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/common/imagery/Savings-investments-tile.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1">Savings Accelerator Account</span></h3> <p>Grow your savings faster within your investment plan with this high-interest savings account.</p> </div> <div> <a target="_self" id="HP-investments-savings-accelerator" class="standalone-link button_color_blue" href="/ca/en/personal/bank-accounts/savings-accounts/savings-accelerator-account.html" data-cta="home-page-tile" data-analytics="Tile:Investments:4:SAA:Nov1-2023"> Accelerate your savings <span class="fas fa-chevron-right"></span> <span class="sr-only"> </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low card-clickable bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/homepage/personal/02-2023/Scotiabank_SSI_HomepageStatic_686x386_EN.jpg" alt/> </div> </div> <div class="card-content"> <div> <h3><span class="subtitle-1"><b>Introducing Scotia Smart Investor via Advice+</b></span></h3> <p>Now you can set, change, and track your financial goals and rest easy.</p> </div> <div> <a target="_self" id="HP-investments-SSI-EN" class="standalone-link button_color_blue" href="/ca/en/personal/investing/scotia-smart-investor.html" data-cta="home-page-tile" data-analytics="tile:investments:5:SSI:Mar31-2023"> Get started <span class="fas fa-chevron-right"></span> <span class="sr-only"> Go to Scotia Smart Investor page </span> </a> </div> </div> </div></div> </div> </div> <div class="break-row"></div> <div class="experience-fragment experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="col aem-GridColumn aem-GridColumn--default--12"> <div class="card--marketing card-float-low bg-white light-bg "> <div> <div class="media-image-container transparent"> <img loading="lazy" src="/content/dam/scotiabank/canada/common/imagery/visual-id/GettyImages-1318535204.png" alt/> </div> </div> <div class="card-content"> <div> <h3><b><span class="subtitle-1">ScotiaFunds<sup>®</sup> Portfolio Solutions</span></b><span class="headline-small"><b><br /> </b></span></h3> <p>Our Portfolio Solutions offer a diversified mix of mutual funds in the convenience of single investment to help you grow your savings while carefully managing risk. 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