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Provider review
Scotiabank logo

Scotiabank

FCACDirect lenderLast reviewed August 25, 2026
Credit cardCorporate cardSavingsBusiness accountCurrent account
8.7
Overall
Our verdict

Scotiabank is a Schedule I bank with live offers in {market}. Compare the specific product — personal, business or a card — on the published {rateAbbr} and fees, not the brand.

Cost
8.4
Flexibility
8.8
Transparency
8.8
Service
8.8

James Okonkwo · Editor, cards and deposits · Scores are editorial and do not affect list order, which is set on published price.

Our review

Suits: A full-service bank listing when the apply link matches the product you actually want.

What stands out

  • Schedule I bank
  • Consumer and business offers
  • Branch network

Scotiabank (including SMB listings) appears in Canada only where we have an attributed apply link. Filter personal loans, business credit or cards.

Supervision: OSFI and the FCAC. Not a promise of approval.

Pros

  • A licensed bank, with each product family priced on its own terms.
  • More than one product family can appear when each has a live deal.
  • Written offer is what matters, not a national average.

Cons

  • Brand recognition is not a score for cost.
  • Business and personal products have different underwriting.

Questions about Scotiabank

Why do I see Scotiabank and Scotiabank SMB?

The tracker lists the issuer name on each live deal. Compare the product in front of you.

Products you can apply for

28 products in this market

Credit cards

Scotiabank logo
Scotiabank
Scotiabank Platinum American Express Card
AMEX

Scotiabank Platinum American Express Card

8.74.4(1)

from Scotiabank

  • Lowest APR
2–5 pts/$
Rewards
$399
Annual fee
9.99%
Purchase rate
  • Consumer
  • Reward points

2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.

APR
9.99%

Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Value Visa Card
VISA

Scotiabank Value Visa Card

8.74.4(1)

from Scotiabank

  • Highest score
No rewards
Rewards
$29
Annual fee
13.99%
Purchase rate
  • Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR
13.99%

Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Value Visa Card (for students)
VISA

Scotiabank Value Visa Card (for students)

8.74.4(1)

from Scotiabank

  • Highest score
No rewards
Rewards
$29
Annual fee
13.99%
Purchase rate
  • Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR
13.99%

Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank U.S. Dollar Visa Card
VISA

Scotiabank U.S. Dollar Visa Card

8.74.4(1)

from Scotiabank

  • Highest score
No rewards
Rewards
US$35
Annual fee
19.99%
Purchase rate
  • Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR
19.99%

Annual fee: USD 35. Purchase interest: 19.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotia Momentum Mastercard

Scotia Momentum Mastercard

8.74.4(1)

from Scotiabank

  • Highest score
0.5–1% cashback
Rewards
$0
Annual fee
20.99%
Purchase rate
  • Consumer
  • Cashback
  • No annual fee

1% in eligible bonus categories; 0.5% on other eligible purchases. Category definitions and spending limits apply.

APR
20.99%

Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotia Momentum No-Fee Visa Card
VISA

Scotia Momentum No-Fee Visa Card

8.74.4(1)

from Scotiabank

  • Highest score
0.5–1% cashback
Rewards
$0
Annual fee
20.99%
Purchase rate
  • Consumer
  • Cashback
  • No annual fee

1% in eligible bonus categories; 0.5% on other eligible purchases. Category definitions and spending limits apply.

APR
20.99%

Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotia Momentum No-Fee Visa Card (for students)
VISA

Scotia Momentum No-Fee Visa Card (for students)

8.74.4(1)

from Scotiabank

  • Highest score
0.5–1% cashback
Rewards
$0
Annual fee
20.99%
Purchase rate
  • Consumer
  • Cashback
  • No annual fee

1% in eligible bonus categories; 0.5% on other eligible purchases. Category definitions and spending limits apply.

APR
20.99%

Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotia Momentum Visa Card
VISA

Scotia Momentum Visa Card

8.74.4(1)

from Scotiabank

  • Highest score
1–2% cashback
Rewards
$49
Annual fee
20.99%
Purchase rate
  • Consumer
  • Cashback

2% in eligible bonus categories; 1% on other eligible purchases. Category definitions and spending limits apply.

APR
20.99%

Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotia Momentum Visa Card (for students)
VISA

Scotia Momentum Visa Card (for students)

8.74.4(1)

from Scotiabank

  • Highest score
1–2% cashback
Rewards
$49
Annual fee
20.99%
Purchase rate
  • Consumer
  • Cashback

2% in eligible bonus categories; 1% on other eligible purchases. Category definitions and spending limits apply.

APR
20.99%

Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotia Momentum Visa Infinite + Card
VISA

Scotia Momentum Visa Infinite + Card

8.74.4(1)

from Scotiabank

  • Highest score
1–4% cashback
Rewards
$120
Annual fee
20.99%
Purchase rate
  • Consumer
  • Cashback

4% on eligible groceries and recurring payments; 2% on eligible gas, EV charging, transit and food delivery; 1% otherwise.

APR
20.99%

Annual fee: CAD 120. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank SMB logo
Scotiabank SMB
Scotia Momentum for business Visa Card
VISA

Scotia Momentum for business Visa Card

8.74.4(1)

from Scotiabank SMB

  • Highest score
1–3% cashback
Rewards
$79
Annual fee
20.99%
Purchase rate
  • Corporate
  • Cashback

3% on eligible gas, EV charging, dining, office supplies and recurring bills; 2% on eligible professional services; 1% otherwise.

APR
20.99%

Business applicants only. Annual fee: CAD 79. Purchase interest 20.99%; cash advances 22.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Passport Visa Infinite + Card
VISA

Scotiabank Passport Visa Infinite + Card

8.74.4(1)

from Scotiabank

  • Highest score
1–4 pts/$
Rewards
$150
Annual fee
20.99%
Purchase rate
  • Consumer
  • Reward points

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR
20.99%

Annual fee: CAD 150. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank SMB logo
Scotiabank SMB
Scotiabank Passport Visa Infinite Business Card
VISA

Scotiabank Passport Visa Infinite Business Card

8.74.4(1)

from Scotiabank SMB

  • Highest score
1.5 Scene+ pts/$
Rewards
$199
Annual fee
20.99%
Purchase rate
  • Corporate
  • Reward points

1.5 Scene+ points per eligible dollar spent.

APR
20.99%

Business applicants only. Annual fee: CAD 199. Purchase interest 20.99%; cash advances 22.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Passport Visa Infinite Privilege Card
VISA

Scotiabank Passport Visa Infinite Privilege Card

8.74.4(1)

from Scotiabank

  • Highest score
1–6 pts/$
Rewards
$599
Annual fee
20.99%
Purchase rate
  • Consumer
  • Reward points

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 6 points/$. See issuer category definitions and limits.

APR
20.99%

Annual fee: CAD 599. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank SMB logo
Scotiabank SMB
Scotia Momentum for business No Fee Visa Card
VISA

Scotia Momentum for business No Fee Visa Card

8.74.4(1)

from Scotiabank SMB

  • Highest score
1% cashback
Rewards
$0
Annual fee
21.99%
Purchase rate
  • Corporate
  • Cashback
  • No annual fee

1% on eligible purchases.

APR
21.99%

Business applicants only. Annual fee: CAD 0. Purchase interest 21.99%; cash advances 23.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank American Express Card
AMEX

Scotiabank American Express Card

8.74.4(1)

from Scotiabank

  • Highest score
1–4 pts/$
Rewards
$0
Annual fee
21.99%
Purchase rate
  • Consumer
  • Reward points
  • No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR
21.99%

Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank American Express Card (for students)
AMEX

Scotiabank American Express Card (for students)

8.74.4(1)

from Scotiabank

  • Highest score
1–4 pts/$
Rewards
$0
Annual fee
21.99%
Purchase rate
  • Consumer
  • Reward points
  • No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR
21.99%

Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Gold American Express Card
AMEX

Scotiabank Gold American Express Card

8.74.4(1)

from Scotiabank

  • Highest score
1–6 pts/$
Rewards
$120
Annual fee
21.99%
Purchase rate
  • Consumer
  • Reward points

6 Scene+ points/$ at participating grocery partners; 5 on eligible dining, other groceries and entertainment; 3 on eligible gas, transit and streaming; 1 otherwise. Eligible Scene+ Travel bookings earn 4 points/$.

APR
21.99%

Annual fee: CAD 120. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Scene+ Visa Card
VISA

Scotiabank Scene+ Visa Card

8.74.4(1)

from Scotiabank

  • Highest score
1–4 pts/$
Rewards
$0
Annual fee
21.99%
Purchase rate
  • Consumer
  • Reward points
  • No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR
21.99%

Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank logo
Scotiabank
Scotiabank Scene+ Visa Card (for students)
VISA

Scotiabank Scene+ Visa Card (for students)

8.74.4(1)

from Scotiabank

  • Highest score
1–4 pts/$
Rewards
$0
Annual fee
21.99%
Purchase rate
  • Consumer
  • Reward points
  • No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR
21.99%

Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank SMB logo
Scotiabank SMB
Scotia Home Hardware PRO Visa Business Card
VISA

Scotia Home Hardware PRO Visa Business Card

8.74.4(1)

from Scotiabank SMB

  • Highest score
1 Scene+ pt/$
Rewards
$0
Annual fee
Prime + 4.99–10.99%
Purchase rate
  • Corporate
  • Reward points
  • No annual fee

Earn 1 Scene+ point per eligible dollar spent.

Business applicants only. Annual fee: CAD 0. Variable interest linked to Scotiabank prime; see issuer terms. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply
Scotiabank SMB logo
Scotiabank SMB
ScotiaLine for business Visa Credit Card
VISA

ScotiaLine for business Visa Credit Card

8.74.4(1)

from Scotiabank SMB

  • Highest score
Partner offers
Rewards
$0
Annual fee
Prime + 1.99–9.49%
Purchase rate
  • Corporate
  • No annual fee

Eligible Visa SavingsEdge offers; no flat cashback rate advertised.

Business applicants only. Annual fee: CAD 0. Variable interest linked to Scotiabank prime; see issuer terms. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See detailsApply

Savings

Scotia High Interest Savings Account

  • Highest score
8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Scotiabank Business Banking

  • Highest score
8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Published business chequing monthly fees: Right Size $6; Select from $20 (waivable with a minimum daily balance); Basic Business $10.95; Community $3; Scotia Professional Plan Plus $38; ScotiaOne agriculture $40. Source: scotiabank.com business bank accounts, 2026-08-27.

Scotiabank Preferred Package

  • Highest score
8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Scotiabank Preferred Package for Students and Youth - 16 and over

  • Highest score
8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Scotiabank Preferred Package for Students and Youth - Under 16

  • Highest score
8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Scotiabank Ultimate Package

  • Highest score
8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Scotiabank: Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: USD 35. Purchase interest: 19.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 120. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank SMB: Business applicants only. Annual fee: CAD 79. Purchase interest 20.99%; cash advances 22.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 150. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank SMB: Business applicants only. Annual fee: CAD 199. Purchase interest 20.99%; cash advances 22.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 599. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank SMB: Business applicants only. Annual fee: CAD 0. Purchase interest 21.99%; cash advances 23.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 120. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Scotiabank SMB: Business applicants only. Annual fee: CAD 0. Variable interest linked to Scotiabank prime; see issuer terms. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank SMB: Published business chequing monthly fees: Right Size $6; Select from $20 (waivable with a minimum daily balance); Basic Business $10.95; Community $3; Scotia Professional Plan Plus $38; ScotiaOne agriculture $40. Source: scotiabank.com business bank accounts, 2026-08-27.

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