Get up to $2,000 in value in the first year*
Join the StartRight™ Program designed for newcomers to Canada.‡
New to Canada?
From understanding banking basics to setting financial goals and more - the StartRightTM Program can help make banking in Canada easier.
Plan your future with Scotiabank
Whether you're a newcomer to Canada or an international student get all the necessary information, tailored advice and support you need with Scotiabank.
Newcomers
Explore newcomer banking solutions, credit cards and more.
International students
Our program for international students is one of the longest of its kind in Canada.
“Embrace the unknown as an adventure.”
Banking in Canada
Learn banking basics to get your finances on track for your future in Canada.
Start building your credit today
Apply for a Canadian credit card today, even if you don't have a credit history.
Value of up to $2,000 is calculated as follows: i) up to $1,183.30 first year value with the StartRightTM Program + ii) Up to $1,100 in Preferred Package, TFSA/RRSP and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:
i) Value of up to $1,183.30 is an annual potential value for the first year based on the following benefits and savings available to StartRightTM customers as of August 1st, 2024:
- $600: $350 cash offer for new Preferred and Ultimate Package clients who complete certain qualifying conditions plus up to $250 when you open a new RRSP, FHSA, or TFSA and complete certain qualifying transactions;
- $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
- $280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer);
- $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade)
Actual value will depend on individual usage of the StartRightTM Program features and products. Conditions apply. All products and features are subject to change.
ii) Value of up to $1,100 in Scotiabank welcome offers and first year point earn potential includes the following as of August 1st, 2024:
- $250 value for new Scotiabank Passport Visa Infinite customers who can earn up to 30,000 bonus Scene+TM*;
- $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients;
- $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months);
- $250 in first year point earn potential (25,000 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 21% in 2X accelerator categories;
- $350 value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes (annual membership plus one free visit of approx. CAD$134/USD$99 plus 5 lounge passes at CDN$48/USD$35 per pass). Currency conversion as at February 28, 2024;
- $100 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by card issuers).
Actual offers and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.