Value of up to $2,300 is rounded down and calculated as follows: i) up to $583.30 first year value with the StartRight^TM Program + ii) Up to $700 in chequing, savings and registered account welcome offers + iii) up to $1,098 in Scotiabank Passport Visa Infinite welcome offer, first year point earn potential and savings:

 

i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRight^TM clients as of March 3, 2026:

• $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 StartRight^TM Program features and products. Conditions apply. All products and features are subject to change.

ii) Value of up to $700 in chequing, savings and registered account welcome offers as of March 3, 2026:

• $500 for new Preferred and Ultimate Package clients who complete certain qualifying conditions. Clients who are eligible for the $500 offer can then get an extra $100 with a new Money Master Savings account and/or an extra $100 with a new eligible registered account when they complete certain qualifying transactions; 

iii) Value of up to $1,098 in Scotiabank Passport Visa Infinite Card welcome offer value, first year point earn potential and savings includes the following as of March 3, 2026:

• $400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months;
• $100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months;
• $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months);
• $134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
• $364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025. 

Actual offers, savings and rewards earned will depend on individual card usage and eligibility. Conditions apply.

Scotiabank StartRight^® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.

Subject to credit approval. To be eligible, you must be a participant in the Scotiabank StartRight^® Program. To qualify for a credit card, you must be a resident of Canada and the age of majority in your province/territory where you live. Your approval for a credit card and the credit limit assigned will be determined based on Scotiabank’s credit criteria, including your verifiable income and credit history (if available). The credit limit amount of up to $15,000 under the Scotiabank StartRight^® Program is subject to change by Scotiabank from time to time without prior notice. A credit history in Canada is not required in order to be eligible for a credit card under the Scotiabank StartRight^® Program.

Nova Credit reporting service is provided by a third party (Nova Credit). The Bank of Nova Scotia is not responsible for this service including any credit reports or scores provided using the service. Accessing your credit report through Nova Credit may impact your home country credit score. Please refer to this link for more details.

The 1-Year No Monthly Account Fee Offer (the “Offer”) is available to eligible clients who open a new Preferred Package account under the StartRight^™ Program (the “Account”). Employees of The Bank of Nova Scotia (“Scotiabank”) and individuals who are currently or were previously holders/ joint holders of a Scotiabank chequing account within the last 2 years are not eligible for this Offer. If you are eligible for the Offer, during the first 12 months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions. This Offer is non-transferable and cannot be combined with any other offers. Maximum one Offer per customer. All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled, or extended at any time without notice.

Regular Earn Rate: You are awarded one (1) Scene+ Point for every $1.00 in all purchases of goods and services charged to the Scotiabank Scene+ Visa Account (the “Account”).

 

Accelerated Earn Rates: You will earn accelerated earn rates on the following eligible purchases charged to the Account:

 

Grocery Stores: You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, participating IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Scene+ Visa Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

 

Home Hardware Stores: You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca charged and posted to the Scotiabank Scene+ Visa Account. The list of eligible locations may be changed from time to time without notice.  See full list of eligible locations across Canada at scotiabank.com/participatingstores.

 

Cineplex: You are awarded two (2) Scene+ Points for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the Account.

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.
All dollar amounts are in Canadian currency unless otherwise stated.

Scene+ ScotiaCard® debit card: Earn 1 Scene+ Point for every $5 on debit purchases (up to a maximum of 300 points per transaction and 600 points per day) made from an eligible Scotiabank chequing or savings account using your Scene+ ScotiaCard debit card linked to a Scene+ membership, including Interac Debit contactless and Visa Debit transactions.  Normal Interac Debit contactless transaction limits apply. Scene+ Points accumulated using your Scene+ ScotiaCard debit card will be updated within 2-3 days to the associated Scene+ account.  Scene+ points are calculated on debit card purchases, less any refunds, returns, or other similar credits.  Other conditions apply.

Visit www.scotiabank.com/sceneplusrewards for full terms and conditions.

Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the chequing account package. For accounts that do not provide unlimited debit transactions, a charge for additional debit transactions may apply if you perform an Interac e-Transfer transaction over and above the number of debit transactions allowed in the account.

If you open a Preferred Package account (the “Account”), on or after the date you open the Account (the “Account Open Date”), you will receive an annual fee rebate for the first year only (the “First Year Annual Fee Rebate”) on one eligible Scotiabank Credit Card account (an “Eligible Card”) opened on or after the Account Open Date. Eligible Cards are the Scotiabank Gold American Express®, Scotiabank Passport® Visa Infinite*, Scotia Momentum® Visa Infinite* and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account can only receive one First Year Annual Fee Rebate regardless of the number of account holders on the Account or Eligible Cards opened. The First Year Annual Fee Rebate will be applied to the first annual fee charged to one Eligible Card that you hold as the primary cardholder after the Account Open Date. If there is more than one Eligible Card opened after the Account Open Date, the First Year Annual Fee Rebate will be applied only to the first annual fee charged to one Eligible Card that you hold as the primary cardholder after the Account Open Date. This First Year Annual Fee Rebate is only available for new Eligible Cards opened on or after the Account Open Date. Current or previous cardholders of an Eligible Card or cardholders that transfer to an Eligible Card on or after the Account Open Date will not receive the First Year Annual Fee Rebate. All other fees and charges applicable to the Eligible Card continue to apply. First Year Annual Fee Rebate will not be applied if the Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee rebate offer. Current annual fees, rates and other features for Eligible Cards are subject to change. 

Conditions apply. Offer valid for new Scotia iTRADE^® accounts, excluding Cash Optimizer Investment accounts, opened by new Scotia iTRADE clients who do not already have an existing account with Scotia iTRADE. If you open one or more new Scotia iTRADE account(s) (each, a "New Account") and fund the New Account(s) within 60 days of opening the New Account(s) with at least CAD $1,000 in cash or in Net Equity (cheque deposit, electronic funds transfer or transfer of assets) ("Minimum Amount"), from an account that is not held at Scotia iTRADE, (1) the commissions associated with the first 10 online commissionable trades of Equities, Options and ETFs placed within 365 days of the date when you funded your New Account(s) with the Minimum Amount will be credited back to the corresponding New Account within 30 days of each order fill, to a maximum amount of $9.99 per trade in the currency of the account (maximum total commission rebate of $99.90), (2) the amount of the transfer-in fee charged by another Canadian broker will be credited to your New Account (up to $150 per client) subject to Scotia iTRADE's receipt of the documentation evidencing such transfer-in fee. Scotia iTRADE reserves the right to charge you all or part of the commissions associated with the first 10 online trades completed within 365 days of funding your New Account(s) (when such commissions were previously credited back to your New Account(s)) if the conditions of the offer are not complied with. Scotia iTRADE reserves the right to modify and/or cancel this offer at any time without notice in its sole discretion. Clients must enter the promotional code SRPE15 (English) or SRPF15 (French) when submitting the New Account application to qualify. To qualify for this offer, you must satisfy Scotia iTRADE's Canadian residency requirements, have a valid Social Insurance Number, be eligible to open a Scotia iTRADE account, maintain all of your accounts at Scotia iTRADE in good standing, not be in a disallowed debit position and not have any outstanding margin calls due. This offer has no cash redemption value. This offer cannot be transferred or combined with any other promotional offer (excluding Refer-a-Friend). Limited to one offer per client. In case of joint account only one account holder will be entitled to receive free equity trades.

For clients onboarded as a part of the Scotiabank StartRight^® Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at https://www.scotiabank.com/international-money-transfer.

Subject to approval. A customer must apply for an Overdraft Protection Plan to determine if they qualify.

Preferred and Ultimate Package account holders will receive the applicable Package boost to the Regular Interest Rate (the "Package Interest Rate Boost”). Refer to the Current Rates Page on Scotiabank.com for the Total Annual Interest Rate applicable to the Preferred Package and Ultimate Package (current Regular Interest Rate, plus Premium Period Interest Rate, plus Preferred/Ultimate Package Interest Rate Boost, as applicable), which is subject to change at any time without advance notice. It will take up to 10 business days after activating a Preferred or Ultimate Package account for the applicable Package Interest Rate Boost to apply. The applicable Package Interest Rate Boost will cease to apply effective as of the date that the Preferred/Ultimate Package account is closed. The Package Interest Rate Boost is an annual rate calculated daily on the Momentum^PLUS Savings Account(s) closing balance and paid monthly.

Preferred Package account holders will receive Preferred Package GIC interest rates (“Preferred Package GIC Rates”) on Long Term Non-Redeemable GICs with terms between 1 and 10 years, excluding Special Rate GICs, Market Linked GICs and Guaranteed Income Optimizer GICs. The Preferred Package GIC Rates are subject to change without notice. For the latest Preferred Package GIC Rates, contact your branch or call 1-800-4-SCOTIA. Interest is accrued daily on your GIC from the issue date up to, but not including, the maturity date. For Scotiabank GICs that pay interest during their term (monthly, semi-annually or annually) the last interest payment is paid at maturity.

The primary account holder of the Preferred Package qualifies for a monthly account fee waiver on a Scotia^® U.S. Dollar Daily Interest Account. The primary account holder on the Preferred Package account can be either the primary or joint account holder on the Scotia^® U.S. Dollar Daily Interest Account to qualify. If the primary account holder of the Preferred Package had a Scotia^® U.S. Dollar Daily Interest Account prior to activating a Preferred Package the fee waiver will apply to the bill cycle following the activation of the Preferred Package. Limit of one (1) Scotia^® U.S. Dollar Daily Interest Account per Preferred Package account. Both accounts must be in good standing.

The Preferred Package account includes 1 free non-Scotiabank Interac^† ABM cash withdrawal within Canada per month. Access fee for each subsequent cash withdrawal at non-Scotiabank Interac^† ABMs will be charged $2.00 per withdrawal. Each cash withdrawal from non-Scotiabank Visa^* or PLUS^* ABMs will be charged $3.00 in Canada and the U.S. and $5.00 outside of Canada and the U.S. Account holders may still be charged a convenience fee by the other bank and ABM operator, not by Scotiabank.

Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025

 

$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months

 

$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months

 

$100 in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months: annual points bonus).

 

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients

 

$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);

 

$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.

 

$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.

 

Potential First Year Value = up to $1,517 (rounded down to $1,500)

 

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions: The 50,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened between January 2, 2026 and July 1, 2026  (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.   

 

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details. 

 

50,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 40,000 bonus Scene+ points (the “40,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. To qualify for an additional 10,000 bonus Scene+ points (the “Additional 10,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.  

 

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (the “Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch from another Scene+ eligible Credit Card to the Passport Visa Infinite Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Passport Infinite Card and your annual period for this offer will begin on the next anniversary of your original Account open date. For Example: If you originally opened a Scotiabank®* Gold American Express® Card on January 15, 2022, and switch that Card to the Scotiabank Passport® Visa Infinite* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point offer will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15th afterwards. You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. 

 

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 40,000 Point Bonus, the Additional 10,000 Point Bonus, and the Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000, $10,000, or $40,000) in the appropriate time frame (i.e., first 3 months, 6 months, or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 40,000 Point Bonus, the Additional 10,000 Point Bonus, or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period.

 

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. 

 

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). 

The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change. 

 

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.

You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite Account (the “Regular Earn Rate”).

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite Accounts only):
You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.

Interac is a registered trade-mark of Interac Corp. Used under licence.

Registered trademarks of The Bank of Nova Scotia.

Trademark of The Bank of Nova Scotia.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Visa Int./Licensed User.

Scotia iTRADE® (Order-Execution Only) is a division of Scotia Capital Inc. ("SCI"). SCI is regulated by the Canadian Investment Regulatory Organization and is a member of the Canadian Investor Protection Fund. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own investment decisions.

Registered trademark of The Bank of Nova Scotia, used under license.