All recent arrivals to Canada (including the U.S.) in the past month, are recommended by our federal and provincial health leaders to undergo a 14-day self-isolation period. If you’ve arrived recently and need to access your account, email us at ScotiabankStartRight@scotiabank.com instead of visiting us in branch.

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How can a bank help you start a new life?

The StartRight® program can help you start banking in Canada with access to credit, savings, no-fee international money transfers1 and help from Financial Advisors. It’s all part of why Scotiabank is the bank for newcomers.

Send money globally, without the fee.1

Introducing the simple, easy, and no-fee Scotia International Money Transfer.

Open an International Account online today.

Use it to transfer money and show proof of funds before you move – and get a chequing account faster once you’re here2.

Get account details and apply
Connect with us

Set up your Scotiabank account today.

Bank without monthly fees for one year2 with the StartRight® Program

Book an appointment to apply

Scotiabank. The bank for newcomers.

With the StartRight® program, you can bank without monthly account fees3 and get a credit card with no credit history4

With the StartRight® program, you can bank without monthly account fees2 and get a credit card with no credit history3

No Fee

No monthly account fees on the Preferred Package chequing account for one year3. A value of $191.

Unlimited Transfers

Unlimited no-fee international money transfers1

Safe Deposit Box

Free small safety deposit box for a year5. A value of $55.

Vehicle Load

Credit cards designed for newcomers4.

Mortgage

Specialized mortgage for newcomers to Canada

Vehicle loan

Get a new vehicle loan with only 10% down6

No Fee

No monthly account fees on the Preferred Package chequing account for one year2. A value of $191.

Unlimited Transfers

Unlimited no-fee international money transfers1

Safe Deposit Box

Free small safety deposit box for a year4. A value of $55.

Credit card

Credit cards designed for newcomers3.

Mortgage

Specialized mortgage for newcomers to Canada

Vehicle loan

Get a new vehicle loan with only 10% down5

The following accounts are eligible for the StartRight® Program.

Package fees

  • After the first year, $0* or $15.95/mth

* Maintain a balance of $4,000 and we’ll waive your monthly fee.

Package fees

  • $0* or $10.95/mth

* Maintain a balance of $3,000 and we’ll waive your monthly fee.

Usage

  • Unlimited transactions
  • Unlimited Interac e-transfers†7§6
  • Once a month, get a free withdrawl from an ABM that isn’t Scotia

Usage

  • 25 free transactions87 per month
  • 10 free Interac e-Transfers per month

Grow your money

  • Get a +0.05% Interest Rate Boost on deposits in your MomentumPLUS Savings Account
  • Preferred rates on select GICs98

More perks

  • Earn points on every purchase with either the SCENE®* or Scotia Rewards program109

More perks

  • First year annual fee waiver on select Scotiabank credit cards1110 up to $139
  • Earn points on every purchase with either the SCENE®* or Scotia Rewards program109

What you can get with every account:

  • Online and mobile banking
  • Mobile cheque deposit
  • Free TransUnion§§ CreditView§§
  • Earn rewards on your everyday purchases109
  • Apple Pay, Google Pay and Samsung Pay

What documents do I need to open an account?

If you’re a permanent resident

Your Permanent Resident Card or confirmation of Permanent Residence

One additional piece of government photo ID such as your passport or Canadian driver’s licence

If you’re also planning on applying for a credit card, you can do so with the documents outlined above.

If you’re a foreign worker

Your work permit

One additional piece of government photo ID such as your passport or Canadian driver’s licence

If you’re also planning on applying for a credit card, bring a letter from your employer in Canada stating your annual income.

More reasons to love the StartRight® Program…

More reasons to love the StartRight® Program…

  • Scotiabank is Canada’s international bank with close to 24 million customers and over 2,700 branches around the world.
  • Scotiabank is Canada’s international bank with close to 24 million customers and over 2,700 branches around the world.
  • Access to over 900 Scotiabank branches and 3,600 ABMs across Canada.
  • Personalized support at the branch and in the language that’s most comfortable to you.
  • Safe and secure online and mobile banking 24/7.

View branch locations

Find a branch near me

“Scotiabank was the only bank who let us transfer our money to Canada before landing. It made things very smooth.”

Wei StartRight® Program customer

“The Scotiabank employees I worked with were also Canadian immigrants, so they understood the challenges of moving to a new country and helped me in any way possible.”

Jian StartRight® Program customer

No credit history? No problem.

We can help you get an unsecured credit card with a limit of up to $5,000 as soon as you arrive43.

Find the right card for me

A little more on your credit history...

A good credit history can make it easier for you to borrow money, while a bad credit history – or no credit history – can make getting loans for things like cell phones, credit cards, and housing more difficult.

Learn how to build a good credit history

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