Newcomers

Let’s get your new life in Canada started right.

Banking in Canada made easy.

New country. New culture. New banking system. There’s a lot to figure out when you’re new to Canada. The Scotiabank StartRight® Program1 can help make your move easier.

How can a bank help you start a new life?

The StartRight® program1 can help you start banking in Canada by providing access to credit, savings, and help from Financial Advisors. It’s all part of why Scotiabank is the bank for newcomers.

Banking in Canada made easy.

New country. New culture. New banking system. There’s a lot to figure out when you’re new to Canada. The Scotiabank StartRight® Program1 can help make your move easier.

How can a bank help you start a new life?

The StartRight® program1 can help you start banking in Canada by providing access to credit, savings, and help from Financial Advisors. It’s all part of why Scotiabank is the bank for newcomers.

LIMITED TIME OFFER

Get up to $5222 in savings and bonuses in the first year.

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
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Set up your Scotiabank account today.

Set up your Scotiabank account today.

Bank without monthly account fees for one year3 with the StartRight® Program.

Book an appointment to apply

Book an appointment to apply

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.

The right start to life in Canada

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 fees3 and get a credit card with no credit history4

No Fee

No monthly account fees on a Scotia Onechequing account for one year.3. A value of $167.

Unlimited Transfers

Unlimited e-transfers and transactions5

Safe Deposit Box

Free small safety deposit box for a year6. A value of $55.

Vehicle Load

Credit cards designed for newcomers4.

Vehicle Load

Safe and secure online and mobile banking 24/7.

No Fee

No monthly account fees on a Scotia Onechequing account for one year3. A value of $167.

Unlimited Transfers

Unlimited e-transfers and transactions5

Safe Deposit Box

Free small safety deposit box for a year6. A value of $55.

Credit card

Credit cards designed for newcomers4.

Vehicle loan

Get a new vehicle loan with only 10% down8

The following accounts are eligible for the StartRight® Program.

Scotia One Chequing Account

Best option if you tend to maintain a higher balance

  • No monthly fee with at least $4,000 daily closing balance
  • Unlimited self service debitand teller transactions76
  • $13.95 monthly fee
  • $9.95 after Seniors Discount (age 60+)
  • No interest is paid on this account

Basic Banking Plan Chequing Account

Best option if you love movies and want to earn SCENE® rewards

  • No monthly fees with a minimum daily closing balance of $3,000
  • 25 transactions every month77– including self-service and teller transactions
  • $10.95 monthly fee
  • $6.95 after Seniors Discount (age 60+)
  • No interest is paid on this account

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 1,100 Scotiabank branches and 4,000 ABMs across Canada.
  • Personalized support 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 arrive44.

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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Don’t miss out on helpful newcomer advice and notifications that can make your move to Canada easier.

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Get advice on all things Canadian.

Personal stories, articles and resources to help you settle in sooner.

Learn more about life in Canada