Newcomers Banking Package | Scotiabank StartRight Program

Preferred Package Our most popular features in one package, with added rewards and benefits	Basic Plus Bank Account A basic account that offers rewards and more.
Package fees After the first year, $0^* or $16.95/mth ^* Maintain a balance of $4,000 and we’ll waive your monthly fee.	Package fees $0^* or $11.95/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 Unlimited Interac e-Transfers
Interest Rate Boost on Momentum^PLUS Savings Account(s) Preferred Interest Rate Boost² (Currently, +0.05%. Latest rates are available at scotiabank.com/rates)
More perks First year annual fee waiver on select Scotiabank credit cards¹¹¹⁰ up to $150 Earn points on everyday purchases with the Scene+^TM program¹⁰
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

†Scotiabank StartRight Program, created for Canadian Permanent residents from 0–5 years in Canada, International Students and Foreign Workers. This program includes no monthly account fees for the first year³ on the Preferred Package™ account, unlimited Interac^† e-transfer fee rebates⁵ and a free safety deposit box for one year.
1Foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account
2Scotiabank cannot accept more than one wire payment per family and such payment cannot exceed CAD $50,000. You are responsible to ensure that your wire payment to Scotiabank in Canada, including the amount, is in compliance with the local laws of your country. This is not intended to solicit transactions that are not permitted in the applicable jurisdictions.
3Eligibility: To qualify for the 1-Year No Monthly Account Fee Offer (the “Offer”), 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.
How this Offer Works: During the first 12months, 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.
4Subject 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
5Subject to availability and signing the Safety Deposit Box lease
6Subject to Scotiabank credit approval and financing terms and conditions. Maximum 60 month term. Minimum 10% down payment is only applicable to qualifying Permanent Residents. Qualifying Foreign Workers under the Scotiabank StartRight^® program are required to make a minimum 25% down payment.
7Fees may initially be charged for Interac e-Transfers^† in excess of 99 in a month but will be reversed in the subsequent month
8Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included.
9Preferred Package holders will receive Preferred Package GIC interest rates (“Preferred Package GIC Rates”) on select GICs purchased 2 days after start of ownership of Preferred Package. Selected GICs are between 1 to 10 year non-redeemable GIC’s. To view the Preferred GIC Rates that are subject to change, visit Scotiabank.com/GIC.
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.
10Scene+ ScotiaCard^® debit card: Earn 1 Scene+ point for every $5 you spend on debit purchase transactions and Interac Flash transactions from an eligible account using your Scene+ ScotiaCard debit card. Normal Interac Flash transaction limits apply. Other conditions and limitations apply. Visit www.scotiabank.com/sceneplusrewards for complete details. General information: A card must be connected to a Scene+ membership in order to earn and redeem Scene+ points. Scene+ points accumulated using a card will be updated within 2-3 days. Scene+ points can be redeemed for travel, entertainment, shopping, dining, banking or online at www.sceneplus.ca
11If 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 waiver for the first year only (the “First Year Annual Fee Waiver”) 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 Waiver regardless of the number of accountholders on the Account or Eligible Cards opened. The First Year Annual Fee Waiver will be applied to the first annual fee for a primary card charged on an Eligible Card after the Account Open Date. If there is more than one Eligible Card opened after the Account Open Date, the First Year Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date.
This First Year Annual Fee Waiver 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 Waiver.
All other fees and charges applicable to the Eligible Card continue to apply. First Year Annual Fee Waiver 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 waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.
® Registered trademarks of The Bank of Nova Scotia.
™ Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.
®*Registered trademark of SCENE IP LP, used under license
§Interac, Interac Flash and Pay in a flash are trademarks of Interac Inc. The Bank of Nova Scotia is an authorized user of the trademarks.
§§CreditView is a service provided by TransUnion. The Bank of Nova Scotia and its affiliates are not responsible for the service. ^†† Registered trademarks of TransUnion LLC
◊ Registered trademark of Cineplex Entertainment LP, used under license.
* Visa Int./Licensed User.

†Scotiabank StartRight Program, created for Canadian Permanent residents from 0–5 years in Canada, International Students and Foreign Workers. This program includes no monthly account fees for the first year² on the Preferred account, unlimited Interac^§ e-transfer fee rebates⁶ and a free safety deposit box for one year.
◊Terms and Conditions found in Scotiabank International Money Transfer Agreement
1Foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account
2The 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.
3Subject to availability and signing the Safety Deposit Box lease.
4Subject 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
5Subject to Scotiabank credit approval and financing terms and conditions. Maximum 60 month term. Minimum 10% down payment is only applicable to qualifying Permanent Residents. Qualifying Foreign Workers under the Scotiabank StartRight^® program are required to make a minimum 25% down payment.
6Fees may initially be charged for Interac e-Transfers^† in excess of 99 in a month but will be reversed in the subsequent month.
7Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included.
8Preferred Package holders will receive Preferred Package GIC interest rates (“Preferred Package GIC Rates”) on select GICs purchased 2 days after start of ownership of Preferred Package. Selected GICs are between 1 to 10 year non-redeemable GIC’s. To view the Preferred GIC Rates that are subject to change, visit Scotiabank.com/GIC.
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.
9SCENE^®* ScotiaCard debit card: Earn 1 SCENE point for every $5 you spend on debit purchase transactions and Interac Flash^§ transactions from an eligible account using your SCENE ScotiaCard debit card. Normal ^Interac Flash transaction limits apply. Other conditions and limitations apply. Visit www.scotiabank.com/scene for complete details. General information: A card must be connected to a SCENE^®* membership in order to earn and redeem SCENE^®* points. SCENE points accumulated using a card will be updated within 2-3 days. SCENE points can only be redeemed at participating Cineplex Entertainment^◊◊ theatres, online at www.scene.ca for other points offers (or rewards).
Earn 1 Scotia Reward Point for every $5 you spend on debit purchase transactions and Interac^§ Flash transactions from an eligible account using your Scotiabank Passport Debit Card. Normal Interac^§ Flash transaction limits apply. Other conditions and limitation apply. Visit scotiabank.com/travelrewards for complete details
10Scene+ ScotiaCard^® debit card: Earn 1 Scene+ point for every $5 you spend on debit purchase transactions and Interac Flash transactions from an eligible account using your Scene+ ScotiaCard debit card. Normal Interac Flash transaction limits apply. Other conditions and limitations apply. Visit www.scotiabank.com/sceneplusrewards for complete details. General information: A card must be connected to a Scene+ membership in order to earn and redeem Scene+ points. Scene+ points accumulated using a card will be updated within 2-3 days. Scene+ points can be redeemed for travel, entertainment, shopping, dining, banking or online at www.sceneplus.ca
® Registered trademarks of The Bank of Nova Scotia.
™ Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.
^®*Registered trademark of SCENE IP LP, used under license
^§Interac, Interac Flash and Pay in a flash are trademarks of Interac Inc. The Bank of Nova Scotia is an authorized user of the trademarks.
^§§ CreditView is a service provided by TransUnion. The Bank of Nova Scotia and its affiliates are not responsible for the service. ^†† Registered trademarks of TransUnion LLC
^◊◊Registered trademark of Cineplex Entertainment LP, used under license.
* Visa Int./Licensed User.

How can a bank help you start a new life?

The importance of immigration to Canada's prosperity

Open an International Account online today.

Set up your Scotiabank account today.

Scotiabank. The bank for newcomers.

The following accounts are eligible for the StartRight^™ Program.

What you can get with every account:

What documents do I need to open an account?

More reasons to love the StartRight^™ Program…

More reasons to love the StartRight^™ Program…

No credit history? No problem.

A little more on your credit history...

Have you joined our newcomer email program?

Because your success here is about more than just money.

Get advice on all things Canadian.

Have questions? We have answers.

How can a bank help you start a new life?

The importance of immigration to Canada's prosperity

Open an International Account online today.

Set up your Scotiabank account today.

Scotiabank. The bank for newcomers.

The following accounts are eligible for the StartRight™ Program.

What you can get with every account:

What documents do I need to open an account?

More reasons to love the StartRight™ Program…

More reasons to love the StartRight™ Program…

No credit history? No problem.

A little more on your credit history...

Have you joined our newcomer email program?

Because your success here is about more than just money.

Get advice on all things Canadian.

Have questions? We have answers.

The following accounts are eligible for the StartRight^™ Program.

More reasons to love the StartRight^™ Program…

More reasons to love the StartRight^™ Program…