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 $546 in savings and bonuses2 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.

Bank without monthly fees for one year3 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 fees3 and get a credit card with no credit history4

No Fee

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

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 loan

Get a new vehicle loan with only 10% down7

No Fee

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

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% down7

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 $4,000 and we’ll waive your monthly fee.

Usage

  • Unlimited transactions
  • Unlimited Interac e-transfers†5†5
  • Once a month, get a free withdrawl from an ABM that isn’t Scotia

Usage

  • 25 free transactions8 per month8
  • 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 GICs99

More perks

  • Earn points on every purchase with either the SCENE®* or Scotia Rewards program1010

More perks

  • First year annual fee waiver on select Scotiabank credit cards1111 up to $139
  • Earn points on every purchase with either the SCENE®* or Scotia Rewards program1010

What you can get with every account:

  • Online and mobile banking
  • Mobile cheque deposit
  • Free TransUnion†† CreditView††
  • Earn rewards on your everyday purchases1010
  • 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 950 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.

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“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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