Lenders
Scotiabank
Scotiabank is recorded in this encyclopedia as a bank operating across Canada, and it deals with borrowers directly and through mortgage brokers.
| Type | bank |
|---|---|
| Operates | Across Canada |
| Head office province | Ontario |
| Website | https://www.scotiabank.com/ca/en/0,,1112,00.html |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
43 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | Preferred Package | $16.95 (waived with $4,000 balance) | Fee and waiver as printed in provider table on page; $0 monthly fee with at least $4,000 minimum balance, otherwise $16.95 monthly as printed on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Chequing account | Scotiabank Preferred Package | $16.95 (waived with $4,000 balance) | Interest rates: N/A; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | Scotiabank Ultimate Package | $30.95 (or less with minimum balance) | Best premium chequing account bundle (at a glance table) | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | Ultimate Package | $30.95 (or less with minimum balance) | Best premium chequing account bundle as labelled on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Credit card | Scotia Momentum No-Fee Visa Card Promotional | No annual fee for the primary card or for additional cards. Interest 20.99% on purchases, 22.99% on cash advances. | Earn 1% cash back on grocery, gas, EV charging, transit, rideshare, food delivery, drugstore and recurring bill payment purchases on the first $15,000 spent annually, and 0.5% on everything else. Offer from November 2, 2026 to April 30, 2027: 5% cash back on the first $2,000 in the first 3 months and an introductory 0.99% balance transfer rate for 9 months with a 2% fee. | Scotia Momentum No-Fee Visa Card | Scotiabank Canada | 2026-11-15 |
| Credit card | Scotia Momentum Visa Infinite Card Promotional | Annual fee $120 per year, waived for the first year under the special offer, supplementary cards $50 per year. Interest 20.99% on purchases, 22.99% on cash advances. Minimum credit limit $5,000. | Earn 4% cash back on grocery and recurring payments on the first $25,000 spent annually, 2% on gas, EV charging, transit, rideshare and food delivery on the first $25,000 spent annually, and 1% on everything else. Offer from November 2, 2026 to April 30, 2027: 10% cash back on the first $2,000 in the first 3 months, an introductory 0% balance transfer rate for 12 months with a 2% fee, and a first year annual fee waiver. | Scotia Momentum® Visa Infinite +* Card | Scotiabank Canada | 2026-11-15 |
| Credit card | Scotiabank Gold American Express Card | Annual fee $120, $29 for each additional card. Interest 21.99% on purchases, 22.99% on cash advances including balance transfers. | Earn 6 Scene+ points per $1 at Sobeys family grocery stores, 5 points per $1 on other grocery, dining and entertainment, 3 points per $1 on gas, transit and select streaming services, and 1 point per $1 on all other purchases, with the accelerated rates applying to the first $50,000 spent annually. No foreign transaction fees. Welcome offer for accounts opened November 2, 2026 to January 3, 2027: up to 65,000 bonus Scene+ points, 40,000 for $2,000 in eligible purchases in the first 3 months and 25,000 for $7,500 in the first year. | Scotiabank Gold American Express® Card | Scotiabank Canada | 2026-11-15 |
| Credit card | Scotiabank Passport Visa Infinite + Card | 20.99% purchase; Rewards: 1 to 3 points per dollar | Annual Fee: $150; Welcome offer: Earn 25,000 bonus Scene+ points when you spend $2,000 within the first 3 months | The best no foreign transaction fee credit cards in Canada | 2026-11-14 |
| Credit card | Scotiabank Platinum American Express Card | Annual fee $399, supplementary cards $99 per year. Interest 9.99% on purchases, 9.99% on cash advances including balance transfers. Minimum credit limit $10,000. | Earn 2 Scene+ points per $1 on all eligible purchases. No foreign transaction fees, and 10 complimentary airport lounge visits. Offer for accounts opened November 2, 2026 to July 1, 2027: up to 80,000 bonus Scene+ points, presented as up to $2,800 in value in the first 14 months, made up of 45,000 points for $5,000 spent in 6 months, 25,000 more for $10,000 in 12 months, and 10,000 more for a purchase in month 14. | Scotiabank Platinum Amex | Luxury Travel Rewards | Scotiabank Canada | 2026-11-15 |
| GIC | 1-year GIC (non-redeemable) | 2.45% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 2.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC (non-redeemable) | 3.50% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 2.60% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year non-redeemable GIC | 2.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 2.70% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year non-redeemable GIC | 2.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 2.75% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year non-redeemable GIC | 2.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| Mortgage | 1-year fixed closed | 5.490% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 1-year fixed open | 9.750% | Short Term Fixed Rate Mortgages; Open Mortgage - 1 year | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 10-year fixed closed | 6.800% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 2-year fixed closed | 5.240% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 3-year fixed closed | 6.050% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 3-year variable closed (posted) | 6.200% | Posted Rate; Scotia Ultimate Variable Rate Mortgage - 3 Year Closed Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 4-year fixed closed | 6.090% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 5-year fixed (posted) | 6.19% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| Mortgage | 5-year fixed closed | 6.190% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 5-year variable closed (posted) | 5.150% | Posted Rate; Scotia Flex Value Mortgage-Closed 5 Year Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 5-year variable open (posted) | 7.900% | Posted Rate; Scotia Flex Value Mortgage-Open 5 Year Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 6-month fixed closed | 6.090% | Short Term Fixed Rate Mortgages; Flexible/Closed Mortgage - 6 month | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 6-month fixed open | 9.750% | Short Term Fixed Rate Mortgages; Open Mortgage - 6 month | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 7-year fixed closed | 6.400% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 | |
| Personal loan | Personal loan | 6% to 10% | $5,000 to $75,000; Up to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 6% to 10% | 1 to 5 years; $5,000 to $75,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 6% to 10% | Loan amount: $5,000 to $75,000; Loan term: Up to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
| Savings account | Momentum PLUS Savings Account | 4.95% for the first three months | Promo rate for first three months as printed in table; fees $0; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
| Savings account | MomentumPlus Savings Account | 4.95% for the first three months | When you pair a Scotiabank Ultimate Package with a MomentumPLUS Savings Account as printed in table; promo rate | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Scotia High Interest Savings Account Promotional | Up to 5.00% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Savings account | Scotia High Interest Savings Account Promotional | Up to 5.00% | Promotional rate as printed in table; up to 5.00% total interest for first 3 months with eligible welcome offer as printed on page; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Savings account | Scotiabank Momentum PLUS Savings Account | 4.95% for the first three months | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Scotiabank MomentumPlus Savings Account Promotional | 4.95% | 4.95% for the first three months when you pair a Scotiabank Ultimate Package with a MomentumPLUS Savings Account | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
Products as recorded
- Fixed-rate mortgages
- Scotia Flex Value Mortgage
- Scotia Ultimate Variable Rate Mortgage
- Scotia Total Equity Plan (STEP)
The lender's own website.
Sources for this record
- https://www.scotiabank.com/ca/en/0,,1112,00.html
- https://www.bankmortgages.ca/scotiabank-mortgages
- https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada
Encyclopedia captured 2026-11-14.