Make sure your math is mathing

Scotiabank StartRight^® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.

Value of up to $212.50 in welcome bonuses and point value with the Scene+™ Student Banking Bundle includes $100 cash and up to 11,250 in bonus Scene+ points (valued at up to $112.50) as follows:

1. $100 cash offer for new Preferred Package for Students and Youth customers
2. 5,000 Scene+ points ($50 value) for new Scotiabank^® Scene+^TM Visa^* Card customers
3. 1,250 Scene+ points ($12.50 value) for new customers who combine the products above with a new Money Master Savings Account
4. 5,000 Scene+ points ($50 value) when you bundle all 3 of the above accounts and complete certain qualifying transactions

Conditions apply. Please see Scotiabank^® Scene+^TM Bundle for Students Offer.

To qualify for the $100 bonus (the “Offer”), you must: 

1. Open a new Preferred Package for Students and Youth (an “Eligible Account”) between May 26 and July 1, 2025; and
2. Complete any two of the following activities in your Eligible Account within 60 days of Eligible Account opening:

o   Set up and make at least 1 eligible^♢♢  automated and recurring direct deposit, which will recur monthly for a minimum of three (3) consecutive months, or

o   Set up and make at least one (1) eligible^♢♢  recurring pre-authorized transaction with a minimum value of $25 per transaction, which will recur monthly for a minimum of  three (3) consecutive months, or

o   Complete at least five online (5) Visa* Debit purchases using your ScotiaCard® anywhere Visa* Debit is accepted. Only the following Visa Debit transaction types are eligible: online debit purchases, and in-store purchases made outside of Canada

^♢♢ Click here for a list of eligible direct deposits and pre-authorized transactions. While a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit or pre-authorized transaction is eligible for the Offer. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Offer.

Eligibility Exclusions: Individuals who are currently holders of a Scotiabank Chequing Account are not eligible for the Offer. Individuals who were previously holders of a Scotiabank Chequing Account within the last two (2) years are not eligible for the Offer. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Preferred Package for Students and Youth, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan. Employees of Scotiabank are also not eligible for the Offer.

General Terms: The $100 cash bonus will be deposited to the Eligible Account within six (6) months from account open date provided all Offer conditions outlined above have been met. The Eligible Account must be open and in good standing until the time of payout of each bonus. The Eligible Account is not in "good standing" if: (i) it has a negative balance exceeding the authorized overdraft limit, or (ii) it has been in continuous overdraft for a period of three consecutive months. For joint accounts, only the primary account holder will receive the bonuses. The Offer is non-transferable and may not be duplicated. Limit of one (1) Offer per customer, regardless of the number of Eligible Accounts opened. If more than one (1) Eligible Account is opened, only the first Eligible Account opened will be eligible for the Offer. All rates, fees, features and benefits are subject to change. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Scene+ points redeemed at any Participating Empire location must be redeemed in increments of 1,000. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

Offer Description and Conditions: The 5,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Scene+ Visa credit card accounts (“Account”) opened between March 3, 2025 and October 31, 2025 and is subject to the below terms and conditions. 
 

To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 2,500 bonus Scene+ points (the “Additional 2,500 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. 
 

The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 2,500 Point Bonus and Additional 2,500 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000) in the appropriate time frame (i.e., first 3 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 2,500 Point Bonus or the Additional 2,500 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period.  Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

 

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank business credit cardholders are also eligible for the Offer.

 

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).  All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change. 

Scene+ Bundle for Students General Terms

1. The Scotiabank Scene+ Bundle for Students Offer (the “Student Offer”), includes the Money Master Offer (for 1,250 Scene+ Points) and the Scene+ Bundle Bonus Offer (for 5,000 Scene+ Points) (each, an “Offer”), all as described in further detail below.

2. The Student Offer is available between May 26, 2025 and July 1, 2025 (the “Offer Period”).

3. For the purposes of this Student Offer, an “Eligible Bundle Account” means any of the following accounts:

• Preferred Package for Students & Youth with a Scene+ ScotiaCard®* (a “PPSY Account”);
• Scotiabank Scene+ Visa* Card, Scotia Momentum® No-Fee Visa* Card, Scotia Momentum® Visa* Card, Scotiabank American Express® Card and Scotiabank Value® Visa* Card (each an “Eligible Credit Card Account”), and
• Money Master Savings Account (a “MMSA”).

4. The Student Offer is subject to the Scene+ program terms and conditions. See the Scene+ program for full details.

5. By applying for, or accepting any Offer, you understand that the application of any Offer to a joint eligible account may allow the other joint account holder to become aware that you have other products with Scotiabank.

6. Credit card accounts are subject to credit review and approval.

7. Scotiabank may change, cancel or extend this Student Offer (or any of the Offers) at any time without notice.

8. The Student Offer is only available for new Eligible Bundle Accounts opened in accordance with these terms and conditions. The following individuals are ineligible for the Student Offer:

i.            individuals who are currently or were holders of a MMSA in the last 6 months preceding this Offer;
ii.            individuals who are currently holders of an Eligible Credit Card Account or who were previously holders of any Scotiabank credit card account within the last two (2) years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account,
iii.            individuals who are currently holders of a Scotiabank Chequing Account or who were previously holders of a Scotiabank Chequing Account within the last two (2) years are not eligible for the Student Offer. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan, Preferred Package for Students and Youth.

1,250 Scene+ Points – Money Master Savings Account Offer (the “Money Master Offer”)

9. Receive 1,250 Scene+ points when you open a new MMSA, and become a holder of all three Eligible Bundle Accounts, both within the Offer Period. The primary client on the Money Master Savings Account must be the same primary client on the other Eligible Bundle Accounts. Only the primary account owner will be eligible for the Money Master Offer.

10. The 1,250 Scene+ points will be deposited to the Scene+ membership account linked to the primary MMSA holder’s Scene+ ScotiaCard within three (3) months from MMSA open date provided all Money Master Offer conditions have been met. The MMSA must be open until the time of payout of the Offer.

11. Limit of one (1) Money Master Offer per customer, regardless of the number of MMSAs opened. If more than one (1) MMSA is opened, only the first MMSA opened will be eligible for the Money Master Offer. If more than one (1) MMSA is opened on the same day, only one (1) MMS will be eligible.

5,000 Scene+ Points Bundle Bonus Offer (the “Scene+ Bundle Bonus Offer”)

12. You will be eligible for the Scene+ Bundle Bonus Offer if:

1. You become the holder of all three Eligible Bundle Accounts within the Offer Period; and
2. You complete any two of the following activities in your PPSY Account within 60 days of PPSY Account opening:

• Set up and receive at least one (1) eligible^♢♢ automated and recurring direct deposit, which will recur monthly for a minimum of three (3) consecutive months, or
• Set up and make at least one (1) eligible^♢♢ recurring pre-authorized transaction with a minimum value of $25 per transaction, which will recur monthly for a minimum of three (3) consecutive months, or
• Complete at least five eligible (5) Visa* Debit purchases using your ScotiaCard® anywhere Visa* Debit is accepted. Only the following Visa Debit transaction types are eligible: online debit purchases and in-store purchases made outside of Canada.

^♢♢ Click here for a list of eligible direct deposits and pre-authorized transactions. While a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit or pre-authorized transaction is eligible for the Scene+ Bundle Bonus Offer. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Scene+ Bundle Bonus Offer.

13. The 5,000 Scene+ points will be deposited to the Scene+ membership account linked to the customer within 6 months after all terms and conditions of this Scene+ Bundle Bonus Offer are completed and the eligible pre-authorized transaction, direct deposit or Visa debit purchase, as applicable, have cleared the PPSY Account and so long as all 3 Eligible Bundle Accounts are open at the time of award. For joint accounts, only the primary account holder will be awarded the bonus Scene+ points regardless of which account holder completes the Scene+ Bundle Bonus Offer terms and conditions.

As of May 26, 2025, new and existing Preferred Package for Students and Youth account holders who have or open a Scotia iTRADE® account will receive a waiver of commission on all eligible commissionable trades (up to $9.99 CAD/USD per transaction) (the “Waiver”). The Waiver relating to options will be applied to base commissions only.

Note: it can take up to 10 business days from the date of opening a new Preferred Package for Students and Youth account or Scotia iTRADE® account for the Waiver to apply.  The Waiver will be applied at the time of trade.

Eligibility & Exclusions:

• Eligible commissionable trades include stocks, ETFs and options (base commission only) placed across all Preferred Package for Students and  Youth primary account holder’s Scotia iTRADE® accounts after the later of May 26, 2025 and the time when a client opens a Scotia iTRADE® account. 
• Corporate and non-personal Scotia iTRADE® accounts are not eligible. 
• Only the primary account holder of a Preferred Package for Students and Youth account and of a Scotia iTRADE® account will be entitled to receive the Waiver in their Scotia iTRADE® account(s). 
• Both the Preferred Package for Students and Youth account and Scotia iTRADE® accounts must be open and in good standing on the last day of every month for the Waiver to apply.
• The Scotia iTRADE® account must not be in a disallowed debit position and must not have any outstanding margin calls due. 
• Preferred Package Students and Youth account holders will not qualify for iClub membership based solely on their trading activity.
• No cash redemption value. 
• This offer can be combined with other Scotia iTRADE® programs and campaigns unless otherwise specified.
• Must be at least the age of majority in province of residence to open a Scotia iTRADE® account.

Scotia iTRADE® (Order-Execution Only) is a division of Scotia Capital Inc. (“SCI”). SCI is regulated by the Canadian Investment Regulatory Organization and is a member of the Canadian Investor Protection Fund. Scotia iTRADE® does not provide investment advice or recommendations and investors are responsible for their own investment decisions.

$280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer). For customers onboarded as a part of the Scotiabank StartRight™ Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at https://www.scotiabank.com/international-money-transfer

Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.™ Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license. 

Registered trademarks of The Bank of Nova Scotia.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Visa Int. / Licensed User.

Interac e-Transfer is a registered trademark of Interac Corp. Used under license.