{"id":9059,"date":"2022-08-05T07:28:02","date_gmt":"2022-08-05T14:28:02","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=9059"},"modified":"2025-01-10T12:18:49","modified_gmt":"2025-01-10T20:18:49","slug":"scotiabank-review","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/banking\/scotiabank-review","title":{"rendered":"Scotiabank Review"},"content":{"rendered":"\n<div class=\"wp-block-group is-style-disclosure is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\">Many or all of the products featured here are from <a href=\"https:\/\/www.nerdwallet.com\/ca\/nerdwallet-partners\">our partners<\/a> who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-trust-card\"><div class=\"c-block-trust-card\"><h3 class=\"c-block-trust-card__title\">Scotiabank at a glance<\/h3><div class=\"c-block-trust-card__description\"><p>Scotiabank was founded in 1832 and is one of Canada\u2019s Big Six banks.<\/p><\/div><ul class=\"c-block-trust-card__bullet-points\">\n<li class=\"wp-block-nerdwallet-blocks-trust-card-bullet c-block-trust-card__bullet-point\"><div class=\"c-block-trust-card__bullet-point__title\"><strong>Scotiabank account options<\/strong><\/div><div class=\"c-block-trust-card__bullet-point__intro\">Savings<br>Chequing<br>Visa, Mastercard and AmEx credit cards<br>Investing<\/div><\/li>\n\n\n\n<li class=\"wp-block-nerdwallet-blocks-trust-card-bullet c-block-trust-card__bullet-point\"><div class=\"c-block-trust-card__bullet-point__title\"><strong>Other Scotiabank services<\/strong><\/div><div class=\"c-block-trust-card__bullet-point__intro\">Mortgages<br>Loans and lines of credit<br>Wealth management<br>Small business banking<br>Insurance<br>Portfolio management solutions<\/div><\/li>\n<\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Scotiabank overview<\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image alignright size-medium is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-300x169.png\" alt=\"\" class=\"wp-image-9137\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-300x169.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-1024x576.png 1024w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-768x432.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-1536x864.png 1536w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-2048x1152.png 2048w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-460x259.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-373x210.png 373w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-276x155.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-100x56.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-40x23.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-150x84.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n<\/div>\n\n\n\n<p class=\"\">Founded in Halifax in 1832, Scotiabank is one of Canada\u2019s oldest and largest banks, a more or less permanent member of the country\u2019s <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/big-5-big-6-banks-canada\">Big Six financial institutions<\/a>. In addition to providing a full range of banking services for individuals and businesses in Canada, Scotiabank also operates in the U.S., Mexico, the Caribbean, and parts of Central America, South America, Europe and Asia. As of October 2024, Scotiabank employed more than 89,000 workers and held assets worth approximately $1.4 trillion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Online banking capabilities at Scotiabank<\/h3>\n\n\n\n<p class=\"\">In addition to operating 900 branches across Canada, Scotiabank also offers its customers the ability to bank digitally.<\/p>\n\n\n\n<p class=\"\">Scotiabank\u2019s online banking portal allows customers to pay bills and <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/how-to-transfer-money\">transfer money<\/a>, check their TransUnion credit score, monitor investments and receive alerts about account activity.&nbsp;<\/p>\n\n\n\n<p class=\"\">Customers can also do their banking using the Scotia mobile app, which allows them to check their account balances, deposit cheques, move money, send transfers and get quick answers to common questions from a cell phone or tablet. <\/p>\n\n\n\n<p class=\"\">Scotiabank\u2019s digital footprint also includes <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tangerine-bank-review\">Tangerine<\/a>, an online-only bank the institution purchased in 2012.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is your money safe at Scotiabank?<\/h3>\n\n\n\n<p class=\"\">Scotiabank is a member of <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/banking-what-is-cdic-deposit-insurance\">Canada Deposit Insurance Corporation<\/a>, or CDIC, which means deposits under the bank\u2019s care are protected in the unlikely event it becomes insolvent.&nbsp;<\/p>\n\n\n\n<p class=\"\">Deposits in chequing and savings accounts, <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/how-to-invest-in-tfsa\">tax-free savings accounts<\/a>, non-registered accounts, and registered accounts, such as <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-rrsp\">retirement<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-an-resp\">education<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-is-rdsp\">disability<\/a> savings plans, are all insured at Scotiabank via the CDIC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Scotiabank account types<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Scotiabank savings accounts<\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts#scotiabank-momentumplus-savings-account\">MomentumPLUS Savings Account<\/a>:<\/strong> Earn interest with no monthly account fees or minimum balance requirement.<\/li>\n\n\n\n<li class=\"\"><strong>Money Master Savings Account:<\/strong> Free self-serve transfers between Scotiabank accounts and no monthly account fees.<\/li>\n\n\n\n<li class=\"\"><strong>Scotia U.S. Dollar Daily Interest Account: <\/strong>Competitive exchange rates and no monthly account fees with a minimum US$200 balance, or if the account holder is 60 or older.<\/li>\n\n\n\n<li class=\"\"><strong>Scotia Euro Daily Interest Savings Account:<\/strong> Competitive exchange rates and no monthly account fees with a minimum 200 euro balance, or if the account holder is 60 or older.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Scotiabank chequing accounts<\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>Ultimate Package: <\/strong>Unlimited debit interactions, no-fee <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-interac-e-transfer\">Interac e-transfers<\/a> and no overdraft protection fee (though you\u2019ll pay interest and a $5 handling fee on overdraft items). No monthly account fee if you maintain a minimum daily balance of $6,000; otherwise $30.95 per month.<\/li>\n\n\n\n<li class=\"\"><strong>Preferred Package:<\/strong> Unlimited debit transactions and Interac e-transfers, plus preferred rates on select <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-scotiabank-gic-rates\">Scotiabank GICs<\/a>. No monthly account fee with a minimum daily balance of $4,000; otherwise $16.95 per month.<\/li>\n\n\n\n<li class=\"\"><strong>Basic Plus Bank Account: <\/strong>25 free debit transactions per month and free Interac e-transfers. No monthly fee with a minimum daily balance of $3,000; otherwise $11.95 per month.<\/li>\n\n\n\n<li class=\"\"><strong>Getting There:<\/strong> A no-fee <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-kids-bank-account\">kids bank account<\/a> and rewards program for customers under age 19. Rewards earned with debit transactions, which are unlimited.<\/li>\n\n\n\n<li class=\"\"><strong>Student Banking Advantage Plan: <\/strong>A no-fee <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/student-bank-accounts-explained\">student bank account<\/a> that earns rewards. Unlimited debit transactions and Interac e-transfers.<\/li>\n\n\n\n<li class=\"\"><strong>Basic Bank Account:<\/strong> Free e-transfers and 12 free transactions per month for a $3.95 account fee.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Scotiabank credit cards<\/h3>\n\n\n\n<p class=\"\">Scotiabank offers a wide variety of Visa, Mastercard and American Express credit cards in Canada, including:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/scotia-momentum-visa-infinite-review\">Scotia Momentum<em> <\/em>Visa Infinite Card.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/scotiabank-passport-visa-infinite-card-review\">Scotiabank Passport Visa Infinite Card.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/scotiabank-gold-american-express-card-review\">Scotiabank Gold American Express Card.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/scotiabank-value-visa-card-review\">Scotiabank Value Visa Card<\/a>.<\/li>\n\n\n\n<li class=\"\">Scotiabank Scene+ Visa Card (for students).<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/scotiabank-american-express-platinum-card-review\">Scotiabank Platinum American Express Card.<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\">Learn more about <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-scotiabank-credit-cards-in-canada\">Scotiabank credit cards<\/a> and how the bank&#8217;s <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/scotiabanks-scene-rewards\">Scene+ rewards program<\/a> works.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scotiabank investing accounts<\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>Savings Accelerator Account:<\/strong> Earn more interest with a higher balance on registered and non-registered plans.<\/li>\n\n\n\n<li class=\"\"><strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-tfsa\">Tax-free savings account (TFSA)<\/a>:<\/strong> Put your money to work over the short- and long-term.<\/li>\n\n\n\n<li class=\"\"><strong>First home savings account (FHSA):<\/strong> Save for your down payment in a special tax-advantaged account.<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-rrsp\"><strong>Registered retirement savings plan (RRSP)<\/strong><\/a><strong>:<\/strong> Grow your retirement savings on a tax-deferred basis.<\/li>\n\n\n\n<li class=\"\"><strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-is-rrif\">Registered retirement income fund (RRIF)<\/a>:<\/strong> Secure a regular income after retirement. Can be either self-directed or managed.&nbsp;<\/li>\n\n\n\n<li class=\"\"><strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-is-rdsp\">Registered disability savings plan (RDSP)<\/a>:<\/strong> Save money for a disabled loved one. <\/li>\n<\/ul>\n\n\n\n<p class=\"\">Scotiabank also offers other products, such as <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada\">Guaranteed investment certificates (GICs)<\/a>, exchange traded funds (ETFs) and mutual funds for investors looking to diversify their portfolios.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong>&nbsp;Read our&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/scotiabank-tax-free-savings-account-review\">Scotiabank TFSA review<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other Scotiabank services<\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\">StartRight: Banking services and loan products designed for <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/banking-helps-canadian-newcomers-get-settled\">newcomers to Canada<\/a>.<\/li>\n\n\n\n<li class=\"\">Senior bank accounts: Discounted services for older Canadians.<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/scotiabank-mortgage-review\">Mortgages<\/a> and home equity lines of credit (HELOCs).<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-line-of-credit\">Lines of credit<\/a>.<\/li>\n\n\n\n<li class=\"\">Wealth management.<\/li>\n\n\n\n<li class=\"\">Small business banking.<\/li>\n\n\n\n<li class=\"\">Insurance.<\/li>\n\n\n\n<li class=\"\">Portfolio management solutions for investment accounts and online trading.<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> See today&#8217;s <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/scotiabank-mortgage-rates\">mortgage rates at Scotiabank<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Scotiabank fees<\/h2>\n\n\n\n<p class=\"\">Banking fees can vary based on the accounts you have and how you use them. Here are some of the<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/bank-fees-and-charges\"> common fees<\/a> you may encounter using Scotiabank\u2019s financial products and services:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-nsf-fee\">Non-sufficient funds<\/a>: $48<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-overdraft\">Overdraft protection<\/a>: $5 per month or instance, depending on your plan<\/li>\n\n\n\n<li class=\"\">ABM withdrawals outside the network: $2-$5<\/li>\n\n\n\n<li class=\"\">Inactivity fees: $20-$40<\/li>\n\n\n\n<li class=\"\">Account closed within 90 days of opening: $20<\/li>\n\n\n\n<li class=\"\">Credit card foreign currency conversion fee: 2.5% is added to the exchange rate in most cases<\/li>\n\n\n\n<li class=\"\">RRSP, TFSA or RRIF transfer to another institution: $150<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Who Scotiabank is best for<\/h2>\n\n\n\n<p class=\"\"><strong>Canadians who want to bank with a globally known institution and don\u2019t mind paying some monthly fees.<\/strong><\/p>\n\n\n\n<p class=\"\">As a full-service financial institution, Scotiabank has products and services for any consumer. It could be an especially good fit if you plan to scale up your banking needs over the years. The relationship you build as a new customer could help you down the road.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros and cons of Scotiabank<\/h3>\n\n\n\n<p class=\"\">There\u2019s plenty to like about Scotiabank, but no<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-credit-union\"> bank or credit union<\/a> is without its drawbacks. Here\u2019s what to consider before you open an account with this banking giant.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-pros-cons c-block-pros-cons\"><h4 class=\"c-block-pros-cons__pros-title\">Pros of Scotiabank<\/h4><ul class=\"c-block-pros-cons__pros-values\"><li>Ability to bank online or in person.<\/li><li>A wide variety of accounts, including specialized products for immigrants, students and seniors.<\/li><li>Some low-fee chequing accounts.<\/li><li><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-no-fee-chequing-accounts\">No-fee chequing accounts<\/a> for youth and seniors.<\/li><\/ul><h4 class=\"c-block-pros-cons__cons-title\">Cons of Scotiabank<\/h4><ul class=\"c-block-pros-cons__cons-values\"><li>A slightly higher insufficient funds fee than some other banks.<\/li><li>Interest rates for savings accounts may not be as high as those from online-only banks.<\/li><li>Avoiding monthly fees on chequing accounts requires minimum daily balances some customers may have difficulty maintaining.<\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Scotiabank compares to other big banks<\/h2>\n\n\n<div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-439\" class=\"tablepress tablepress-id-439\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">ATMs and branches<\/th><th class=\"column-3\">Are deposits insured?<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/royal-bank-canada-rbc-review\">RBC<\/a><\/td><td class=\"column-2\">ATMs: 4,000+ <br \/>\nBranches: 1,100+<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/national-bank-of-canada-review\">National Bank of Canada<\/a><\/td><td class=\"column-2\">ATMs: 2,000+ <br \/>\nBranches: 360+<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/td-bank-review\">TD Bank<\/a><\/td><td class=\"column-2\">ATMs: 2,500+ <br \/>\nBranches: 1,000+<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/bank-of-montreal-bmo-review\">BMO<\/a><\/td><td class=\"column-2\">ATMs: 3,200+ <br \/>\nBranches: 800+<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/cibc-review\">CIBC<\/a><\/td><td class=\"column-2\">ATMs: 2,900+ <br \/>\nBranches: 1,000+<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/scotiabank-review\">Scotiabank<\/a><\/td><td class=\"column-2\">ATMs: 3,500+ <br \/>\nBranches: 900+<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong>&nbsp;Check out our <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/reviews\" target=\"_blank\" rel=\"noreferrer noopener\">Banking reviews<\/a> of other Big Banks, credit unions and online-only banks.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 class=\"c-block-faq__title\"><\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion__header\"><h3 class=\"c-block-accordion__title\">Scotiabank frequently asked questions<\/h3><\/div><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Is Scotiabank a Canadian bank?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">Yes, Scotiabank was founded in Halifax in 1832 and is headquartered in Toronto. However, while the bank offers services in many countries, including the U.S., China and Peru, it is indeed a Canadian bank.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">What makes Scotiabank unique?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">Because it operates in so many different places, Scotiabank is considered Canada\u2019s most international bank. While it doesn\u2019t offer a full range of services in every country, Scotiabank and its affiliates can be found throughout North America and in parts of Central and South America, the Caribbean, Asia and Europe.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-11015\" class=\"c-block-card post-11015 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-chequing-account\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-chequing-account\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Best-Chequing-Accounts-e1663104804381-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best Chequing Accounts in Canada for 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-chequing-account\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest Chequing Accounts in Canada for 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Choose the best chequing account for your everyday banking needs by comparing the fees, features and conveniences.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Headshot_Siddhi-Jahagirdar-e1648746969870-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Siddhi Bagwe<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-11015 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-17945\" class=\"c-block-card post-17945 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-guaranteed-investment-certificates-gic\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-scotiabank-gic-rates\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/05\/scotiabank-gic-rates-page-image-e1684958941791-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best Scotiabank GIC Rates for January 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-scotiabank-gic-rates\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest Scotiabank GIC Rates for January 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Scotiabank offers redeemable, non-redeemable and market-linked GICs with competitive interest rates and terms starting at 1 year.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-17945 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1893\" class=\"c-block-card post-1893 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-banking-basics cluster-online-banking\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/online-banks-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/09\/GettyImages-665585020-e1632585207625-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How Does an Online Bank Work?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/online-banks-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow Does an Online Bank Work?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Online banks typically charge lower fees and deliver better interest rates on savings than traditional brick-and-mortar financial institutions, but may lack certain products and services.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Headshot_Siddhi-Jahagirdar-e1648746969870-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Siddhi Bagwe<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1893 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-43571\" class=\"c-block-card post-43571 page type-page status-publish hentry content-classification-mortgages topic-mortgage-rates cluster-compare-mortgage-rates\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/scotiabank-mortgage-rates\" rel=\"bookmark\">\n\t\t<div class=\"c-block-card__placeholder\">\n\t\t\t<img\n\t\t\t\tclass=\"c-block-card__image nw-placeholder-image\"\n\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/themes\/nerdwallet\/assets\/images\/nerdwallet-placeholder-310x207.webp\"\n\t\t\t\talt=\"Image Placeholder\"\n\t\t\t>\n\t\t<\/div>\n\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/scotiabank-mortgage-rates\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tToday&#8217;s Best Scotiabank Mortgage Rates\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Scotiabank&#8217;s mortgage rates tend to be competitive with those at other Big Six banks. Scotiabank&#8217;s current prime rate is 4.95%.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-43571 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotiabank is one of Canada\u2019s Big Six banks. It offers online and in-person services that include personal, small business and corporate banking as well as mortgages and wealth management.<\/p>\n","protected":false},"author":25,"featured_media":9137,"parent":100,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":"{\"@context\":\"http:\/\/schema.org\",\"@type\":\"Product\",\"name\":\"Scotiabank Review\",\"review\":{\"@type\":\"Review\",\"name\":\"Scotiabank Review\",\"author\":{\"@type\":\"Person\",\"name\":\"Post Author\"},\"positiveNotes\":{\"@type\":\"ItemList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Ability to bank online or in person.\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"A wide variety of accounts, including specialized products for immigrants, students and seniors.\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Some low-fee chequing accounts.\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"No-fee chequing accounts for youth and seniors.\"}]},\"negativeNotes\":{\"@type\":\"ItemList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"A slightly higher insufficient funds fee than some other banks.\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Interest rates for savings accounts may not be as high as those from online-only banks.\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Avoiding monthly fees on chequing accounts requires minimum daily balances some customers may have difficulty maintaining.\"}]}}}"},"content-classification":[15],"topic":[107],"cluster":[212],"pp_author":[87],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Scotiabank Review 2025 - NerdWallet<\/title>\n<meta name=\"description\" content=\"Scotiabank is one of Canada\u2019s largest banks. It offers both online and in-person services that include personal banking accounts, mortgages and credit cards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/scotiabank-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scotiabank Review 2025 - NerdWallet\" \/>\n<meta property=\"og:description\" content=\"Scotiabank is one of Canada\u2019s largest banks. 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