Get up to $1,800 in value in the first year*
Join the StartRight™ Program designed for newcomers to Canada.‡
New to Canada?
From understanding banking basics to setting financial goals and more - the StartRightTM Program can help make banking in Canada easier.
Plan your future with Scotiabank
Whether you're a newcomer to Canada or an international student get all the necessary information, tailored advice and support you need with Scotiabank.
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Newcomers
Explore newcomer banking solutions, credit cards and more.
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International students
Our program for international students is one of the longest of its kind in Canada.
“Embrace the unknown as an adventure.”
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Banking in Canada
Learn banking basics to get your finances on track for your future in Canada.
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Start building your credit today
Apply for a Canadian credit card today, even if you don't have a credit history.
Value of up to $1,800 is calculated as follows: i) up to $583.30 first year value with the StartRightTM Program + ii) Up to $1,287 in Preferred Package, TFSA/RRSP and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:
i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRightTM customers as of March 1st, 2024:
- $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
- $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);
- $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade)
Actual value will depend on individual usage of the StartRightTM Program features and products. Conditions apply. All products and features are subject to change.
ii) Value of up to $1,287 in Scotiabank welcome offers and first year point earn potential includes the following as of March 1, 2024:
- $550 ($350 cash offer for new Preferred Package customers + $50 when you open a new TFSA or RRSP & set up a pre-authorized contribution + $150 when you deposit $3,000 into a new registered plan);
- $300 value for new Scotiabank Passport Visa Infinite customers who can earn up to 30,000 bonus Scene+TM* points plus $50 annual fee waiver on your first supplementary card;
- $287 in first year point earn potential (28,733 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 19% in 2x accelerator categories;
- $104 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by other card issuers).
Actual offers and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.