Our Online Security Guarantee

We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorised activity¹ in your accounts through Scotia OnLine² provided you have met your security responsibilities.

Our Commitment to You:

At Scotiabank, we're committed to keeping your accounts and financial information safe and secure, from the moment you sign on to Scotia OnLine to the time you sign out. As part of this commitment, we have instituted a number of security measures to help ensure the integrity of your transactions and your account information, including:

Meeting high industry Internet security standards by enforcing the use of 128-bit encryption browsers.

Installing firewalls and monitoring our systems to prevent unauthorised access to our internal systems and maintain the safety of your information.

Developing and implementing security enhancements to further protect Scotia OnLine information and sessions. We provide such security features like Remember My Card, One-Time Password, Biometric Authentication and Session Timeouts. We also offer you an extra level of security protection by displaying the date and time of the last online visit, whenever you login to Scotia OnLine.

A Shared Responsibility:

To ensure you are protected under the Online Security Guarantee, you must do your part, too. That means it is your responsibility to abide by the terms of our customer agreements³and follow the guidelines in the Safe Computing Practices section of Scotiabank's website. In particular, you must:

Carefully select your Scotia OnLine /Mobile Banking sign on password. Never select a password that is the same as or similar to an obvious number combination such as your date of birth, bank account numbers, ATM PIN number, or telephone numbers.
Do not allow others to access or enroll their biometric information on your phone.
Keep your ScotiaCard number, Scotia OnLine sign on password, and ScotiaCard Security Code number (last three italicised numbers printed on the back of your ScotiaCard) confidential. Do not divulge this information to anyone – including family members, friends, employees, bookkeepers, or anyone else. Do not write this information down, keep a poorly disguised record of it, or keep it together with your ScotiaCard.
Never store your banking passwords on your phone, and secure your mobile phone with a password and biometrics if available.

By working together, you can help us protect your financial and personal account information.

"Unauthorised activity" means a transaction that was carried out in your Scotiabank account through Scotia OnLine without your permission, authorisation, or knowledge and where it can be established that you are a victim of fraud, theft, or coercion.

"Accounts" include all accounts that are accessible through Scotia OnLine.

Customer agreements include the Investment Companion Booklet, the Scotiabank Group Privacy Agreement, as well as the agreements governing your personal or business banking or brokerage account(s) or other financial service or product offered by us.