Rates & Fees

Borrowing Rates

Scotia Plan Loans	Rate
Auto	Rate as low as 7.99% (APR/EAIR)
Mortgages	Rate as low as 5.25% (APR/EAIR)
Unsecured Loan	Rate as low as 11.99% (APR/EAIR)
Cash Secured	Rate as low as 5.99% (APR/EAIR)

*All interest rates expire on November 15, 2021
*Scotia Plan Personal Loans rate varies depending on term and security. Please contact a Scotiabank branch for more information about rates.

Credit Cards Rates & Fees
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Schedule of Charges

Charges	Total Access	Total Access Senior	Electronic Access
Monthly Fee	$13.00	No Fee	$9.00
Monthly Balance Fee Waiver*	N/A	N/A	N/A
Number of Free Transactions Included in Monthly Fee**	10 Branch/Cheque transactions. Unlimited deposits, unlimited self-service transfers between Scotiabank accounts, and unlimited proprietary electronic transactions.	10 Branch/Cheque transactions. Unlimited deposits, unlimited self-service transfers between Scotiabank accounts, and unlimited proprietary electronic transactions.	Unlimited deposits and unlimited self-service transactions on proprietary channels.
Additional Transaction Fees**	Branch: $2.50 ATM: Free POS: Free	Branch: Free ATM: Free POS: Free	Branch: $3.00 ATM: Free POS: Free
Statement Frequency	Monthly	Monthly	Monthly

Charges	Primary Savings (USD)	Primary Savings (EUR, CAD, GBP)	Primary Savings Junior	Signature Savings
Monthly Fee	$3.00	$2.00	No fee	$7.00
Monthly Fee	(If minimum daily closing balance for each entire month or statement period falls below $1,000)	(If minimum daily closing balance for each entire month or statement period falls below $200)		(If minimum daily closing balance for each entire month or statement period falls below $5,000)
Monthly Balance Fee Waiver*	$1,000	$200	N/A	$5,000
Number of Free Transactions Included in Monthly Fee	Unlimited deposits and unlimited self-service transfers between Scotiabank accounts.	Unlimited deposits and unlimited self-service transfers between Scotiabank accounts.	Unlimited deposits and unlimited transactions on POS, Internet and Mobile.	Unlimited deposits and unlimited self-service transfers between Scotiabank accounts.
Additional Transaction Fees**	Branch: $2.50 ATM: $1.25 POS: Free	Branch: $2.50 ATM: $1.25 POS: Free	Branch: $2.50 ATM: $1.25 POS: Free	Branch: $5.00 ATM: $2.50 POS: Free
Interest Calculation	Lowest Monthly Account Balance - Paid Monthly	N/A	Lowest Monthly Account Balance - Paid Monthly	Lowest Monthly Account Balance - Paid Monthly
Cheque Writing Privileges	None	None	None	None
Statement Frequency	Monthly	Monthly	Monthly	Monthly

Item	Fee
Incoming Wire Transfers Fee (Local & Family Islands)	$10.00
Outgoing Wire Transfers (Swift/Telex) Outgoing wire transfers are subject to DFST of 12% that will be added to the correspondent fee	Up to $5,000 (0.5% or min $20)
	$5,001 - $25,000 (0.25% or min $25)
	$25,001- $100,000 (0.125% or $62.50)
	$25,000 - $100,000 (1/8% or min $70)
	Over $100,000 (0.0625% or min $125)

Item	Fee
Duplicate Statement/Statement Request	$10.00
Statement (e-statement)	Free
Stop Payment	$17.00
Minimum Overdraft Interest Charge	$20.00
Overdraft Handling Fee	$10.00
Overdraft Handling Fee	$10.00
Overdrafts (setup/renewal)	$55.00
Certified Cheque	$12.00
Certificate of Balance	$40.00
Reference Letter	$40.00
Standing Order (internal payment)	$5.00
Standing Order (external payments or transfer)	$5.00
Bill Payments (in-branch)	$5.00
Bill Payments (online)	Free
Account closure within 90 days of opening	$100.00
Research	$30.00 (per hour)

Rates and all information above are subject to change without notice.

Item	Fee
Withdrawal at Bank ATM	Free
Withdrawal at a Non-Bank local ATM	$5.00
Withdrawal at an Overseas ATM	$2.50
Mini Statements - Proprietary ATM	Free
Deposits - Proprietary ATM	Free
Balance Enquiry - Proprietary ATM	Free
Replacement Scotiacard	$10.00

Rates & Fees

Borrowing Rates

Schedule of Charges

Retail Banking - Transactional Accounts

Retail Banking - Savings Accounts

Automated Teller Machines (ATM)

Wire Transfers

Drafts

Sundry Fees