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Schedule of charges
Fee changes
Summary of Fee Changes
Effective September 1, 2026
Schedule of Rates and fees
Effective, June 1, 2024
Retail
| Charges | Total Access | Total Access Senior | Electronic Access |
| Monthly Fee | $14.00 | No Fee | $10.00 |
| 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: $3.25 | Branch: $3.25 | Branch: $3.25 |
| ATM: Free | ATM: Free | ATM: Free | |
| POS: Free | POS: Free | POS: Free | |
| Statement Frequency | Monthly | Monthly | Monthly |
| Charges | Primary Savings (USD) | Primary Savings (EUR, CAD, GBP) | Primary Savings Junior | Signature Savings |
| Monthly Fee | $5.00 | $10.00 | No fee | $8.00 |
| (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 $200) | (If minimum daily closing balance for each entire month or statement period falls below $5,000) | ||
| Monthly Balance Fee Waiver* | $200 | $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: $3.00 | Branch: $3.00 | Branch: $3.00 | Branch: $5.50 |
| ATM: $1.35 | ATM: $1.35 | ATM: $1.35 | ATM: $2.70 | |
| POS: Free | POS: Free | POS: Free | 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 | Description |
| Monthly Fee | $40.00 for charged on the Credit Card. $60.00 charged to the MC Black Credit Card |
| Free Items | Unlimited |
| Branch | Included |
| ATM Withdrawal | Included |
| POS | Included |
| Item | Fee |
| Withdrawal at Bank ATM | Free |
| Withdrawal at a Non-Bank local ATM | $3.00 |
| Withdrawal at an Overseas ATM | $3.00 |
| Mini Statements - Proprietary ATM | Free |
| Deposits - Proprietary ATM | Free |
| Balance Enquiry - Proprietary ATM | Free |
| Replacement Scotiacard | $11.00 |
| Item | Fee |
| Incoming Wire Transfers Fee (Local & Family Islands) | $11.00 |
| Outgoing Wire Transfers (Swift/Telex) Outgoing wire transfers are subject to DFSST of 12% that will be added to the correspondent fee |
$100.00 |
| Outgoing Wire Transfer Investigation Fee | $30.00 |
| Wire (Incoming & Outgoing) items returned and recalled, unable to process | $30.00 |
| Item | Fee |
| Draft | $13.20 |
| Local Managers Cheque | $13.20 |
| International Drafts | 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 | $11.00 |
| Statement (e-statement) | Free |
| Stop Payment | $25.00 |
| Minimum Overdraft Interest Charge | $20.00 |
| Overdraft Handling Fee | $10.00 |
| Overdrafts (setup/renewal) | $55.00 |
| Certified Cheque | $13.20 |
| Certificate of Balance | $44.00 |
| Reference Letter | $44.00 |
| 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 | $33.00 (per hour) |
| Branch Cash Withdrawal for amounts under $1,500* | $3.30 |
| Branch Transactions (Deposits & Withdrawal) without ScotiaCard | $10.00 |
| Standing Order Fee | $7.50 |
| Standing Order Amendments | $10.00 |
| Description of Charge | Details of Cost |
| Application/Internal Processing Fee | 1.10% of Loan Amount, Min $138 |
| Stamping Fees: | 1% of loan amount |
| Registration Fee Auto Loans - Private Vehicles |
1% of loan amount |
| Late Payment Fees | $61.00 |
| Extension/Refinance Fees | 1.1% of new money |
| Property Discharge/Satisfaction Fee (Applicable to Lot Loans) | $100 |
| Application Fee | 1.10% of Loan Amount, Min $138 |
| Title Search Flat charge, plus out of pocket expenses |
$83.00 |
| Mortgage commitment fees | 1.10% of loan amount |
| Late fees | $55.00 |
| Renewal fee Charge incurred for renewing a mortgage facility with the Bank |
$138.00 |
| Loan Refinancing / Renegotiating Fee/Extension Fee | 1.10% of new money |
| Prepayment Fee | 90 days interest on any prepayment amount made in excess of the amount you are entitled to for any one calendar year as set out in your Personal credit Agreement |
| Property Discharge/Satisfaction Fee | $100 |
Small Business, Corporate & Commercial
| CREDIT LINE FOR SMALL BUSINESS - AT 97 USD | |
| Monthly Flat Charge | $5.00 $7.00 if Min Balance falls under $200 |
| Free items: Unlimited | |
| Per entry Fee | $0.00 |
| CURRENT ACCOUNT FOR BUSINESS AT 2 USD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | No Free Items |
| Per entry Fee | $0.60 |
| CURRENT ACC0UNT FOR BUSINESS AT 2 CAD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | |
| Per entry Fee | $0.60 |
| CURRENT ACCOUNT INTEREST BEARING AT 7 USD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | |
| Per entry Fee | $0.60 |
| CURRENT ACCOUNT EXEMPT COMPANY AT 9 USD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | |
| Per entry Fee | $0.60 |
| CURRENT ACCOUNT FOREIGN AT 10 USD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | |
| Per entry Fee | $0.60 |
| CURRENT ACCOUNT FOREIGN AT 10 CAD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | |
| Per entry Fee | $0.60 |
| CURRENT ACCOUNT FOR BUSINESS AT 11 USD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: None | |
| Per entry Fee | $0.60 |
| CURRENT ACCOUNT FOR BUSINESS AT 11 CAD | |
| Monthly Flat Charge | $10.00 $15.00 if Min Balance falls under $200 |
| Free items: Unlimited debit transactions | |
| Per entry Fee | $0.60 |
| Monthly Flat Charge | No Fee |
| Free items: Unlimited deposits | |
| Per entry Fee | $5.00 |
| Duplicate Statement/Statement Request | $11.00 |
| Holding Statements (per account per month, collected by PSC) [NOT OFFERED] | $13.20 |
| Stop Payment Order | $25.00 |
| NSF Cheques/Cheques Returned (Any reason) and Items deposited subsequently charged back - Local Currency | $44.00 |
| NSF Cheques/Cheques Returned (Any reason) and Items deposited subsequently charged back - Foreign Currency | $44.00 |
| Change of Signatories (Non-Profit Organizations/Associations, Corporate and Business Accounts) | $35.00 |
| Special Clearing Fee (Fee charged to customers who request immediate clearance for cheques) | $50.00 |
| Standing Order (Set-Up and Per Transaction Fee) | $7.50 |
| Standing Order Amendments | $10.00 |
| Certified Cheque - at drawer's or representative request | $13.20 |
| Duplicate Certified Cheque | $13.20 |
| Internal Transfers to Third Party Accounts or to cover cheques | $11.00 |
Branch Cash Withdrawal for amounts under $1,500 |
$3.30 |
| Audit Certificates, Reference Letters, Other Certifications (Balance, Taxes, Visa, etc.) & Fax Messages at customer's request | $44.00 |
| Search for vouchers, records or accounts | $33.00 per hour |
| Transfer to accounts at other bank - In Branch Fee to be charged to ALL CUSTOMERS |
$10.00 |
| After 2 years notice of inactivity | $25.00 |
| After 5 years notice of inactivity | $50.00 |
| After 7 years notice of inactivity | $50.00 |
| Non Retail Account closure charge - accounts closed within 3 months | $100.00 |
| Photocopies (per item) | min $3.00 per sheet |
| Minimum Overdraft Interest Charge - Calculated on maximum daily balance | $20.00 |
| Overdraft Handling Fee | $10.00 |
| Manager's Cheques / Draft (Local Currency): | $13.20 |
| Foreign Draft Flat Charge for all drafts sold. If cash exchanged for BNS Drafts, or other means of funds transferred charge Refer to Cash Lodgement |
Up to $5,000 .50% or min - $20.00 $5,001 - $25,000 .25% or min - $25 $25,001 - $100,000 .125% or min - $62.50 over $100,000 - .0625% or min - $125 |
| Telephone Transfers - Inland | $11.00 |
| Incoming Wire Transfers Local Family Islands |
$11.00 |
| Outgoing Wire Transfers (Swift/Telex) Outgoing wire transfers are subject to DFST of 12% that will be added to the correspondent fee |
$100.00 |
| Outgoing Wire Transfers (Swift/Telex) - Business/Corporate & commercial Outgoing wire transfers are subject to DFST of 12% that will be added to the correspondent fee |
$100.00 |
| Items returned, unable to process Processing fee plus foreign Bank charge |
$33.00 |
| Flat Charge for each order negotiated on due date (internal or external transfer) | $5.50 |
| Pre-Authorised Payments (PAPs) | $5.50 |
| Standby Fees | 0.5% of total loan and negotiable |
| Application Fee (Normal) - Loans/Overdraft/Credit Line & Guarantees: Readily Realized Collateral Secured Facility (RCC) |
1% of total loan |
| Stamping Fees: Government Stamp Fees |
1% of total loan |
| Annual Review Fee: Readily Realized Collateral Secured Facility (RCC) |
Commercial .25 bp on o/s amount / SB $250.00 |
Overrun Fees: |
$250.00 |
| Overrun Rate | 20.00% |
| Late Reporting Fee - Monthly late provision of annual financial statements. Fee to be applied for each period of 30 days the annual financial statements are late |
$250.00 |
| Discharge of Debenture Flat charge, plus out-of-pocket expenses |
$75.00 |
| Guarantee to government body (apart from guarantee re lost of bill of lading | 1%-2% |
| Guarantee with foreign exchange exposure | 1%-2% |
| Establishment Fee – Non Cash Secured Letter of Credit’s First 3 Months Plus fee for each additional 30 days or part thereof |
1%-2% |
| Establishment Fees – Cash Secured Letter of Credit’s First 30 days Plus fee for each additional 30 days or part thereof |
1%-2% |
| Property Discharge/Satisfaction Fee | $100.00 |
| Payrolls submitted by email using Scotiabank format & process | $2.50 per person |
| Deposits Content Fee Cash/Coin Deposited/Supplies |
$1.00 per $1,000.00 |
| Coin Exchange Fee (For exchange of coins for paper notes) 1% of transaction size - Minimum Fee |
$2.00 per $100 |
| Night/Day Deposit Service (one time setup fee) | $90.00 |
| Lost/Broken keys | $50.00 |
| Additional Keys on the same Branch Service | $50.00 |
| Rental of Head Door Key for use with plastic depository bags - collected annually (April 1st) in advance or part thereof | $90.00 |
| Disposable Plastic Bags Small 9 X 12 |
$100.00 per 100 |
| Unsealed Envelopes | $110 - $220 |
| Sealed Envelopes | $110 - $220 |
| Packages (annual charge) | $110 - $220 |
| Small boxes (annual charge) | $110.00 |
| Large boxes or trunks (annual charge) | $220.00 |
| Documents (Certificates/deeds/policies/Mtge) Annual Charge |
$110 - $220 |
| ATM FEES | |
| Mini Statement - Proprietary ATM | Free |
| Deposits - Proprietary ATM | Free |
| Withdrawal/Transfer - Proprietary ATM | Free |
| Enquiry - Proprietary ATM | Free |
| Withdrawal at ATM internationally (Overseas machine) | $3.00 |
| Replacement ABM/Scotiacard | $11.00 |
| ONLINE BANKING | |
| Account enquiry, bill payments, transfers between accounts, etc. | FREE |
| MOBILE BANKING | |
| Account enquiry, bill payments, transfers between accounts, etc. | FREE |
| MERCHANT SERVICES | Calculated based on estimated annual sales from credit card services and average ticket size |
| E.D.C. Transactions | Calculated based on estimated annual sales from credit card services and average ticket size |
| One time Set-up fee | $0.00 |
| Dial up Terminal (Regular) - Monthly Fee | $35.00 |
| IP Terminal monthly fee | $35.00 |
| Wireless Terminal monthly fee | $60.00 |
| Acceptance of payment for American Express Cards: Commission fee per transaction |
Commission fee negotiated between merchant and AMEX |
| Base Monthly Fee | $30.00 |
| Extra transactions | $0.50 |
| Additional DDA Accounts | $10.00 |
| CMS Security Token Replacement | $0.00 |
| Account Transfers | $1.00 |
| Cross Currency Transfers | $3.00 |
| Third Party Transfers - On Us | $3.00 |
| Third Party Transfers - Off Us | $3.00 |
| Bill Payments | $3.00 |
| Commercial Loan | No charge |
| Term Deposits | No charge |
| BATCH PAYMENTS - PAYROLL/DISBURSEMENTS | |
| Base Monthly Fee | $45.00 |
| Additional per item fee | $0.75 |
| WIRE PAYMENTS | |
| Base Monthly Fee | $50.00 |
| Fee per Transfer | $40.00 |
| BATCH PAYMENTS/COLLECTIONS | |
| Base Monthly Fee | $45.00 |
| Additional Per Item Fee | $0.75 |
| CHEQUE RECONCILIATION | |
| One Time Set-up Fee | $30.00 |
| Base Monthly Fee | $40.00 |
| Additional per Item Fee | $0.75 |
| CONSOLIDATED CASH PLAN | |
| One Time Set-up Fee | $25.00 |
| Base Monthly Fee | $25.00 |
| Additional per deposit | $2.00 |
| INFORMATION REPORTING | |
| Base Monthly Fee | $55.00 |
| Extra transactions | $0.35 |
| Additional DDA Accounts | $10.00 |
| CMS Security Token Replacement | $0.00 |
| Account Transfers | $1.00 |
| Cross Currency Transfers | $3.00 |
| Third Party Transfers - On Us | $3.00 |
| Third Party Transfers - Off Us | $3.00 |
| Bill Payments | $3.00 |
| Commercial Loan | No charge |
| Term Deposits | No charge |
| BATCH PAYMENTS - PAYROLL/DISBURSEMENTS | |
| Base Monthly Fee | $45.00 |
| Additional per item fee | $0.75 |
| WIRE PAYMENTS | |
| Base Monthly Fee | $50.00 |
| Fee per Transfer | $40.00 |
| BATCH PAYMENTS/COLLECTIONS | |
| Base Monthly Fee | $45.00 |
| Additional Per Item Fee | $0.75 |
| CHEQUE RECONCILIATION | |
| One Time Set-up Fee | $30.00 |
| Base Monthly Fee | $40.00 |
| Additional per Item Fee | $0.75 |
| CONSOLIDATED CASH PLAN | |
| One Time Set-up Fee | $25.00 |
| Base Monthly Fee | $25.00 |
| Additional per deposit | $2.00 |
| INFORMATION REPORTING | |
| Base Monthly Fee | $100.00 |
| Extra transactions | $0.20 |
| Additional DDA Accounts | $10.00 |
| CMS Security Token Replacement | $0.00 |
| Account Transfers | $0.75 |
| Cross Currency Transfers | $3.00 |
| Third Party Transfers - On Us | $3.00 |
| Third Party Transfers - Off Us | $3.00 |
| Bill Payments | $3.00 |
| Commercial Loan | No charge |
| Term Deposits | No charge |
| BATCH PAYMENTS - PAYROLL/DISBURSEMENTS | |
| Base Monthly Fee | $75.00 |
| Additional per item fee | $0.50 |
| WIRE PAYMENTS | |
| Base Monthly Fee | $100.00 |
| Fee per Transfer | $40.00 |
| BATCH PAYMENTS/COLLECTIONS | |
| Base Monthly Fee | $75.00 |
| Additional Per Item Fee | $0.50 |
| CHEQUE RECONCILIATION | |
| One Time Set-up Fee | $75.00 |
| Base Monthly Fee | $75.00 |
| Additional per Item Fee | $0.50 |
| CONSOLIDATED CASH PLAN | |
| One Time Set-up Fee | $75.00 |
| Base Monthly Fee | $50.00 |
| Additional per deposit | $2.00 |
| INFORMATION REPORTING | |
| Base Monthly Fee | $200.00 |
| Extra transactions | $0.15 |
| Additional DDA Accounts | $5.00 |
| CMS Security Token Replacement | $0.00 |
| Account Transfers | $0.50 |
| Cross Currency Transfers | $3.00 |
| Third Party Transfers - On Us | $3.00 |
| Third Party Transfers - Off Us | $3.00 |
| Bill Payments | $3.00 |
| Commercial Loan | No charge |
| Term Deposits | No charge |
| BATCH PAYMENTS - PAYROLL/DISBURSEMENTS | |
| Base Monthly Fee | $150.00 |
| Additional per item fee | $0.25 |
| WIRE PAYMENTS | |
| Base Monthly Fee | $150.00 |
| Fee per Transfer | $40.00 |
| BATCH PAYMENTS/COLLECTIONS | |
| Base Monthly Fee | $150.00 |
| Additional per item fee | $0.25 |
| CHEQUE RECONCILIATION | |
| One Time Set-up Fee | $125.00 |
| Base Monthly Fee | $150.00 |
| Additional per Item Fee | $0.25 |
| CONSOLIDATED CASH PLAN | |
| One Time Set-up Fee | $125.00 |
| Base Monthly Fee | $100.00 |
| Additional per deposit | $2.00 |
Rates and all information above are subject to change without notice.