How do I recategorize a merchant or purchase using Scotia Smart Money?
There are two ways you can recategorize (or “reclassify”) a Category for a specific transaction:
Option 1:
- From the app’s home screen, tap the relevant account
 - Select the transaction you want to change
 - You’ll see transaction details for your selected transaction
 - Select the category
 - Choose your new category
 - You can choose to change the category for all future transactions from this merchant
 - Tap Update category
 
Option 2:
- From the app’s home screen, tap Advice+
 - Tap Cashflow, Budget, or an insight
 - Select the transaction you want to change
 - Choose your preferred category from the drop-down list
 - To assign this category for all future transactions from this merchant, check Apply to similar future transactions
 - Tap Update
 
Your credit card rewards don’t change if you reclassify a merchant transaction in Scotia Smart Money. Your transaction under the account for that merchant will remain the same.
Last updated June 6, 2025