To start banking in the Scotia app:

1. Download the Scotia app from the Apple App Store if you have an iPhone or iPad, or from the Google Play Store if you have an Android device
2. At the login screen, select New to online banking? Activate now
3. Select your account type
   • If you have multiple accounts, including a chequing account with a Scotia debit card, select ScotiaCard
   • If you don't have a ScotiaCard, select the option that matches the account type you’re setting up online banking with
4. You’ll then be prompted to create a username and password for yourself
   • If you only have a credit card, line of credit, investment, loan, or mortgage, you’ll be asked to create a username when you sign in. After creating a username, you’ll need to use it instead of your account number every time you sign in
   • If you have a ScotiaCard, you can sign in with either your username or debit card number
5. You’ll be asked to agree to our Digital Access Agreement, which sets out your rights and obligations as well as Scotiabank’s
6. Once that’s done, you’re ready to start online banking

For a detailed step-by-step guide complete with visuals, visit our How to get started with online banking on your smartphone page.

Once you’re online, visit our Mobile banking features page on Bank Your Way for helpful guides on how to get the most out of your online banking.