When you make a purchase or cash advance in a foreign currency other than your credit card’s, you may be charged a foreign currency conversion fee in addition to the exchange rate that applies. Foreign currency transactions can occur online or outside of Canada, depending upon your card's currency.

Note: If you have a Scotiabank U.S. Dollar credit card account, transactions are processed in U.S. Dollars on your account.

Please review the Fees at a glance page on our website for current information about the foreign currency conversion fee.

To see if foreign currency conversion fees apply to your card, you can review your Credit Agreement and the disclosure statement for your credit card account. You may also want to check if one of our Scotiabank credit cards with no foreign currency conversion works for you.