Here's how Scotiabank protects you.

Below, you'll find the steps we take to protect your finances and your information from scams. Learn how we can help you with cybersecurity and fraud prevention.

Learn more

Digital Banking Security Guarantee.

We're committed to keeping your accounts and financial information safe and secure. While we take strong measures to ensure the security and confidentiality of your information, it is extremely important that you also recognize and do your part.

In the unlikely event that you suffer financial losses due to unauthorized activity¹ in your accounts², provided you’ve met all of your security responsibilities as outlined in the terms of our customer agreements³, we’ll fully reimburse you.

Report an incident

Report fraud

1-868-627-2684

Report phishing

phishing@scotiabank.com

Our commitment to you

As part of our commitment to keeping your information safe and secure, we’ve put the following security measures in place:

Enforcing the use of strong encryption within web browsers (256-bit in updated browsers, 128-bit minimum) to prevent others from being able to read or tamper with your account activity. Similarly, mobile transactions are processed behind our firewalls, strong encryption is used throughout (256-bit in updated devices, 128-bit minimum), and your identity is verified through multiple factors.

Maintaining equipment such as firewalls and intrusion protection systems designed to help prevent and detect unauthorized access to internal systems and maintain the safety of your information.

Security enhancements implemented to protect you:

● Timeouts:
If you're away from online banking for more than 10 minutes, your session will be interrupted. You then need to sign back in with your password.

● Time stamp:
As an extra level of security protection, we display the date and time of your last online visit whenever you log in to online banking.

● Scotia Fraud Alerts:
We’ll alert you of any unusual account activity, so you don’t have to worry about fraudulent purchases on your ScotiaCard debit card and Scotiabank credit card.

● Masked numbers:

Masking partially replaces the numbers in your account with asterisks, so when others look at it on your screen and on printouts, they can’t see the full number.

● Mobile app:
Our mobile services are provisioned by firewall-protected servers or Apple's App Store and Android Google Play. Your app will be automatically updated to the latest version when updates are made. If your device or Operating System doesn’t support the latest app updates, you’ll receive a notification within the app asking you to upgrade. We’ll never send you a text message asking you to download the latest version of the app or to download a promotional app by selecting an enclosed link.

Note: There are some applications on the Scotiabank website that you can complete without signing into online banking. The minimum requirement for these applications is a supported 128-bit browser.

Find out more details regarding supported browsers here.

We're dedicated to preventing fraud.

Automated Teller Machines (ATMs)

What we do to prevent fraud

We’ve introduced numerous safety features to keep you and your information secure at all of our automated teller machines (ATMs).

A physical cover on all ATM PIN pads: This feature provides enhanced privacy when you input your PIN at the ATM.
ATM vestibule design: A border around all ATMs acts as a barrier to prevent anyone from seeing your ATM banking activity.
Camera coverage: All ATMs in our Scotiabank branch vestibules have camera coverage to help prevent theft and fraud.

Built-in privacy screen in the ATM monitor: All ATMs feature a privacy screen that ensures everything is clear and legible only to the customer standing directly in front of the ATM.
Optional Express Cash setting: You can save your favourite withdrawal amount to reduce the amount of time it takes to do your ATM banking.
Card before cash: To ensure that you never forget your ScotiaCard at an ATM, your card will always come out before your cash withdrawal.
Enhanced security to protect your ScotiaCard: Our ATMs are designed to detect if a fraudster is inserting a fake or spoofed debit card.

Mobile and telephone banking

What we do to prevent fraud

We take great pride in ensuring your mobile and telephone banking is as safe and secure as possible so you can focus on growing and saving your money.  Learn about our processes.

Biometric sign-in: We offer support for fingerprint and face recognition, depending on the hardware and OS of your device.
Hardware- and software-based one-time password tokens: As part of our multifactor authentication process, we generate a unique password token to ensure the customer’s identity from multiple devices.
2-step verification (2SV): Sometimes referred to as 2-factor authentication (2FA), 2SV provides an additional layer of security in which customers provide 2 different authentication factors to verify themselves when accessing a specific mobile app.

Credit and debit cards

What we do to prevent fraud

ScotiaCard chip technology

Your Scotiabank credit and debit cards have an embedded computer chip that provides increased protection against lost, stolen, or counterfeit card fraud.
Your card has an expiry date and will be reissued on a regular basis.

Tap to pay with Visa

Tap to pay using your contactless credit card where you see the tap symbol at the checkout.
Merchants set their own limits for the maximum value of a Visa transaction that doesn’t require a signature or PIN.
Read more about Visa Tap to Pay

Tap & Go® with Mastercard®*

Use your contactless-enabled Mastercard or device wherever you see the universal contactless symbol for an easier checkout.
Every purchase is encrypted to protect your transaction data, and safeguards are in place to make sure you’re only billed once if you accidentally tap twice.
Learn more about Tap & Go®

As always, you're protected against unauthorized card usage and fraud by: 

Report an issue

1

"Unauthorized activity" means a transaction that was carried out in your Scotiabank account through Scotia OnLine without your permission, authorization or knowledge and where it can be established that you are a victim of fraud, theft or coercion.

2

"Accounts" include all accounts that are accessible through online banking.

3

Customer agreements include ScotiaCard Visa Debit card Cardholder Agreement, the Privacy Agreement as well as the agreements governing your personal or business banking or brokerage account(s) or other financial service or product offered by us.

Here's how Scotiabank protects you.

Don't feed the Phish.

Digital Banking Security Guarantee.

Report an incident

Report fraud

Report phishing

Our commitment to you

A shared responsibility

Do

Don't

We're dedicated to preventing fraud.

Automated Teller Machines (ATMs)

What we do to prevent fraud

We’ve introduced numerous safety features to keep you and your information secure at all of our automated teller machines (ATMs).

Mobile and telephone banking

What we do to prevent fraud

We take great pride in ensuring your mobile and telephone banking is as safe and secure as possible so you can focus on growing and saving your money.  Learn about our processes.

Credit and debit cards

What we do to prevent fraud

Report an incident or suspicious activity

Here's how Scotiabank protects you.

Don't feed the Phish.

Digital Banking Security Guarantee.

Report an incident

Report fraud

Report phishing

Our commitment to you

We're dedicated to preventing fraud.

Automated Teller Machines (ATMs)

What we do to prevent fraud

We’ve introduced numerous safety features to keep you and your information secure at all of our automated teller machines (ATMs).

Identification

Mobile and telephone banking

What we do to prevent fraud

We take great pride in ensuring your mobile and telephone banking is as safe and secure as possible so you can focus on growing and saving your money. Learn about our processes.

Identification

Multifactor authentication

Scotia Alerts

Card lock service

Credit and debit cards

What we do to prevent fraud

Our security features

Report an incident or suspicious activity

We take great pride in ensuring your mobile and telephone banking is as safe and secure as possible so you can focus on growing and saving your money.  Learn about our processes.