Security FAQs

As part of Scotiabank's commitment to your online security, we have compiled a list of frequently asked questions about basic security measures and Multi-Factor Authentication.

Scotiabank Internet Banking offers you the flexibility to access your accounts anytime, anywhere. Scotia OnLine is our personal internet banking service designed to create a more effortless and convenient banking experience for you.

Need to transfer money from your savings account to your credit card? Want to know if your paycheque has been deposited yet? Save yourself a trip to the bank. Log on to Scotiabank Internet Banking to access all your account information and conduct your banking 24 hours a day, 7 days a week, from any PC with an Internet connection.

You can view your balances and transaction history, pay bills, transfer funds between same-currency accounts, set up recurring transfers and bill payments.

You must have an active account with Scotiabank, a ScotiaCard and access to a PC with a secure Internet connection.

We recommend that the computer be equipped with at least a 36.6K modem, a screen resolution of at least 1024 x 768 pixels and a 128-bit encrypted version of a browser (Microsoft Internet Explorer 6.0 or later, or Firefox 1.0 - 2.0).

The 128-bit encryption technology in these browsers provides you with added security when conducting financial transactions on the Internet. 

MFA consists of verifying and validating the authenticity of your identity using more than one validation mechanism. MFA provides you with an added layer of security and ensures that only you can access your bank accounts.

Due to rapid technological changes, opportunities to obtain another person's identifying information and perpetrate identity fraud have increased. We need to employ systems such as MFA that will enable us to prevent potential frauds.

When you enrol in MFA, you will select five secret Authentication Questions and submit answers to them. When you log in we will check the computer you are using to access our Internet Banking System MFA remembers which computer you normally use, giving you additional protection against unauthorized individuals logging into your accounts. If you log in form a different computer, we take the additional security step to verify your identity by asking you to provide the answers to three randomly selected Authentication Questions.

No, it is mandatory for all of Scotiabank's Internet Banking customers to enrol in MFA.

No, your card number and password will stay the same.

Enrolment in MFA is quick and easy. It should only take you about 5 minutes to enrol. You will be asked to select five different questions and select five different answers.

An enrolled computer has a unique identifier assigned to it that is only recognized by MFA. Enrolling the computer eliminates the need to answer the Authentication Questions every time you log in to Internet Banking. Please ensure that you only enrol computers that you use most frequently and avoid enrolling public computers.

If you try to log in from a not enrolled computer, you will be asked to answer three randomly selected Authentication Questions from the five Authentication Questions you selected when enrolling to MFA. That means you can be asked different Authentication Questions when you try to log in.

Registering for Scotia OnLine is quick and easy. You can register for Scotia OnLine from any computer in minutes. It's safe secure and easy.

Yes. View the New Scotia OnLine Demo.

As a customer, you must enter your ScotiaCard number and a password that is known only to you. Unless you have compromised your security by revealing your password to someone else, you are the only person with access to your account information using Internet banking.

Yes, you can log in to Internet Banking from any computer. If the computer you are logging in from is not enrolled you will be prompted to answer your previously selected authorization questions before you can start banking online.

This could happen for the following reasons:

  1. You might have deleted the cookies on your computer after you enrolled your computer.
  2. You are only allowed to enrol a maximum of three computers. If you enrol a fourth computer, the first computer will automatically be de-enrolled.

Yes, there is no limit to the number of people who can log in to Internet Banking from the same computer.

We will need to validate your personal information, so please contact a Scotiabank Customer Service Representative at 625PLUS-7587.

We will need to validate your personal information, so please contact a Scotiabank Customer Service Representative at 625PLUS-7587.

We will need to validate your personal information, so please contact a Scotiabank Customer Service Representative at 625PLUS-7587.

If someone gets a hold of your password and card number and tries to login and access your accounts, we will recognize that they are logging in from an unregistered computer. They will be prompted to answer the Authorization Questions. Since you are the only one who knows the answers, they will not be able to answer correctly and will therefore unable to log in.

You will need to enrol in MFA again.

Please contact a Scotiabank Customer Service Representative at 625PLUS-7587.

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