Frequently asked questions on Club S membership

Club-S is a Scotiabank Trinidad and Tobago Programme that provides bank and non-bank benefits to our customers whose salary are assigned to their Payroll Access Account.

Payroll Access Account holders whose salary is assigned are eligible to join Club-S.

Open a Payroll Access Account or convert your existing account to a Payroll Access Account. Ensure that your salary is assigned to this account.

As a club-s member: 

  • No Monthly Fee,
  • No Scotiabank ATM Fees (payroll a/c only)
  • Unlimited self-service transactions
  • No POS Fee (payroll a/c only)
  • No Fees in 1st year for all approved credit cards
  • Scotia Lines: No Fees in 1st year for all approved ScotiaLine Gold accounts
  • 25% discount on Application Fee for Mortgages & SPLs
  • 25% discount on Mortgage Appraisal Fees 
  • Access to pre-approved offers
  • Special merchant partner promotion offers can be found on the

*Note that all benefits are subject to client approval conditions.

You can visit your home branch and request to convert your existing account to the Payroll Access Account in order to receive your Club-S card and related benefits.

The merchant partners list and offers are posted on our website.

You will need to present your Club-S card and use either your SBTT debit or credit card in order to benefit from the discounts or offers.

You can call the Contact Centre line at 62-Scotia (627-2684) or email Customer Support team at who will address the issue.

The benefits of Club-s card are only redeemable by the primary account holder. Refer to the Terms and Conditions for further details.

The Club-S card is for retail primary customers only.

Visit your home branch. A new card and number will be issued.

You will need the following documents:

  • One piece of valid government issued identification, with photograph and signature. For example: Passport, National ID Card, Driver’s License
  • Proof of address: Utility Bill (no more than 3 months old), Bank Account Statement (no more than 3 months old), Copy of lease or letter from landlord (if applicable)
  • Recent Job letter (no more than 3 months old) or last payslip

Two reference letters for non-residents Banker's reference or bank statement

You salary must be assigned to the Payroll Access Account with Scotiabank Trinidad and Tobago Limited in order to receive the Club-S membership benefits.


You must have an active Payroll Access Account receiving salary deposits and which is in good standing (not in arrears).