Scotia SelectPay™      

Turn your eligible credit card purchases into 3, 6, 9 or 12-month installment plans. 

Your plan comes with a special annual interest rate & a one-time, non-refundable 1% fee.1

Here's how it works

Let's say you bought a $4,000 TTD laptop and converted it into a 3-month SelectPay™ installment plan. With a one-time 1% fee1 ($40 TTD in this example) and the SelectPay™ interest rate of 16%, your monthly SelectPay™ installment will calculate as approx. $1,386.67/ month. For illustrative purposes only.**

Once you've made your purchase, log in to the Scotia Caribbean App or Scotia OnLine Banking to set up your SelectPay™ 3, 6, 9 or 12 month plan.

Cost of laptop: $4,000.00  One-time 1% fee: $40.00
Month Special annual interest rate** Total monthly SelectPay™ installment**
1  (one-time 1% fee included)









Total payment with Scotia SelectPay™

Convert your bigger credit card purchases using Scotia SelectPay™. Get access to this newly added feature using the Scotia Caribbean App and Scotia OnLine Banking.

Reward yourself by purchasing those items you’ve had on your wish list for some time. Yasss! You read that right. Now you can convert your credit card purchases valued at TTD $510* or more, into bite-sized, fixed monthly installments.

Feel in control of your budget with fixed monthly payments.

Get a special annual interest rate and pay a one-time, non-refundable 1% fee.1

Get flexible payment options with 3, 6, 9 or 12-month plans.

Available on all personal banking credit cards. No new application or credit checks needed.

More detailson select credit cards

Set up and manage your payment plans on the Scotia Caribbean App or Scotia OnLine Banking.

Continue to enjoy all your usual credit card benefits, like rewards and insurance coverage.

*This amount is based on the daily USD conversion rate and refers to a completed transaction for a purchase that is equal to or greater than USD $75 or its equivalent in local or another currency.

Here's how you qualify for Scotia SelectPayTM .

  • Your account is in good standing.
  • You're the primary credit card holder. (Supplementary cardholders are not currently eligible).
  • You made a purchase of TTD $510* or more using your credit card and that purchase is on your current billing cycle.
  • You've signed up and currently use the Scotia Caribbean App or Scotia OnLine Banking. 

Find a branch, Here's how you qualify for Scotia SelectPayTM .
Set up SelectPay™ using the Scotia Caribbean App. 

Once your purchases appear in your posted transactions in the Scotia Caribbean App or Scotia OnLine Banking, follow these steps:

  1. Select your Scotia credit card & tap on the SelectPay™ tab.
  2. Next, tap on the Convert your transactions button.
  3. Then, tap Transactions (your posted transactions within your current statement cycle will show here) and select the one(s) you'd like to convert to a SelectPay™ plan.
  4. Choose a plan that works for you - 3, 6, 9 or 12 mths. (Tip: review the one-time non-refundable fee that applies).
  5. Read and agree to the SelectPay™ Terms and Conditions.
  6. Slide to submit and, ta-da, it’s done!
learn more, Set up SelectPay™ using the Scotia Caribbean App. 
Set up SelectPay™ using Scotia OnLine Banking.

Using Scotia OnLine Banking, you can view your SelectPay™ plan & payment details.

Need to cancel your SelectPayTM plan? 


  • You can cancel your SelectPay™ plan at any time after it has been posted to your account. 
  • To cancel the SelectPay™ plan, call the Contact Centre at 62-SCOTIA
  • Note: the one-time 1% fee will not be refunded unless you cancel the SelectPay™ plan within the same statement period in which it was converted.
  • It will take 3 business days to process a cancellation request.
Statement Icon

View your SelectPayTM  installment on your statement.


  • Your Scotia SelectPay™ installments will appear on your credit card statement, after your Transactions Summary
  • In the Installments Summary section you can view the date your plan was created, the original amount, number of installments, interest rate, monthly installment and the number of payments left in your plan.
Scotia App Icon

Download the Scotia Caribbean App or update it to the latest version.


Take care of your day-to-day banking, any time of day.


Have more questions about the app? Check out our Frequently Asked Questions

Start using Scotia SelectPay™ today.

Sign in to the Scotia Caribbean App or Scotia OnLine Banking, today.

Download on the App Store   Get it on Google Play

Scotia SelectPay™ FAQs

Terms and conditions.