Earn a 1.5% cash bonus on transfers into a Scotia Essentials Portfolio.

1Or other investment products held in an eligible registered account. Bonus up to $3,750. Min transfer required. Conditions apply. 

How to earn up to $3,750

  • Step 1:

    Transfer a net amount of $15,000 or more from a registered account at another Canadian institution to an eligible Scotia registered account.
    Maintain it for six (6) consecutive months.

  • Step 2:

    Set up a recurring pre-authorized contribution of at least $100 a month to an eligible Scotia registered account1.
    Maintain it for a minimum total of six(6) consecutive months.


STEP 1 OF 2

Transfer the minimum net investment amount to an eligible Scotia registered account

Between June 3 to October 31, 2025, make one or more eligible transfers. Your money must be in your eligible registered account within 60 days of your first transferred asset being funded (the "Enrollment Period").

  • Book an appointment with a Scotia advisor
  • Work with your advisor to move at least $15,000 from a registered account at another Canadian financial institution into a registered account of the same type at Scotia
  • Maintain your total Investment Amount in your new eligible registered account for at least six (6) consecutive months after the Enrollment Period ends. Your total Investment Amount includes the total book value balance in your eligible registered account at the end of the Enrollment Period. 

Need a registered account at Scotia?

Your Scotia advisor’s got you. Whether you’re planning for retirement, saving for your first home, or putting money away for a rainy day our registered plans can help you grow your money while saving on the taxes you pay today.

Tax-Free Savings Account (TFSA)


Grow your savings
tax-free

Withdraw your money 
whenever you need to

Save for multiple goals 
in one account


First Home Savings Account (FHSA)


Save up to $40,000 
towards your first home2

Grow your savings
tax-free2

Reduce your taxable income 
while your investments grow2


Registered Retirement Savings Plan (RRSP)


Contribute to your retirement savings 
on a tax deferred basis

Reduce your taxable income 
while your investments grow tax-free

Transfer your funds 
to programs that help you buy your first home or pay for your education


Registered Education Savings Plan (RESP)


Save up to $50,000
towards your child’s education

Reduce your taxable income 
while your investments grow

Leverage government grants
to help build your savings



STEP 2 OF 2

Set up a pre-authorized contribution

Your first PAC must be received during the Enrollment Period in Step 1.

Set up a PAC of at least $100 a month from a Scotia chequing or savings account to an eligible Scotia registered account.

Keep the PACs going for at least 6 months in a row.