.

Promo: 

Up to ~2.75% (with qualifying recurring direct deposits $2,000+/mo).
Base rate: ~1.00% otherwise.

Key Benefits:

• $0 monthly fees, no minimums.

• Works like a hybrid chequing + savings account earning interest.

• CDIC eligible.

• Earn interest on every dollar daily, paid monthly.

Best for:

• Everyday spending while earning solid ongoing interest.

• Those who can set up direct deposits to hit bonus rates.

Promo: 

• 4.50% for 5 months if you open by Mar 16, 2026 (up to $1M). 

•  Standard rate after promo: ~0.30%.

Key Benefits:

• $0 monthly fees & no minimums.

• Easy online/app access & goal‑based savings tools.

• Promotional rate applies to large balances (up to $1M).

Best for:

• New clients who want a longer — 5‑month — promo window with a large limit.

• Simple savings needs without many features beyond solid promo rates.

Promo: 

• 4.50% for 5 months on eligible deposits (up to ~$100K).  Offer ends Apr 30, 2026. 

• Standard rates after promo: 0.30% – 1.00% depending on balance.

Key Benefits:

• No monthly fees or minimum balance.

• Full access to funds any time.

• Promotional boost good for short‑term goal saving.

Best for:

• New savers who want top short‑term promotional rates.

• Emergency funds parked for a few months.

Promo: 

• 4.65–4.75% for ~90 days on new accounts.

• After promo, earns regular interest based on selected Premium Periods and balances (varies).

Key Benefits:

• No monthly account fees or minimum balance.

• Unlimited transfers within Scotiabank.

• Flexible savings period choices (90–360 days) with higher interest if funds stay put.

Best for:

• People planning to set money aside without frequent withdrawals during the premium period.

• Savers who want structured bonus periods.