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Private Banking

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Sophisticated simplicity  

At Scotia Wealth Management Private Banking, we help put our clients into positions of strength and confidence. Strength means having financing pre-arranged for major purchases or to take advantage of investment opportunities.  

Confidence is having an experienced professional banker at your back. We specialize in: experienced transactional support, using credit to growth and protect wealth, financing for insurance policies and cash management solutions, often deploying under-utilized strategies and structures.

Scotia Wealth Management Private Banking offers two distinct service offerings: Signature and Comprehensive. Each delivers a full suite of financial solutions including: 

  • More flexible borrowing and investment solutions, delivered through your dedicated Banker and their network of trusted specialists who understand your unique financial needs.
  • Hands-on management of time-sensitive transactions in coordination with your other advisors.
  • Preferred pricing on foreign exchange1, mortgages2 and select credit card3 products.
  • Support of experienced credit specialists who can create a customized lending solution tailored to your needs.

Our Signature offering4 is designed for executives, professionals and busy families seeking personalized banking support. A dedicated Signature Banker provides an elevated level of service featuring more flexible borrowing and deposits solutions. Signature Bankers take a holistic approach to managing wealth, centered around a financial plan that leverages an extensive network of Wealth specialists. 

Our Comprehensive offering4 is built differently to serve the more complex needs of business owners and active investors. Clients work with a dedicated Private Banker and their Associate, who are experienced in executing borrowing to invest strategies. Clients use our proprietary lending platform to pool wealth assets to support their total borrowing needs. Comprehensive clients access advanced planning specialists who can address more sophisticated needs such as business transition planning and intergenerational wealth transfer.

Whether you choose our Signature or Comprehensive offering, you can trust that you'll receive exceptional service and support tailored to your unique needs.

There’s more to Private Banking than you may realize

Speak with a Scotia Wealth Management professional today

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Scotiabank is a member of Canada Deposit Insurance Corporation (CDIC)

®™
Registered trademark of The Bank of Nova Scotia, used under licence.  ™ Trademark of The Bank of Nova Scotia, used under licence. Scotia Wealth Management® consists of a range of financial services provided by The Bank of Nova Scotia (Scotiabank®); The Bank of Nova Scotia Trust Company (Scotiatrust®); Private Investment Counsel, a service of 1832 Asset Management L.P.; 1832 Asset Management U.S. Inc.; Scotia Wealth Insurance Services Inc.; and ScotiaMcLeod®, a division of Scotia Capital Inc. Private banking services are provided by The Bank of Nova Scotia. Estate and trust services are provided by The Bank of Nova Scotia Trust Company. Portfolio management is provided by 1832 Asset Management L.P. and 1832 Asset Management U.S. Inc. Insurance services are provided by Scotia Wealth Insurance Services Inc. Wealth advisory and brokerage services are provided by ScotiaMcLeod, a division of Scotia Capital Inc. International investment advisory services are provided by Scotia Capital Inc. Financial planning services are provided by The Bank of Nova Scotia and ScotiaMcLeod. Scotia Capital Inc. is a member of the Canadian Investor Protection Fund and is regulated by the Canadian Investment Regulatory Organization. Scotia Wealth Insurance Services Inc. is the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank group of companies. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Insurance Agents (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc.
♢
Borrowing to invest may not be suitable for all investors. Using borrowed money (whether through a margin account or any other method of borrowing) to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. In the case of a margin account, you are also required to satisfy margin calls as required by the terms of the margin agreement. The use of leverage can result in investment losses that are greater than with an investment strategy not involving the use of borrowed funds, and which exceed the amount of your invested capital.
1
Rates may vary per client, based on currency and amount requested.
2
The Primary Private Banking Client and Associate Private Banking Client(s) (as defined below4) are eligible for preferred rates on Mortgages. Preferred rates may vary per client. Additional conditions may apply. Contact your Signature Banker for more details. All mortgages are subject to meeting Scotiabank’s standard credit criteria, residential mortgage standards permitted loan amounts. Preferred rates may vary per application and are subject to change. Additional conditions may apply. Offer may be changed, canceled, or extended at any time without notice. 
3

The Primary Private Banking Client and Associate Private Banking Client(s) (as defined below4) will receive an annual fee waiver/reduction on any Eligible Cards for each year as long as they remain Private Banking clients. The fee waiver/reduction will be applied to the first annual fee charged on an Eligible Card after the cardholder becomes a Private Banking client, including if the Eligible Card was opened prior to the cardholder becoming a Private Banking client. The annual fee waiver/reduction will not be applied if the Eligible Card is not open or is not in good standing. All other fees, and charges applicable to the Eligible Card continue to apply. See the relevant account agreement for the current annual fees, rates, and other features of the Eligible Cards. Eligible Cards and offers are subject to change. Eligible cards are Scotiabank Passport® Visa Infinite*, Scotiabank® Platinum American Express®† Scotiabank Passport® Visa Infinite Privilege*5 Card and Scotiabank® Platinum American Express®†6

4Available to Private Banking clients who sign the Private Banking Package Agreement and pay the applicable Private Banking Package Fee, either Comprehensive or Signature (the “Primary Private Banking Client”) as well as to any eligible persons designated by the Primary Private Banking Client (the “Associate Private Banking Client”). All banking benefits, fees and rates are subject to change. Additional conditions may apply. Please visit: www.scotiawealthmanagement.com/signaturebenefits or www.scotiawealthmanagement.com/comprehensivebenefits  

for the most current banking benefits that are available under the Private Banking Package.