Scotiabank Reviews 1.431

I had a highly concerning experience with Scotiabank while attempting to collect a newly issued credit card at a branch.
Despite presenting valid government-issued identification and attending in person, the situation escalated quickly into a fraud concern, and my card was blocked before I could use it.
What is particularly troubling is not the existence of fraud controls, but how they were applied. There was no meaningful attempt to complete the verification process, clarify the situation, or offer alternative ways to confirm my identity.
The response felt immediate and disproportionate to the circumstances, especially given that I was physically present and cooperative throughout the interaction.
As a result, I lost access to the product entirely, including time-sensitive travel-related benefits.
While I understand that internal policies may allow such actions, this experience raises important questions about how those policies are exercised in practice, particularly regarding judgment, communication, and proportionality.
Customers should reasonably expect that situations like this are handled with balance and an opportunity to resolve misunderstandings before severe actions are taken.
I hope the bank reviews how such situations are handled going forward.

Service NOT at all personalized. wasted a lot of time with credit card application including getting conflicting messages in regards most efficient way for application, ie online or in person. then very limited options for type of documents allowed for self employed individual, then online meeting not registered and thus wasted trip to branch, then branch meeting basically a discussion with the credit department over the phone with the bank agent listening in, then with all documents requested submitted, received another email stating confusion in employed vs self employed and thus application could not go forward, ie it cannot be adjusted and that a new application would need to be restarted. This was a TOTAL waste of time for a card that wasn't really needed. Would definitely NOT recommend Scotia Bank , at least for their credit card application process.

Have a while loan thru them. Needed an interest breakdown for taxes. Took me hours to get thru to the right place. Then days to actually get the printout. The said my local branch would not be able to help me. Decided to refinance with my own bank which thank god is a CU. They had no idea what I needed for a payout and again took days to get it. Absolutely brutal.

insane service fees at times paying $50-$75 for interac transactions per month. 700 credit score and can't get a credit card but they can gouge me with service fees. I have been with Scotiabank for 3 decades having paid thousands of dollars in service fees over this time regrettably. They also allow unauthorized withdrawals by ebay when that account is empty for delayed service fees putting account in overdraft and charging for overdraft when they should not have authorized the payment when there was no money in that account at that time. I have had them try to hold my paycheque, having to take my cheque to get it certified and they still tried to hold the cheque after being certified. I am a MacLeod from Scotia and I have to say that I am embarrassed to share a namesake with Scotia McLeod.

We had an outstanding experience working with Mr. Ishak Wasef, Home Financing Advisor at Scotiabank, during the renewal of our mortgage.

From the very beginning, Ishak went above and beyond to earn our business. His level of professionalism, dedication, and genuine care truly set him apart. He was always incredibly warm, courteous, and approachable, making what can often be a stressful process feel smooth and manageable.

What impressed me the most was his responsiveness and flexibility. Ishak was consistently prompt in replying to our emails and questions, no matter how detailed, and he always accommodated our schedule when arranging calls. This level of commitment made us feel valued and well taken care of throughout the entire process.

He took the time to clearly explain our options, ensuring we were confident and informed every step of the way. It’s rare to come across someone who combines deep expertise with such a high level of customer service.

We highly recommend Ishak Wasef to anyone looking for mortgage or financing support. He is truly an asset to Scotiabank, and we are very grateful for his exceptional service.

Why does Scotia Bank employ people from 3rd world countries as their phone Client Care Customer Service? Isn't this a Canadian Bank!

Services tout simplement horrifique en ligne mais acceptable si ont ce présente pour de vrai. J'ai pris un rendez-vous et ils m'ont dit qu'ils allaient m'appeler a 10h30 et devinez quoi, il était 1h50 et ils m'ont toujours pas appeler. Je leurs ai envoyé un mail. On est un jour plus tard et ils ne m'on toujours pas répondue.

They block transactions to afterwards lead you into a cat and mouse chase between their head office and your local Scotia institution, back and forth while giving different information between which one you talk to! A reel s...show. Honestly very confusing and simply agravating. Not the kind of banking I or anyone wants. I cannot but I would give a BIG 0 stars if I could. What a shame!

I waited for more almost an hour for an agent to pick-up the call then when the "waiting music" finally stopped, the agent drop my call. I'm seriously considering to move to another bank with this service.

I've been their customer for more than 10 years. The bank provides me with all financial needs I require.

I cannot get any help with regards to my dad's estate account. They have all the required paperwork and yet it is taking a ridiculously long time to get this account set up. It wouldn't be so bad if their reps would respond to my emails and phone messages. However, they prefer to completely ignore me and will not give me any updates or info. That's all I am asking. Definitely not the bank I will ever consider changing over too. I will let everyone know how this has been going and how I am being treated by the estate department.

0/5 this bank is honestly the biggest joke alive 2 weeks ago had weird activity in my account they just cut my account as with out asking, then I get a new account, bank card , everything say everything is good bam another 300$ taken honestly just a joke of bank and nobody speaks English like if you want to help people speak there language

Scotiabank es lo peor, desaparecen tu dinero, no ye dejan sacarlo o hacer movimientos , te salen con que tus huellas no coinciden , que tu Ine no es igual , no puedes hacer ningun movements en otra cuudad , todo el tiempo ea lo Mismo . Adios “ escocha” bank

My credit card was frozen by Scotiabank and I was not notified until later. I tried to use it and discovered it would not work. Then I called and spoke to them and ordered a new one and they promised it would be delivered in three business days but after the fourth business day, I discovered they changed their mind and decided not to send it. The fourth day I had phoned in for another issue and asked about the visa that’s when I discovered they changed their mind and I asked for it to still be delivered a second time so I don’t know when the hell or if I will ever even get one from these guys such poor service and no contact when they change their minds on issues. Very disappointing. I’m down at Costa Rica. I need my visa working and these guys are just ridiculous with their procedures and their poor communication. When I get back to Canada next month, I will be cancelling my Scotiabank credit card and proceeding with my TD Bank account from now on.

Somehow $200 went missing from my bank account. After asking why all I could get was they’ll take it into consideration

Terrible experience. So unhelpful, imagine ignoring your customers who trusted you with their hard earned money - not reassuring at all!!

Terrible Terrible never use them ever again..The should check out how other banks work!!!

They are honestly the worst thing I have ever had to deal with. They don't give a damn about their customers and don't even pretend to solve anything or help in any way. The last day I have to deal with them (hopefully when I sell my flat), it will be one of the best days of my life.

I write this review just as I go to close our Scotia business account. There have been consistent problems with making payments and international payments that have remained unresolved for 2 years. Our small business advisor has never once contacted me proactively or returned any of my calls. The cashiers and the 'Customer Experience Advisor' have all been unable to solve the issue in the absence of SBA. This issue has actually retarded the development of the company by preventing me from being able to purchase equipment and order inventory from manufacturers to grow the business. If they only service and value higher-worth companies, they are shooting themselves in the foot by not providing the infrastructure for smaller companies to grow with them. Their day-to-day banking on the app is half-decent, which is why they get 2 stars instead of 1. But it's time to move on, as we are clearly not valued as a customer. I have recently visited with RBC and was blown away by the difference in attention and customer service, which cemented our company's decision to move on from Scotia