Scotiabank’s main customer service line is 1-800-472-6842, available 24/7 for personal banking. For urgent matters like a lost card or suspected fraud, this is always the first call to make. For routine enquiries, the Scotiabank app’s chat function is a faster alternative during its published hours.
Main Contact Numbers
Confirmed against scotiabank.com’s own “Contact Us By Phone” page, September 2026.
| Department | Phone Number | Hours |
|---|---|---|
| Personal banking (general) | 1-800-472-6842 | 24/7 |
| From outside Canada | 1-416-701-7200 (collect) | 24/7 |
| Relay service (Deaf / hard of hearing) | 1-866-267-4726 | — |
| Lost / stolen debit or credit card | 1-800-472-6842 | 24/7 |
| Unrecognized charges / suspicious activity | 1-866-625-0561 | — |
| TeleScotia automated telephone banking | 1-800-267-1234 | 24/7 |
Department-Specific Contacts
Confirmed against scotiabank.com’s own “Contact Us By Phone” page, September 2026 — several of these differ from the general 1-800-472-6842 line.
| Service | Number | Notes |
|---|---|---|
| Mortgages | 1-877-303-8879 | English; Mon–Fri 8am–11pm, Sat 8am–7pm ET |
| Credit Card Centre | 1-800-387-6466 | Canada/US |
| Business banking advisors | 1-877-552-5522 | Mon–Thu 9am–11pm, Fri 9am–10pm, Sat 10am–6pm ET |
| Scotia iTRADE | 1-888-872-3388 | Self-directed investing; Mon–Fri 8am–8pm ET |
| Creditor insurance & business loan protection | 1-855-753-4272 | Mon–Fri 8am–8pm ET |
| Travel insurance | 1-877-421-0157 | Mon–Fri 8am–8pm, Sat 9am–6pm ET |
| Newcomer StartRight | 1-800-472-6842 | Ask for StartRight support |
| Customer Complaints Appeals Office (escalations) | 1-800-785-8772 | Written complaints; [email protected] |
For Scotia Wealth Management or full-service investing, the general line (1-800-472-6842) will route you to the right team.
Digital Support Channels
Scotiabank App — Chat
The Scotiabank mobile app includes a chat function accessible from the app’s search/chat menu. A chatbot handles routine questions and can connect you to a live advisor; live advisors are available daily from 8 AM to 10 PM ET (confirmed on help.scotiabank.com, September 2026). Chat can handle balance questions, transaction disputes, e-Transfer issues, account feature questions, and card activation.
Scotia OnLine — Secure Message
Send a secure message through Scotia OnLine for non-urgent enquiries that require documentation or account-specific detail. Response times are typically 1–2 business days. Secure messaging is appropriate for disputes, fee waiver requests, and questions that benefit from a written record.
Social Media
Scotiabank’s @ScotiabankHelps handle on X (Twitter) and a Facebook presence offer general customer service guidance. Do not share personal or account information through social media channels.
Branch Support
For complex transactions — large wire transfers, safe deposit box access, certified cheques, mortgage applications, international transfers, and account changes requiring ID — visiting a branch is the most efficient path.
Branch hours vary by location. Scotiabank’s own Help Centre does not publish a single standard opening-hours range — it directs customers to the branch locator for each location’s specific hours, since these vary by branch (many downtown and shopping-centre branches offer extended hours or Saturday service, while others keep shorter hours). Always check the locator or call ahead rather than assuming a standard schedule.
Find a branch: Use the branch locator at scotiabank.com or search in the Scotiabank app. The locator shows each branch’s hours, services offered, and languages spoken by staff — helpful for clients who prefer service in French, Punjabi, Mandarin, Spanish, or other languages. Scotiabank’s presence in cities with large immigrant populations (Toronto, Vancouver, Calgary, Edmonton) means multilingual in-branch support is genuinely available at many locations, not just listed on a website.
Complaint Escalation
Scotiabank is regulated by the Office of the Superintendent of Financial Institutions (OSFI) and subject to FCAC consumer protection rules. Scotiabank’s own published complaint-handling process (scotiabank.com, verified September 2026) has four steps:
| Step | Contact | Details |
|---|---|---|
| 1. Front-line | 1-800-472-6842 or your branch | First contact for any issue |
| 2. Escalated Customer Concerns Office (ECCO) | Internal escalation | If unresolved within 14 days, your complaint is escalated here automatically |
| 3. Customer Complaints Appeals Office (CCAO) | 1-800-785-8772, [email protected], or 44 King Street West, Toronto, ON M5H 1H1 | Submit in writing for an impartial internal review if still unresolved |
| 4. OBSI | obsi.ca | Independent external ombudsman; free service — available if Scotiabank hasn’t responded within 56 days or you’re unsatisfied with the CCAO’s outcome |
FCAC (Financial Consumer Agency of Canada) at canada.ca/fcac also accepts complaints about banks violating consumer protection rules, distinct from OBSI which handles individual dispute resolution.