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Connected via Plaid Scotiabank

Connect Scotiabank to Mozaic: every Scotia account, alongside everything else.

Your Scotiabank chequing, savings, credit cards (Visa and Amex), mortgages, and lines of credit join the same multi-currency picture as your TFSA, RRSP, and brokerage positions. Read-only, connected through Plaid. You enter your Scotia OnLine credentials once in Plaid's secure screen, and Mozaic never sees or stores your password.

5 Scotia product families · Plaid · read-only · reconnect every few months

Last verified: . Connection details and product coverage can change; current coverage is tracked on our supported institutions page. Tell us if something is out of date.

01 · The connection

Scotiabank, connected through Plaid

Scotiabank connects to Mozaic through Plaid. When you pick Scotiabank inside Mozaic, Plaid Link opens a secure, encrypted window and you enter your Scotia OnLine credentials there: your sign-in card (your access card or username) and your password, the same ones you use on Scotia OnLine. If your profile uses Mobile Approval, Plaid Link waits for the tap on your phone. If you use SMS or email verification instead, it prompts you for the code during setup.

Plaid verifies your credentials with Scotiabank and returns a read-only access token to Mozaic. Mozaic never sees or stores your password. Your accounts appear in the app within a minute, and a rolling sync schedule keeps them current. Canadian bank connections re-confirm access every few months, roughly every ninety days, and Mozaic shows the reconnect prompt in-app before anything breaks.

02 · Every Scotia account, one roof

Chequing, savings, Visa, Amex, mortgages: all of it

Mozaic reads every product Scotia exposes through Plaid. Deposit side: Preferred Package, Basic Bank, Ultimate Package, Student Banking Advantage, the MomentumPLUS Savings tiered-rate buckets, Money Master, and the TFSA and RRSP cash savings accounts. Credit side: Scotia Momentum Visa Infinite, Passport Visa Infinite, Scene+ Amex, Scotiabank Gold American Express, Platinum Amex, Value Visa. Liabilities: Scotia Line of Credit, ScotiaLine Home Equity, Scotia Total Equity Plan, and Scotiabank mortgages, with current rate and principal-paid trend.

The Amex cards are one of the things Scotia does differently from the other Canadian banks: they issue American Express on the same Scotia OnLine profile as their Visa cards. The Plaid integration covers both networks under one connection, so you don't have to maintain two separate links for one institution.

S
Scotia Preferred ChequingChequing · CAD
$2,940.18
Q
Questrade RRSPInvest · CAD
$112,408.30
S
Scotia Gold AmexCredit · CAD
−$1,608.95
03 · Scotia quirks worth knowing

Mobile Approval, the sign-in card, and Scotia iTRADE

The Mobile Approval push is the quickest way to clear Scotia's two-step check during setup. If you have the Scotiabank app installed and have enrolled Mobile Approval, Plaid Link tells you to approve on your phone, you tap once, and the connection continues. If you don't use Mobile Approval, Plaid Link prompts you for an SMS or email verification code instead. Pick the channel that matches your Scotia OnLine profile, enter the code, done.

Scotia iTRADE accounts are not part of this connection, and not part of any automated connection today. iTRADE lives on a separate system from Scotia OnLine, and neither Plaid nor SnapTrade currently exposes it for read-only data sync. If you hold positions at iTRADE you can still track them in Mozaic as manual assets (balances, holdings, and notes you update on your own cadence) so they sit beside the rest of your accounts in net worth and goals. The day brokerage coverage opens up we'll surface a one-click upgrade from the manual entry to the API-driven sync.

The sign-in card is Scotia's name for the access card number used to sign in to Scotia OnLine: typically a 16-digit number from a Scotia debit card, or a username you set yourself. Either one works in Plaid Link; enter whichever you normally use for Scotia OnLine. If you've forgotten it, recover it through Scotia's own recovery flow first, then connect.

04 · Beyond the chequing line

Scotia sits in a bigger picture once it's connected

The point of connecting Scotiabank isn't to see your Scotia balance. Scotia OnLine does that already. The point is to see Scotia alongside everything else: your Wealthsimple TFSA, your Questrade margin, a TD mortgage from a previous home, the US 401(k) you still hold. Mozaic composes them into one net-worth line in your reporting currency, narrates cash flow across the whole picture, and tracks the goals you actually care about against the accounts that fund them. The Scene+ Amex rewards balance even surfaces as a counter alongside the credit-card spend pattern, so the points you're earning aren't mentally siloed.

The institution is just the start of the story. The rest is what your money is doing across institutions, and Scotia is a sturdy anchor account for a lot of Canadian households.

Scotiabank questions, answered.

Five questions specific to connecting Scotiabank. General Mozaic security and pricing questions are answered at /security and /pricing.

Mozaic reads every Scotiabank product Plaid exposes via Scotia OnLine: chequing (Preferred Package, Basic Bank, Ultimate Package, Student Banking Advantage), savings (MomentumPLUS Savings, Money Master, TFSA and RRSP cash savings), credit cards (Scotia Momentum Visa Infinite, Scotia Passport Visa Infinite, Scotiabank Gold American Express, Scotia Platinum Amex, Scotia Value Visa), Scotia Line of Credit, ScotiaLine for Home Equity, and Scotiabank mortgages. Scotia iTRADE is not currently covered by Plaid or SnapTrade, so iTRADE positions can be tracked in Mozaic as manual assets until brokerage coverage exists.
You enter your Scotia OnLine credentials (your sign-in card number or username, and your password) once inside Plaid's secure, encrypted screen. Mozaic never sees or stores your password. Plaid verifies them with Scotiabank and returns a read-only access token, and that token is what authorises Mozaic to read your balances and transactions.
If your Scotia OnLine profile uses two-step verification, Plaid Link prompts you for the one-time step during setup, the same step you'd get signing in to Scotia OnLine yourself. That can be a personal verification code by SMS or email, or a Mobile Approval push to the Scotiabank app if you've enabled it. Mozaic never sees the code or the approval. Once you complete it, the connection is established.
Both. Scotia issues American Express cards (Scotiabank Gold Amex, Platinum Amex, Scene+ Amex) on the same Scotia OnLine profile as the Visa cards, so they come through the Plaid connection in the same payload. There's no separate sign-in for Amex. The one Plaid connection covers both card networks. Balances and transactions appear under each card individually so the categorisation, statements, and minimum payments are kept distinct.
Canadian bank connections re-confirm access every few months, roughly every 90 days, matching the rest of the Big Six. Mozaic syncs on a rolling schedule plus on every dashboard open, so new transactions land within an hour of Scotia posting them. When that window closes, reconnecting is the same quick step as the initial connection, and Mozaic shows the reconnect prompt in-app a few days early so you don't end up with a stale picture.
Yes. Scotiabank connects through Plaid, and that's how Mozaic reads it. You enter your Scotia OnLine credentials once in Plaid's secure screen and complete any two-step verification there, and Plaid returns a read-only access token. The connection covers both your Scotia Visa and Scotia American Express cards on the same profile, and Mozaic reads your balances and transactions read-only.

Connect Scotiabank in about ninety seconds.

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