Scotiabank logo
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, via Plaid's OAuth integration with Scotia OnLine. Sign in once on scotiabank.com, never paste your sign-in card into a third-party app.

5 Scotia product families · Plaid OAuth · Mobile Approval supported
01 · The connection

Scotia OnLine, via Plaid's OAuth integration

Scotiabank is one of the major Canadian banks with full Plaid OAuth support. When you pick Scotiabank inside Mozaic, a Plaid-managed popup loads scotiabank.com and you sign in with your sign-in card (your access card or username) and password the same way you would on Scotia OnLine. If you have the Scotiabank Mobile Approval push enabled on the Scotiabank app, the popup waits for the tap on your phone. If you use SMS or email verification instead, the code prompt appears inside Scotia's popup.

After you authorise the connection, Scotia issues a read-only OAuth token to Plaid. Plaid forwards it to Mozaic, your accounts appear in the app within a minute, and a rolling sync schedule keeps them current. The token is good for roughly ninety days before Scotia requires you to reauthenticate — Mozaic surfaces an in-app reauth nudge ahead of the expiry so the connection doesn't quietly fail.

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 smoothest way to clear Scotia's out-of-band check during the connection. If you have the Scotiabank app installed and have enrolled Mobile Approval, the OAuth popup tells you to approve on your phone, you tap once, and the sign-in completes. If you don't use Mobile Approval, the same popup falls back to SMS or email verification — 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 works in the OAuth popup; pick whichever you actually use on scotiabank.com. If you've forgotten it, the popup has a reset link that takes you to Scotia's own recovery flow.

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.
Scotiabank is a Plaid OAuth bank, so sign-in happens inside a Scotia-hosted popup that loads scotiabank.com directly. You enter your sign-in card number (your access card or username) and password on Scotia's own page — Plaid and Mozaic never see your credentials. Scotia hands Plaid back an opaque read-only token, and that token is what authorises Mozaic to read balances and transactions.
Scotiabank's OAuth flow inherits the security challenge you have configured on your Scotia OnLine profile — a personal verification code by SMS or email, or a Mobile Approval push to the Scotiabank app if you've enabled it. The challenge appears inside Scotia's popup; you complete it the same way you would when signing in directly on scotiabank.com. Mozaic doesn't see the code or the approval. Once you clear the challenge, 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 OAuth token covers both card networks. Balances and transactions appear under each card individually so the categorisation, statements, and minimum payments are kept distinct.
Scotia's OAuth tokens last roughly 90 days before requiring a refresh, 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. The reauth flow when the 90-day window closes is the same as the initial connection — sign-in card, password, security challenge — and Mozaic flags it a few days early so you don't end up with a stale picture.

Connect Scotiabank in about ninety seconds.

Start a free trial →
Pricing Security Mint alternative for Canadians RBC TD BMO CIBC National Bank