Scotiabank Reviews 1,452

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

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

Worst place to Bank. Go with other banking options....

As a real estate investor with multiple credit cards and mortgages for myself and my wife, this place is the worst place among other banks I have ever experienced in Canada!

Awful customer service! Lousy helpline! Long hold times ! They don't even understand plain English!

Stupid policies, no flexibility,...

Arrogant staff at the branches!

Stay away from this bank. Take your money somewhere else.

I opened a promotional savings account with Scotiabank at the end of August after selling a property. The promotion guaranteed 5% interest for 90 days, so I deposited the funds and made it clear I would not be touching the money during that period.

Each month the interest credited to the account was inconsistent and didn’t seem to match the promised rate. After the 90 days ended, I calculated that I was missing about $112 in interest.

When I went into the branch to ask about it, the tellers couldn’t explain the discrepancy. They called a manager, but the response was short and dismissive, and my questions were never properly answered. I then contacted the branch where the account had originally been set up. Instead of reviewing the issue, I was questioned about whether I had done this or that correctly—even though the account had been set up by the bank staff themselves.

Next I contacted Scotiabank’s customer service line and opened a case. At first I was told nothing could be done because the account had been closed. When I asked to speak to a supervisor, he said they could reimburse the $112, but only if I had an active account. He stayed on the phone while I opened a new one. After it was opened, he said the request would be sent for approval and I would hear back shortly.

Three weeks later, I received a letter stating the case was closed and no payment would be made. According to the bank, no one had done anything wrong—yet the interest that was promised was still missing.

My takeaway from this experience is simple: do not rely on verbal promises for promotional rates. If you deal with Scotiabank, make sure you get written confirmation of the exact terms and calculations, because what you’re told verbally may not match what actually happens. Based on my experience, I would not trust their promotional interest offers.
YOU ARE NOT RICHER THAN YOU THINK……BUT THEY ARE!

My experience with Scotiabank has been extremely disappointing. The customer service is consistently poor, and the agents I dealt with were unprofessional and often seemed incompetent. Calls were not returned, even when a specific callback time had been agreed upon. This happened repeatedly, at multiple levels — including agents, managers, and supervisors.

What is even more concerning is that the complaints department was no better. Instead of addressing the issue seriously, they refused to properly handle the complaint. At every stage, there was a lack of accountability, communication, and basic customer care.

Overall, the service has been unacceptable and far below what should be expected from a major financial institution. I would not recommend Scotiabank based on my experience.

It is the second time that my account is unable to conduct E transfer. I have called the help centre and been waiting on the line for the past two hours, even though they said it was a 10 minute hold up. It has been two hours and still, no one has answered. Further, the option to press one to get a call back did not even work.

This stupidest bank that I never seen I’m a boarding student in Canada one day I just update this dumbass trush app so after that I can’t login with 2 steps because I don’t use that iPhone number any more so I call the phone number of Scotiabank and they can’t fix it they want me to go branch bank ,I been to branch bank today and they need my parents to talk to the phone,that the bug that the problem of this stupid bank Their anti-theft systems can even prevent the account holders themselves from accessing their accounts let alone hackers

I’ve been on hold now for 1 hour and 5 minutes with their “Customer Service” line.
This is ridiculously long and not acceptable.
Will be looking to change banks.

No proper communication and not following the proper protocol and not double checking the profile double charging for the amount to be paid . But I would like to make a comment Great excellent job to David of Mortgage department and Melissa for resolving the issue right away without any hesitation. And to the lady (sorry forgot her name) from the call center agent who gave me the right department to call.

I have had an extremely frustrating experience trying to pay off my car loan with Scotiabank.

We initially called to arrange the payoff and were told it would take up to three business days, which seemed reasonable. When the payment had not gone through after that time, we called again and were told the transaction was still processing and to wait another day or two.

After waiting, we called back once more and were told there was an issue with the banking information and the account to withdraw from. This was confusing, as there was only one account provided for the payment.

We called again and spoke to a manager who said they would expedite the process and advised us to visit a branch to pick up a release form that would be faxed there. When we went to the branch, there was no form available and the branch manager was unable to help us obtain the letter.

We then spent over an hour on the phone with the loan department, spoke to another manager, and still did not receive any resolution. We are still trying to sort this out.

Overall, we experienced a lack of communication, inconsistent information, and poor coordination between departments. This has been a very disappointing experience. will NEVER do business with them again

How do I even start? I traded in my iPhone and even though I had done all their steps to remove the two factor from the iPhone when I got my new one, I go to login, and it says oh you have to verify on your iPhone you just traded in which I can’t have access to… and I try and do the two factor reset but it didn’t work and I spent one month. I’m not kidding you one month trying to get into my accounts.

I emailed over 50 branch managers 48 of them had out of the office inbox, not monitored auto replies.

Basically all the employees were trying to not deal with me and I can’t call a branch directly and my personal finance representative of 12 years wouldn’t reply to emails and she normally is good but just maybe on vacation but there’s no vacation responder.

When I finally got through to someone at a branch by using AI to gather all people’s phone numbers with their extensions and emails. I finally got through to one person at my own branch (can’t call branch directly, you can only call Rajeet in Mumbai call center), and they said oh have you tried calling the Scotia one 800 number (which I tried 6+ hours with no help before trying to reach actual human in Canada).

So in my email to 50 branch managers, I said I tried calling the one 800 number you get people in India or somewhere else they don’t even know what the word 2 Factor even means. They don’t even speak English. They can’t even hear you properly. All you hear is them arguing with other people on their call center it’s literally like a nightmare.

I ended up solving the problem myself. It turns out that the two factor reset website is totally separate from the regular app and banking and that one has some glitch in it where there has to be a space after you put your card number in and it can’t be in the same format as the bank login so if you have your password saved like everyone you have to manually type it in one number after the other.

It’s such a basic glitch and should have a 1 tiny line of code to fix, it’s just obviously that website was programmed in India, and they didn’t even bother to like check like one little error code, and I guarantee I’m not the only one having this problem. You can see it on Reddit. People are like I can’t get my two factor reset.

And in the branch, they can’t help you. They just tell you to call the one 800 number they won’t even like call the one 800 number with you and there is no technical support. Can you believe this a bank that has highly technical complex two factor banking doesn’t have a technical online support team to fix problems.

The other issue I had was when they switched from the old website to the new one. A lot of my information was not transferred over so again they did such a bad job that they didn’t even transfer over my address phone number.

luckily when I was able to get in again, I was able to update that.

I’m not banking with these guys anymore. This is totally sketch. This was just Siri text to speech so ignore it if it looks messy.