What is the Scotiabank customer service phone number?

The main Scotiabank customer service number is 1-800-472-6842 (toll-free in Canada and the US). This line is available 24 hours a day, 7 days a week for personal banking enquiries including account issues, lost or stolen cards, wire transfers, and general support. From outside Canada, call 1-416-701-7200 (collect calls accepted).

What is the Scotiabank lost or stolen card number?

Call 1-800-472-6842 immediately to report a lost or stolen Scotiabank debit card or credit card. This line is available 24/7. Scotiabank will block the compromised card and can arrange a replacement. If you are outside Canada, call 1-416-701-7200 collect. You can also temporarily lock your debit card through the Scotiabank app without calling — useful if you think the card is misplaced rather than stolen.

Can I reach Scotiabank through online chat?

Yes. Scotiabank offers live chat support through the Scotiabank website and the mobile app. Chat is available during extended hours (typically 7 AM–midnight ET on weekdays and 9 AM–9 PM ET on weekends). For simple account enquiries, chat is often faster than holding on the phone line. For complex account changes, fraud reports, or large transactions, a phone call or branch visit is recommended.

How do I file a complaint with Scotiabank?

Start by contacting Scotiabank customer service at 1-800-472-6842 and explaining the issue. If not resolved, escalate to the Scotiabank Client Care Centre at 1-800-785-8772. If still unresolved, contact the Scotiabank Senior Customer Complaint Office (SCCO) in writing. As a final independent step, contact the Ombudsman for Banking Services and Investments (OBSI) at obsi.ca — a free federal service for unresolved banking complaints.

Does Scotiabank have a dedicated newcomer customer service line?

Scotiabank does not publish a separate newcomer-dedicated phone line, but StartRight program clients can call the main number 1-800-472-6842 and request assistance from an agent with newcomer program experience. Scotiabank branches in major immigrant-receiving cities often have multilingual staff — the branch locator at scotiabank.com shows languages spoken at each location.

Scotiabank Customer Service 2026 | Phone Numbers, Chat & Support Hours

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 business hours.

Main Contact Numbers

Department	Phone Number	Hours
Personal banking (general)	1-800-472-6842	24/7
From outside Canada	1-416-701-7200 (collect)	24/7
Credit cards	1-800-472-6842	24/7
Lost / stolen debit card	1-800-472-6842	24/7
Lost / stolen credit card	1-800-472-6842	24/7
TDD/TTY (hearing impaired)	1-800-645-0288	Business hours
International banking	1-800-472-6842	24/7
Business banking	1-800-472-6842	24/7

Department-Specific Contacts

Service	Number	Notes
Mortgages	1-800-472-6842	Ask for mortgage specialist
Scotia iTRADE	1-888-872-3388	Self-directed investing
Scotia Wealth Management	1-800-472-6842	Full-service investing
Insurance (creditor)	1-877-441-3533	Credit life and disability
Newcomer StartRight	1-800-472-6842	Ask for StartRight support
Client Care Centre (escalations)	1-800-785-8772	For unresolved complaints

Digital Support Channels

Scotiabank App — Chat

The Scotiabank mobile app includes a live chat function accessible from the app’s main menu. Chat agents can handle most routine enquiries: balance questions, transaction disputes, e-Transfer issues, account feature questions, and card activation. Chat is typically available 7 AM–midnight ET weekdays and 9 AM–9 PM ET weekends — hours that extend beyond standard branch hours.

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.

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.

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 extensive presence in cities with large immigrant populations (Toronto, Vancouver, Calgary, Edmonton) means multilingual in-branch support is genuinely available, 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. If a service issue is not resolved through front-line support:

Step	Contact	Details
1. Front-line	1-800-472-6842	First contact for any issue
2. Client Care Centre	1-800-785-8772	Escalation for unresolved complaints
3. Senior Customer Complaint Office	Via written letter to Scotiabank	Formal complaint process
4. OBSI	obsi.ca	Independent federal ombudsman; free service

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.