Scotiabank StartRight Program for Newcomers 2026

Scotiabank's StartRight program is one of Canada's most flexible newcomer programs because you can start the application before you land. Eligibility: Canadian newcomers within 3 years of becoming a permanent resident, international students, or temporary foreign workers. Key features: free chequing for 1 year (Scene+ account or Preferred Package fee waiver), a no-fee credit card (Scene+ Visa), and access to Scotiabank's newcomer mortgage program. No Canadian credit history required for the credit card — Scotiabank uses your immigration documents and income to evaluate. You can start your application online from outside Canada using your passport and visa/IRCC documentation.