Get to know your new Chequing Account

To help you get the most out of your Account, we’ve put together this handy page.

Your Client Card is on its way

You can expect your Client Card to arrive within a week. For security, we’ll send your Card PIN separately, and you should get it a few days after you receive your Card.

How to activate your new Client Card?

Log in and click on your Chequing Account. Click the 'Manage Card' button (if you’re on the Mobile Banking app, you may need to tap 'More Actions' first). From there, click on the 'Activate Card' button and follow the prompts.

An Account designed for your online life

Shop at thousands of online merchants in Canada using Visa* Debit.
Shop at international online retailers where Visa Debit is accepted.^‡
Pay bills online directly with your Chequing Account.
With Interac and Visa* Debit Zero Liability protection, you won’t have to worry about paying for unauthorized purchases.

This is on top of all the great stuff our Clients love about our Chequing Account, like no monthly banking fees and no minimum balances.

Download the app

Don’t have our Mobile Banking app^a yet? Download it today, so you can bank easily from anywhere.

4.6

39,000 Reviews^b

4.7

67,000 Reviews^b

No fees for daily transactions**

This includes an unlimited number of debit purchases, bill payments, pre-authorized payments and Interac e-Transfer® transactions.

Make online and in-app purchases

Use your Client Card with Visa^* Debit to shop online with thousands of your favourite retailers.

Shop with confidence

With Interac & Visa^* Debit Zero Liability protection, you’re protected from unauthorized purchases.

Direct deposit and pre-authorized payments

Switch your direct deposits and pre-authorized payments to your Account and get instant access to your direct deposit funds plus worry-free payments.

Free ABM access

Free access to 3,500+ Scotiabank ABMs nationwide and 44,000 ABMs worldwide through Scotiabank’s Global ATM Alliance.²

Find your nearest ABM

Stay updated with Orange Alerts

Customize your preferences to receive important Account alerts through text or email.

Tools to help you stay on top of your money

Money Rules

Discover creative ways to manage and save your money. For example, move money to your Account if the balance dips below a set threshold. Customize your Money Rules to get your money working your way, on its own.

Set a Money Rule

Left to Spend

Left to Spend is a smart way to track your spending. See where your money is going and keep track of how much money you have left to spend each month.

Discover Left to Spend

How to set up an Automatic Transfer

On the app, log in, hit ‘More’ then ‘Automatic Transfer’ OR at tangerine.ca, scroll down to Money Management Tools and hit ‘Start ASP’ to get set up.

Wondering how to…

Change the PIN on your Client Card?

To change your Client Card PIN:

If you remember your current Client Card PIN, go to a Scotiabank ABM and follow these steps on the machine:
1. Insert your Client Card and enter your current Client Card PIN
2. Select your language
3. Go to 'Settings' near the top right of the screen
4. Select the ‘Change PIN’ option and follow the prompts

If you don’t remember your current Client Card PIN:
1. Call our automated phone service at 1-888-826-4374
2. When you reach the main menu, select ‘PINs or Secret Questions’
3. Select ‘Change Your Client Card PIN’ and you’ll be given a temporary PIN
4. Within two hours, you’ll need to go to a Scotiabank ABM to reset your PIN using the temporary PIN.

Please note: Your temporary PIN is only valid for a 2 hour window.

How do I pay a bill?

There are different options available for bill payments, based on your needs.

Payments made online or through our Mobile Banking app
You can make bill payments through your Chequing Account either online or on our Mobile Banking app.

To make an online or Mobile Banking app bill payment:
1. Log in and hit ‘Pay Bills’ (on your mobile device hit the '+' sign first, then 'Pay Bills').
2. Scroll to the bill payee you'd like to pay, enter the amount and hit 'Next'.
3. Confirm your bill payment details, and hit 'Pay'.

Can't find your bill payee? Select 'Add a Bill' and follow the prompts from there.

Payments made through your Client Card with Visa* Debit
When making a bill payment, enter your Client Card information as your payment details, and you'll be paying directly with money from your Chequing Account.

Recurring payments made through Pre-Authorized Payments
With pre-authorized payments, you give your permission to the merchant or payee to take the payments directly from your Chequing Account. For details on how to set up a pre-authorized payment, click here.

Here's a tip: Pay your bill 2-3 business days before your due date to ensure that your bill is paid on time. Remember that different payees have different bill processing times.

Link an external bank account to your Tangerine Account?

To link an external account to your personal Tangerine Account(s):

• Step 1
Log in, if you aren't already logged in, and then click the 'External' tab on your 'Overview' screen and select 'Link external account' to add a new link.

If this isn't the first external account you're linking, then use the 'Manage' button you'll see under the 'External' tab to either delete your existing external account or keep it and also add a new one.

• Step 2
Hit the 'Add Account' and follow the prompts from there

To confirm your external account:

• Step 3
Once you've completed the steps above, we'll put 2 deposits of less than $1 in your external account. When you see those deposits in your account, log back in, click the 'External Accounts' tab under 'Profile & Settings' and hit 'Confirm' on the account you're linking. Enter the two deposit amounts you see in your external account and hit 'Verify'. Once confirmed, you’re all set!

Set up Interac® e-Transfer Autodeposit?

You can register your email and/or mobile number for Interac e-Transfer® Autodeposit.When you register, transfers that are sent to you get automatically deposited into your Account without the need to answer a Security Question.

You can register a total of up to 5 of your email addresses and/or mobile numbers for Interac e-Transfer Autodeposit. Each email address and each mobile number can only have one Account assigned to it.

Here's how you can register:

1. Log in and click 'Interac e-Transfer' in the top right corner
2. Click the 3 dots next to 'Interac e-Transfer'
3. Click 'Interac e-Transfer Settings' and then ‘Interac e-Transfer Autodeposit’
Follow the prompts from there.

You can make edits to your email and/or mobile number in the same place.

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* Trademark of Visa International Service Association and used under licence.

® Interac e-Transfer is a registered trademark of Interac Corp., used under licence.

^{^}Fair fees mean they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. Registered Accounts have no unfair fees while your funds are with us. If at some point you decide to transfer your funds to another financial institution, a fee will apply. View the complete list of Account fees.

Money Management tool illustrations are for demonstration purposes only and should not be relied upon as financial or other advice.

^a Some conditions may apply. Service is subject to availability and successful digital verification.

^b As of August 2024 from the Google Play Store and App Store.

^® Apple is a registered trademark of Apple Inc.

^™ Android is a trademark of Google Inc.

Get to know your new Chequing Account

Your Client Card is on its way

An Account designed for your online life

Download the app

4.6

4.7

No fees for daily transactions**

Make online and in-app purchases

Shop with confidence

Direct deposit and pre-authorized payments

Free ABM access

Stay updated with Orange Alerts

Tools to help you stay on top of your money

Money Rules

Left to Spend

How to set up an Automatic Transfer

Wondering how to…

Change the PIN on your Client Card?

Change the PIN on your Client Card?

Make a bill payment?

How do I pay a bill?

Link an external bank account to your Tangerine Account?

Link an external bank account to your Tangerine Account?

Set up Interac® e-Transfer Autodeposit?

Set up Interac® e-Transfer Autodeposit?

Check out these helpful articles

A beginner's guide to budgeting

Credit cards vs. debit cards: What's the difference?

Legal Stuff