ScotiaConnect® — Getting Started | Official Business Banking Platform

John Champ

31 Dec 2025 — 6 min read

What Is ScotiaConnect?

ScotiaConnect is Scotiabank's comprehensive online business banking platform designed to help Canadian businesses manage their commercial banking securely, quickly, and conveniently — anytime, anywhere. As a fully integrated digital banking solution from one of Canada's leading financial institutions, ScotiaConnect provides businesses with the tools they need to streamline financial operations, from simple account management to complex cash management solutions.

ScotiaConnect serves businesses of all sizes across Canada, offering both web-based and mobile banking solutions that work seamlessly together. Whether you're managing daily transactions, processing payroll, making wire transfers, or handling international trade finance, ScotiaConnect delivers enterprise-grade banking capabilities with user-friendly accessibility.

Official ScotiaConnect portal: https://www1.scotiaconnect.scotiabank.com

Why Use ScotiaConnect?

🔒 Enhanced Security Features

ScotiaConnect prioritizes the security of your business finances with multi-layered protection. The platform integrates with the Scotiabank Digital Token app, providing secure two-factor authentication without the need for a physical token. Advanced fraud prevention tools and customizable user permissions ensure your accounts remain protected while maintaining operational efficiency.

📊 Comprehensive Account Management

View detailed balance and transaction reports with ScotiaConnect's robust reporting capabilities. Monitor all your business accounts in one centralized dashboard, track historical transactions, generate custom reports, and gain real-time insights into your company's financial position across multiple accounts and currencies.

💼 Cash Management Solutions

ScotiaConnect offers powerful cash management tools including treasury accounts with high-yield deposit options, automated account transfers, and sophisticated cash flow management features. Transfer funds, pay employees, settle bills, remit government taxes, and optimize your working capital — all from a single platform.

🌐 International Banking Capabilities

Send, receive, and track wire payments around the world with ScotiaConnect's international banking features. The platform supports multi-currency transactions, trade finance solutions, and global payment tracking, making it ideal for businesses engaged in import/export operations or managing international financial obligations.

👥 Customizable User Access

Create multiple user profiles with customized access levels according to your employees' roles and responsibilities. This granular control allows you to delegate tasks efficiently while maintaining proper oversight and security protocols. Set different permission levels for viewing, approving, and executing transactions.

📱 Mobile Banking Flexibility

The ScotiaConnect Mobile app extends your business banking capabilities to your smartphone. View balances, approve payments, submit account transfers, process bill payments, and manage transactions on the go — ensuring you're never out of touch with your business finances.

Official ScotiaConnect features: https://www.scotiabank.com/ca/en/commercial-banking

Setting Up ScotiaConnect

1. Contact Your Scotiabank Representative

To get started with ScotiaConnect, reach out to your Scotiabank commercial banking representative. If you're not yet a Scotiabank customer, visit a branch or contact their business banking team to discuss your needs and open appropriate business accounts.

2. Complete Registration

Once your accounts are set up, you'll receive registration instructions via email. Follow the secure enrollment process to create your ScotiaConnect login credentials. You'll establish a username, password, and secret word for technical support verification.

3. Download the Digital Token App

For secure access, download the free Scotiabank Digital Token app from the App Store or Google Play. This app replaces physical security tokens and provides convenient two-factor authentication for signing into ScotiaConnect.

4. Set Up User Profiles and Permissions

Configure user profiles for team members who need access to ScotiaConnect. Assign appropriate permission levels based on each user's role — from view-only access to full transaction authority. This ensures proper segregation of duties while enabling efficient workflow.

5. Explore Features and Start Banking

Familiarize yourself with the platform using the ScotiaConnect Help Centre and tutorial videos. Start with basic tasks like viewing balances and transaction history, then progress to more advanced features like bill payments, wire transfers, and file uploads for batch processing.

Official ScotiaConnect setup guide: https://www.scotiabank.com/ca/en/commercial-banking/getting-started

Key Features in ScotiaConnect

Account Transfers: Move funds between your business accounts instantly, including transfers to high-yield treasury accounts with competitive overnight rates for optimizing cash management.
Bill Payments: Pay vendors, suppliers, and service providers electronically. Schedule payments in advance and set up recurring payments for regular expenses.
Payroll Processing: Process employee payroll efficiently with direct deposit capabilities, ensuring timely and accurate compensation for your team.
Wire Transfers: Send domestic and international wire payments with full tracking capabilities. Receive wire transfers and monitor incoming funds in real-time.
Interac e-Transfer® for Business: Send up to $25,000 per transaction using Interac e-Transfer, providing a fast and secure way to make domestic payments to other Canadian financial institutions.
Cheque Deposit: Deposit cheques electronically and view cheque image statements for complete transaction records.
File Upload/Download: Upload payment files for batch processing and download transaction data for integration with your accounting systems.
Custom Reports: Generate detailed financial reports tailored to your business needs, including balance summaries, transaction histories, and reconciliation reports.
Treasury Accounts: Access special high-yield deposit vehicles with rates displayed daily. Minimum deposits start at $100,000 with overnight term options.
Trade Finance Solutions: All-in-one trade finance management for importers and exporters, streamlining international business transactions.
Alerts and Notifications: Set up customized alerts for account activity, payment approvals, and important account events to stay informed in real-time.
Stop Payments: Quickly place stop payment orders on cheques or pre-authorized debits when necessary.

Official ScotiaConnect features documentation: https://www.scotiabank.com/ca/en/commercial-banking/scotia-connect

Security Best Practices

Use Digital Token Authentication: Always use the Scotiabank Digital Token app for secure two-factor authentication when signing in.
Protect Your Credentials: Never share your username, password, or secret word with anyone. Scotiabank support will never ask for your full password.
Lock Your Mobile Device: If using the mobile app, ensure your smartphone is protected with a secure passcode or biometric authentication.
Review User Permissions Regularly: Periodically audit user access levels and remove permissions for employees who no longer require access.
Monitor Account Activity: Set up alerts and regularly review transaction histories to quickly identify any unauthorized or suspicious activity.
Verify Payment Details: Always double-check recipient information, amounts, and payment dates before submitting transactions.
Keep Software Updated: Ensure your web browser, mobile app, and Digital Token app are always running the latest versions for optimal security.
Educate Your Team: Train employees on fraud prevention and best practices for secure online banking.

Official Scotiabank security resources: https://www.scotiabank.com/ca/en/commercial-banking

ScotiaConnect Mobile App

The ScotiaConnect Mobile app brings your business banking to your smartphone, enabling you to manage critical banking tasks while on the go. Available for both iOS and Android devices, the mobile app integrates seamlessly with the web platform and the Digital Token app for secure, convenient access.

Mobile App Capabilities:

View account balances and recent transactions
Approve pending payments and transactions
Submit account transfers between your business accounts
Create and approve bill payments
Access Digital Token for secure authentication
Receive push notifications for important account activity

Note: To use the mobile app, you must first register on the ScotiaConnect Digital Banking portal through the web interface. Some advanced features like adding new payees or creating Interac e-Transfers may require the full web platform.

Download ScotiaConnect Mobile: iOS App Store & Google Play

Frequently Asked Questions

How do I get access to ScotiaConnect? Contact your Scotiabank commercial banking representative to set up ScotiaConnect access. You'll need to have business banking accounts with Scotiabank to use the platform.
Is there a fee for ScotiaConnect? Fees may vary based on your business banking package and the services you use. Consult with your Scotiabank representative for specific pricing information related to your account.
Can multiple users access ScotiaConnect? Yes, ScotiaConnect supports multiple users with customizable access levels. You can create different user profiles with specific permissions based on each employee's role.
What is the Digital Token? The Scotiabank Digital Token is a mobile app that provides secure two-factor authentication for signing into ScotiaConnect. It's free to use and replaces physical security tokens.
Can I use ScotiaConnect for international payments? Yes, ScotiaConnect supports international wire transfers in multiple currencies, along with comprehensive trade finance solutions for import/export businesses.
What are Treasury Accounts? Treasury Accounts are special high-yield, 24-hour deposit vehicles available exclusively to ScotiaConnect customers, offering competitive overnight rates for optimizing cash management.
Is my data secure on the mobile app? Yes, the ScotiaConnect Mobile app uses bank-grade encryption and security protocols. It integrates with the Digital Token app for secure authentication.
What support is available? ScotiaConnect offers a comprehensive Help Centre accessible within the platform, along with phone support Monday-Friday, 8 a.m. to 8 p.m. ET.

Official ScotiaConnect FAQ: https://www.scotiabank.com/ca/en/commercial-banking/getting-started

Conclusion

ScotiaConnect represents Scotiabank's commitment to providing Canadian businesses with world-class digital banking solutions. As a comprehensive platform combining robust security, powerful cash management tools, and user-friendly interfaces across web and mobile devices, ScotiaConnect empowers businesses to manage their finances efficiently and securely.

Whether you're a small business managing day-to-day transactions or a larger enterprise requiring sophisticated treasury management and international banking capabilities, ScotiaConnect scales to meet your needs. With features like customizable user permissions, high-yield treasury accounts, comprehensive reporting, and seamless mobile access, the platform delivers everything modern businesses need from their banking solution.

Backed by Scotiabank's reputation as one of Canada's most trusted financial institutions and protected by enterprise-grade security including Digital Token authentication, ScotiaConnect provides peace of mind alongside powerful functionality. The platform's integration capabilities, from file uploads for batch processing to trade finance solutions for international businesses, ensure that ScotiaConnect can adapt to your unique business requirements.

Visit the official ScotiaConnect portal (https://www1.scotiaconnect.scotiabank.com) to sign in, or contact your Scotiabank commercial banking representative to get started. Transform the way you manage your business finances with ScotiaConnect — secure, convenient, and built for Canadian business success.