Chip technology is now available on Scotiabank credit cards! Make a purchase with a debit card and, chances are, you're stuck with what you've bought. Thanks to this partnership, you’ll have access to over one million ATMs across the world. Have the amount of your purchase deducted from the funds in your bank account. Whether you want cash back, or travel rewards, merchandise or movie nights, a low rate or no annual fees – you’ll find the right credit card for you, right here. The ScotiaCard with VISA Debit has a VISA logo and an Interac logo on it. These charges will be reflected on your monthly debit and credit card statement. This agreement covers the use of your ScotiaCard Visa Debit: If you don't have a ScotiaCard Visa Debit card, visit your Scotiabank branch to get one today. Many credit cards also offer rewards such as airline miles or cash back in exchange for choosing credit. Pay with your ScotiaCard the same way as you would a credit card. Click here for more information on Zero Liability. Earn while you learn with student credit card. Your ScotiaCard® is enabled with Visa* Debit that allows you to shop online and worldwide – while paying1 directly from your bank account! Need more information? Select 'Visa * Debit' if available or 'Visa' at the checkout. For example, if you're paying an annual fee for a card that offers travel miles and you're not a world traveller, it may be a good idea to switch to a lower fee card. What’s the Plus logo for? Support and Customer Service: Our customer service representatives are available on any of our lines. Thanks to this partnership, you’ll have access to over one million ATMs across the world. It’s also a good idea to keep your account balances below 35% of your available credit. No need to swipe, insert or enter a PIN. That's more than 14 million merchants worldwide. MasterCard Benefits Comparison Chart; Additional Card Requests; Card Watch: 7 Ways to Combat Credit Card Fraud; Will That Be Debit, Credit or Cash? If prompted to choose between "Debit" or "Credit", select "Debit". Why worry about debit card spending limits? Yes, where Visa Debit is issued on a bank card that also supports Interac TM transactions, Visa Debit works at Canadian ABMs but the transaction will be processed by Interac TM. Phone. However, with a credit card, you often have the option of withholding payment if a purchase doesn't meet your satisfaction. Flash your debit card. When shopping online (or by telephone/mail order), use your ScotiaCard debit card at participating online Canadian retailers and any international retailer accepting Visa. No swiping, signing or entering a PIN. Remove your card. Debit Card. Visit scotiarewards.com for complete details. If you already have a ScotiaCard Visa Debit card and are not registered for Internet or telephone banking, call us toll free at (888) 991-2675. Enter your ScotiaCard debit card number, expiry date, and your 3 digit security code found on the back of your card. That’s more than 14 million merchants worldwide. When the transaction is complete, the screen will instruct you to remove your card and wait for the receipt. Your Premium ScotiaCard Visa Debit card offers a safe and convenient way to bank in person, online, mobile or by phone – at home or around the world. Multiple and convenient ways to pay for everyday purchases, Pay faster and digitally store your receipts It’s not every day we need to spend more than $1,000 on a debit card. 592.223.4357. We will set a daily limit for purchases made using your Virtual Visa Debit Number and a per transaction limit for recurring pre-authorized payments. They can also provide consumer protection. Diversify your card acceptance options with both debit card and credit card processing to allow Visa, MasterCard, and Discover ® sales. Earn points on everyday purchases! Support local: All purchases you make with a ScotiaCard with VISA Debit will be debited directly from your Scotiabank bank account at the time of purchase. It lets you pay for everyday purchases anywhere Visa is accepted. Thanks to this partnership, you’ll have access to over one million ATMs across the world. Many credit cards even limit your liability for fraudulent use if your credit card is lost or stolen. Effective March 1, 2020, the total credit card foreign currency transactions*, per credit card per month may not exceed the lesser of your credit card limit or USD $3,000.00, whichever is applicable. Diversify your card acceptance options with both debit card and credit card processing to allow Visa, MasterCard, American Express ®, and Discover ® sales. With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any Visa 1 or MasterCard ® debit card. I checked my bank theres no holds or no information that steam tried taking money from my account. Cineplex Entertainment LP or used under license/ou utilisée sous licence. Just wave your credit card to pay. If you don't have a ScotiaCard Visa Debit card, visit your Scotiabank branch to get one today. But it happens. Where possible, we will allow you to choose the limits that best meet your needs, within a range of applicable limits that we will set. NEW: Effective Immediately, you may be subjected to currency conversion fees and taxes on your account when you use your Visa Debit or Credit card at retailers and service providers located in Bahamas who process transactions in US Dollars. Your ScotiaCard Visa Debit card offers you a brand new way to shop. What’s the Plus logo for? Just look for a Visa or Plus logo on the machine. collapse. Phone. Shoppers enjoy the convenience of paying by debit card, so accepting debit cards can help increase sales for your business. Visa Int./Licensed user. Receive an email, text message, or in app push notification when important account activity happens. Any unauthorized debit transactions are protected by Visa Zero Liability. Contact Us. What’s the Plus logo for? A replacement card will then be couriered to you. If you wanted to pay for something, like $3000 with debit, would they allow you to just yank that out of your account just like that? Effective Immediately, you may be subjected to currency conversion fees and taxes on your account when you use your Visa Debit or Credit card at retailers and service providers located in Bahamas who process transactions in US Dollars. Your ScotiaCard Visa Debit card offers you a brand new way to shop. Pay for everyday purchases anywhere Visa is accepted; that's more than 14 million merchants worldwide. Pay online faster & easier with your Scotiabank credit or debit card. Your ScotiaCard Visa Debit card offers you convenient and instant access to a wide range of Scotiabank services. AAdvantage VISA; Scotiabank AERO* Platinum MasterCard® Tools and Advice. Use your Scotiabank Visa Debit Card and earn one entry for every three (3) purchases of over USD $60 each, during the promotional period. And, unlike debit cards that often carry a maximum daily spending limit, credit cards are perfect for purchasing larger items. Just look for a Visa or Plus logo on the machine. With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any Visa 1 or MasterCard ® debit card.. Pay with your ScotiaCard the same way as you would a credit card. All purchases you make with a ScotiaCard with VISA Debit will be debited directly from your Scotiabank bank account at the time of purchase. Use your Scotiabank Visa Debit card, ScotiaCard, for online or telephone banking in the comfort of your own home, or at ATMs & in branches. If you are a student looking to get a Scotiabank credit card, you will find that the two cards they have specifically designated for students are Visa cards. We will provide you with everything you need for immediate access to all our convenient banking services. The card creates a unique one-time transaction code every time it is inserted in a chip payment terminal or an ATM. First time signing in? 1. Foreign Currency Option ; Automatic Savings Plan (ASP) Scotiabank Savings Reward Plan (SSRP) Tools & Advice. Do I still earn SCENE®* rewards on my SCENE ScotiaCard with Visa* Debit? Insert your Scotiabank Visa Debit Chip card into the Point of Sale terminal and leave it in the device for the duration of the transaction. Diversify your card acceptance options with both debit card and credit card processing to allow Visa, MasterCard, Discover ®, and American Express ® sales. Many credit cards even limit your liability for fraudulent use if your credit card is lost or stolen. Securely store your credit, debit and Prepaid cards on your smartphone. For example, if you're paying an annual fee for a card that offers travel miles and you're not a world traveller, it may be a good idea to switch to a lower fee card. You know how there are daily ATM withdrawal limits? Borrowing. Accessibility This gives you peace of mind wherever and whenever you shop! Picking up a few things? SkyBOX; More for You; Contact us. The bank sets a limit on the number/value of contactless transactions that can be made before a cardholder is asked to perform a contact transaction. Not registered for Internet Banking yet? The Scotiabank Visa ® card is a convenient and reliable credit card accepted worldwide. In Canada It lets you pay for everyday purchases anywhere Visa is accepted. Other conditions and limitations apply. For example, if you're paying an annual fee for a card that offers travel miles and you're not a world traveller, it may be a good idea to switch to a lower fee card. Simply look for the contactless symbol … Security. I'm trying to buy something on steam with a ScotiaBank Visa Debit (Canada), and its telling me my credit card company is not accepting the transfer (something like that) and that the funds are on hold. When shopping in Canada, continue to use your card at any retailer accepting Interac or Interac Flash. Enjoy increased limits for daily point of sale and ATM withdrawal limits. Going on vacation? Outside Canada You can use your card in stores and restaurants, and to order goods and services online or by phone. Online: Use your Visa debit card anywhere that accepts Visa; Internationally: Use your Visa debit card anywhere that accepts Visa; In all cases, funds are debited directly from your bank account. Like with other debit cards, you simply insert the card into the ABM, enter your PIN, and select the desired function (withdraw cash, make deposits, transfer funds, check account balances). Applying for your Scotiabank Visa credit card is easy Contact us for more information about our suite of credit card products and the benefits of transferring your existing credit card balance(s) to Scotiabank. Creditcard Cardholder Agreement; Credit Card Rewards Calculator ; MasterCard Benefits Comparison Chart; Additional Card Requests; 7 Ways to Combat Credit Card Fraud; Will That Be Debit, Credit or Cash? SCENE points accumulated using a card will be updated within 2-3 days. Passport ScotiaCard debit card: Earn 1 Scotia Reward Point for every $5 you spend on debit purchase transactions including Interac Flash and Visa Debit transactions from an eligible account using your Passport ScotiaCard Debit Card. Does ScotiaBank have a debit limit? Yes, you still earn SCENE rewards on your SCENE ScotiaCard with Visa* Debit. Loans. Compare all Scotiabank credit cards Important Notice: Effective April 1, 2021, certain fees are changing from $3.50 or $4.00 (as applicable) to $5.00 on Personal Scotiabank American Express Credit Card Accounts and Personal and Small Business Scotiabank Visa * Credit Card Accounts. That’s more than 14 million merchants worldwide. Replace your old Premium ScotiaCard™ with the new Visa DEBIT with chip technology, for free . Especially if you don’t have or wish to use a credit card for major purchases, you may find yourself needing to pay a big car repair bill, book a vacation, or make another large purchase that will cost more than your debit card spending limit. Plus is the name of a network of ATMs affiliated with Visa, whereas Cirrus is Mastercard’s network. Use your Scotiabank Visa anywhere you shop for increased payment convenience. What’s more? What do I do if my ScotiaCard with Visa* Debit is lost or stolen and I am outside of Canada? The trick to making the most of a credit card is finding one that fits your lifestyle. Other conditions and limitations apply. The trick to making the most of a credit card is finding one that fits your lifestyle. With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any Visa 1 or MasterCard ® debit card.. Get yours today! If prompted to select an account, select Chequing or Savings  to withdraw cash from your bank account. Wave your credit card. You can redeem your points towards travel & entertainment with your choice of rewards program.3. More Details, ScotiaCard with VISA* Debit Credit cards Whether you want cash back, or travel rewards, merchandise or movie nights, a low rate or no annual fees – you’ll find the right credit card … Starting Your Business . Many credit cards even limit your liability for fraudulent use if your credit card is lost or stolen. We will provide you with everything you need for immediate access to all our convenient banking services. The bank sets a limit on the number/value of contactless transactions that can be made before a cardholder is asked to perform a contact transaction. With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any Visa 1 or MasterCard ® debit card. Although it looks very simply to make a transaction, Scotiabank contactless cards are protected in many different ways. Make a purchase with a debit card and, chances are, you're stuck with what you've bought. It’s easy, convenient and safer than carrying cash. The trick to making the most of a credit card is finding one that fits your lifestyle. Or even turn your smartphone into a Mobile Wallet. For example, if you're paying an annual fee for a card that offers travel miles and you're not a world traveller, it may be a good idea to switch to a lower fee card. Will all retailers accept the ScotiaCard with VISA Debit card? Many credit cards even limit your liability for fraudulent use if your credit card is lost or stolen. If you don't have a ScotiaCard Visa Debit card, visit your Scotiabank branch to get one today. If you already have ScotiaCard Visa Debit but are not yet registered for Internet Banking, call us to get set up. Scotiabank Visa® gives you all the benefits of Visa® with no annual fee for the first year, and none ever if your purchases amount to an average of at least BS $200 monthly. With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any participating local debit card, Visa 1 or MasterCard ® debit card.. Pay for online purchases directly from your bank account using Visa Debit. Debit card numbers that start with the Issuer Identification Number (IIN) 453748 are Visa debit cards issued by Scotiabank in Canada. When shopping in Canada, continue to use your ScotiaCard debit card at any retailer accepting Interac† or Interac Flash†. In most cases, transactions will default to your pre-selected bank account. Visit www.scotiabank.com/scene for complete details. Your VISA Platinum comes with (www.visa-platinum.com): Increased Price Protection,up to USD$2,000; Purchase Protection up to USD$10,000; Extended Warranty on purchases up to USD$10,000; Auto Rental Insurance; Emergency Card … Your approval for a credit card and the credit limit assigned will be determined based on Scotiabank’s credit criteria, including your verifiable income and credit history (If available). Online: Use your Visa debit card anywhere that accepts Visa; Internationally: Use your Visa debit card anywhere that accepts Visa; In all cases, funds are debited directly from your bank account. ScotiaCard is now a Visa Debit Card that you can use wherever Visa is accepted. cards When shopping internationally, use your debit card at any retailer who accepts VISA cards. However, with a credit card, you often have the option of withholding payment if a purchase doesn't meet your satisfaction. Step 2. Scotiabank issues cards under a total of eleven IIN numbers including this one, so some card numbers issued by Scotiabank may start with IIN numbers from one of … You can call Customer Service at 1-800-4SCOTIA and request an emergency replacement card. Â. Do You Have What it Takes to be an Entrepreneur; Tips to Get Your Small Business Off the Ground; Know Your Customers and Your Market; Know Your Competition; Cashflow and Finances. ScotiaBank official Company Release at the time of the launch of the product back in August 2011 laid out the security features of the product, quote: “Visa [Debit Cards] offer security protections that help prevent, detect and resolve fraud, including continuous fraud monitoring and coverage by Visa’s zero-liability policy, which protects cardholders from unauthorized charges, the … For example, if you're paying an annual fee for a card that offers travel miles and you're not a world traveller, it may be a good idea to switch to a lower fee card. Make a purchase with a debit card and, chances are, you're stuck with what you've bought. The ScotiaCard with VISA Debit has a VISA logo and an Interac logo on it. Even better, many credit cards limit your liability for fraudulent use if your credit card … Key Benefits • Save hundreds of dollars a year • Low 11.99% interest rate • Pay down balances faster • Simplify your monthly payments. Enter your name, billing and shipping information, as required. Credit Cards. Capture & Manage receipts from your mobile. MasterCard Benefits Comparison Chart; VISA Benefits Comparison Chart; Additional Card Requests; Smart Use of Credit; Card Watch: 7 Ways to Combat Credit Card Fraud; Will That Be Debit, Credit or Cash? However, with a credit card, you have the option of withholding payment if a purchase doesn't meet your satisfaction. Pay with your phone anywhere you can tap your card. Shoppers enjoy the convenience of paying by debit card, so accepting debit cards can help increase sales for your business. Shoppers enjoy the convenience of paying by debit card, so accepting debit cards can help increase sales for your business. You also earn rewards on your purchases! Understanding Mortgage Prepayments and Charges, Conventional vs. Thinking About Starting Your Own Business? That's more than 14 million merchants worldwide. Scotiabank offers an extensive selection of credit cards from three main brands including Visa, Mastercard and American Express. Follow the prompts on the screen and enter your PIN to verify transaction. Tools and Advice. Your Premium ScotiaCard Visa Debit card offers a safe and convenient way to bank in person, online, mobile or by phone – at home or around the world. No, ScotiaCard debit cards with VISA Debit are strictly debit cards NOT credit cards. No, ScotiaCard debit cards with VISA Debit are strictly debit cards NOT credit cards. Card Types. You have lots of easy options to quickly pay and be on your way. The Scotiabank Visa ® card is a convenient and reliable credit card accepted worldwide. Is it both a credit card and debit card? Paying your credit card on time and not going over your credit limit shows that you can use credit responsibly. Effective March 1, 2020, the total credit card foreign currency transactions*, per credit card per month may not exceed the lesser of your credit card limit or USD $3,000.00, whichever is applicable. Even better, many credit cards limit your liability for fraudulent use if your credit card … With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any participating local debit card, Visa 1 or MasterCard ® debit card. When shopping online (or by telephone/mail order), use your card at participating online Canadian retailers and any international retailer accepting VISA. You can activate your Scotiabank Visa card online . Shop with your ScotiaCard debit card or ScotiaCard with VISA* debit card. Support and Customer Service: Our customer service representatives are available on any of our lines. The Scotia Bank Value VISA card has a minimum $500 credit limit and a low 11.99% interest rate. If you don't have a ScotiaCard Visa Debit card, visit your Scotiabank branch to get one today. Debit Card Processing; Credit Card Processing; View All. Enter your ScotiaCard debit card number, expiry date, and your 3 digit security code found on the back of your card. Even better, many credit cards limit your liability for fraudulent use if your credit card … Does Visa* Debit work in automatic banking machines (ABMs)? In all cases, funds are debited directly from your bank account. Enter your name, billing and shipping information, as required. Free, personalised Convenience Cheques that you can use just like your personal cheques to make purchases, pay utility bills or get cash at a teller window Scotiabank Visa® gives you all the benefits of Visa® with no annual fee for the first year, and none ever if your purchases amount to an average of at least JM $30,000 monthly. If you are a student looking to get a Scotiabank credit card, you will find that the two cards they have specifically designated for students are Visa cards. Answer 1 of 15: Got this new debit card about a month ago and leaving for Cabo in 5 days. You can activate your Scotiabank Visa card online . Many credit cards even limit your liability for fraudulent use if your credit card is lost or stolen. Step 3. The trick to making the most of a credit card is finding one that fits your lifestyle. Please refer to your card holder agreement for further information. 2. Just look for a Visa or Plus logo on the machine. Offer ends 29 th February, 2019. View All. At select retailers, you may be asked to enter your PIN, otherwise  just sign the receipt. A card must be connected to a SCENE membership in order to earn and redeem SCENE points. Diversify your card acceptance options with both debit card and credit card processing to allow VISA … Just look for the Visa or PLUS symbol. Apply today! They can also provide consumer protection. Legal. Plus is the name of a network of ATMs affiliated with Visa, whereas Cirrus is Mastercard’s network. Collateral Mortgage Charges, ScotiaLine Personal Line of Credit (STEP), ScotiaLine Personal Line of Credit for Students, Registered Education Savings Plans (RESP), TFSA Interest Rates, Contribution/Room Limit, Guaranteed Investment Certificates (GICs), Scotia Plan Loan Life & Disability Protection. Apply today! Offer ends 29 th February, 2019. Scotiabank has designed credit cards for students so they can choose the suitable student credit cards among all. Just flash your ScotiaCard debit card and go. It’s not every day we need to spend more than $1,000 on a debit card. But using credit cards for everyday spending isn’t for everyone — if you know credit cards aren’t a good choice for you, you can still earn rewards by using the Scotiabank Passport Debit Card.  Enjoy shopping at thousands of merchants online, pay in-store in the US and at international retailers. collapse. However, with a credit card, you often have the option of withholding payment if a purchase doesn't meet your satisfaction. You can use your card in stores and restaurants, and to order goods and services online or by phone. collapse. ScotiaCard is now a Visa Debit Card that you can use wherever Visa is accepted. Please note that this limit does not apply to your TT Dollar (TTD) Transactions within your existing Scotiabank credit card limits. Use your Scotiabank Visa anywhere you shop for increased payment convenience. Scotiabank Visa® gives you all the benefits of Visa® with no annual fee for the first year, and none ever if your purchases amount to an average of at least BS $200 monthly. Although it looks very simply to make a transaction, Scotiabank contactless cards are protected in many different ways. Does Scotiabank have the same sort of thing when you're paying for something using your debit card? You can also access your accounts at 900,000 ATMs worldwide displaying the VISA or PLUS logos. Applying for your Scotiabank Gold Visa credit card is easy. The credit limit amount of up to $5,000 under the Scotiabank StartRight Program is subject to change by Scotiabank from time to time without prior notice. Registered trademarks of The Bank of Nova Scotia. Compare Accounts; Be A Better Saver; How to Budget; Planning to Reach Your Goals; Scotiabank Switch Kit; View All. SCENE points can only be redeemed at participating Cineplex Entertainment theatres, or online at www.scene.ca for other points offers (or rewards). SCENE®* ScotiaCard® debit card: Earn 1 SCENE point for every $5 you spend on debit purchase transactions including Interac Flash and Visa Debit transactions from an eligible account using your Scene ScotiaCard debit card. Smart Use Of Credit; Credit Checklist; Benefits and Rewards. The trick to making the most of a credit card is finding one that fits your lifestyle. Make a purchase with a debit card and, chances are, you're stuck with what you've bought. Checklist: How to Keep Your Small Business Cash Flowing; 9 … with My Mobile Wallet. Understanding Mortgage Prepayments and Charges, Conventional vs. You can also access your accounts at 900,000 ATMs worldwide displaying the VISA or PLUS logos. Using your ScotiaCard with Visa Debit for online purchases is a secure way to pay. Use your Scotiabank Visa Debit Card and earn one entry for every three (3) purchases of over USD $60 each, during the promotional period. Is it both a credit card and debit card? ScotiaCard is now a Visa Debit Card that you can use wherever Visa is accepted. Plus is the name of a network of ATMs affiliated with Visa, whereas Cirrus is Mastercard’s network. Tools and Advice. Especially if you don’t have or wish to use a credit card for major purchases, you may find yourself needing to pay a big car repair bill, book a vacation, or make another large purchase that will cost more than your debit card spending limit. The Passport debit is exactly like a traditional debit card linked to your chequing account, but lets you earn up to 1 Scotia Rewards point for every $5 spent. Please note that this limit does not apply to your TT Dollar (TTD) Transactions within your existing Scotiabank credit card … Answer 1 of 15: Got this new debit card about a month ago and leaving for Cabo in 5 days. Pay in-store with debit when you shop in the U.S. or internationally2. Also use your ScotiaCard at more than 1.9 million ABMs around the world where Visa is accepted. Need more information? We will provide you with everything you need for immediate access to all our convenient banking services. For example, if you have a credit card with a $1,000 limit, try to keep the outstanding balance below $350. Shop online, pay your bills, order food or groceries online – all this, and much more is possible with your ScotiaCard with Visa* debit. These transactions are subject to a foreign currency transaction fee that is calculated based on a 2.5% increase to the exchange rate and is included in the converted Canadian dollar amount of the transaction. But it happens. It only takes a second. Yes, your ScotiaCard with Visa* Debit will continue to work at any Scotiabank ABM and at any ABM displaying the Interac† symbol. Follow the prompts. Visiting the U.S.? Collateral Mortgage Charges, ScotiaLine Personal Line of Credit (STEP), ScotiaLine Personal Line of Credit for Students, Registered Education Savings Plans (RESP), TFSA Interest Rates, Contribution/Room Limit, Guaranteed Investment Certificates (GICs), Scotia Plan Loan Life & Disability Protection, Stay entertained by downloading apps, games, and music, Order your favourite meals for take-out or delivery, Pay your phone bills online by registering your card with your phone service provider. These charges will be reflected on your monthly debit and credit card statement. Pay for everyday purchases anywhere Visa is accepted. Scotiabank MasterCard; Scotiabank Visa; Scotiabank Gold VISA; Scotiabank Gold MasterCard; Scotiabank AERO Platinum MasterCard; Scotiabank AAdvantage VISA; Tools & Advice. Why worry about debit card spending limits? Your ScotiaCard Visa Debit card offers you a brand new way to shop. In comes the new Scotiabank Visa-Debit Card and they couldn’t have done this at a more perfect time. With Scotiabank Merchant Services, you can accept debit card payments easily and securely with any participating local debit card, VISA1 or MasterCard® debit card. Pay for everyday purchases anywhere Visa is accepted. Privacy. Diversify your card acceptance options with both Debit Card Processing and Credit Card Processing to allow Visa, MasterCard, American Express ®, and Discover ® sales. We will provide you with everything you need for immediate access to all our convenient banking services. Credit Cards. Choose the credit card that’s right for you, Chip technology is now available on Scotiabank credit cards! ScotiaCard Mastercard Debit ; Savings Options. All the information I entered is EXACT. Your ScotiaCard with Visa* Debit will continue to work at more than 1.9 million ABMs around the world where Visa is accepted. Scotiabank offers an extensive selection of credit cards from three main brands including Visa, Mastercard and American Express. If you are a Canadian citizen or landed immigrant, you can transfer high debt accounts over to this Value VISA credit card by Scotiabank. Funds come straight out of your bank account so it’s easier to manage your money. You can use your card in stores and restaurants, and to order goods and services online or by phone. We will tell you what your current limits are when we send your Reference Card to you. The new ScotiaCard Mastercard® Debit card provides enhanced security based on proven technology used worldwide.