Scotiabank & Trust (Cayman) Limited Rates & Fees

See the latest rates and fees.

Borrowing Rates

Scotia Plan Loans	Rate
Auto	Rate as low as 5.50% (APR/EAIR)
Mortgages	Rate as low as 4.00% (APR/EAIR)
Unsecured Loan	Rate as low as 6.99% (APR/EAIR)

*All interest rates expire on November 15, 2021
*Scotia Plan Personal Loans rate varies depending on term and security. Please contact a Scotiabank branch for more information about rates.

Foreign Exchange Rates

Need to buy, sell, or transfer foreign currency? We're here to assist you.

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Credit Card Rates

Credit Cards Rates & Fees
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Rates and all information above are subject to change without notice.

Schedule of Charges

	Total Access	Total Access (USD,CAD,GBP,EUR)	Electronic Access	Electronic Access Payroll (KYD & USD)
Monthly Fee	$16.00	$11.00	$10.00	$8.00
Monthly Balance Fee Waiver*	N/A	N/A	N/A	N/A
Number of Free Transactions Included in Monthly Fee**	10 Branch/Cheque transactions. Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).	10 Branch/Cheque transactions. Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).	Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).	Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).
Additional Transaction Fees**	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: FREE	Branch/ Cheque: $1.50 Deposits: $1.50 ATM/POS: FREE	Branch/Cheque: $2.50 Deposits: $2.50 ATM/POS: FREE	Branch/ Cheque: $2.50 Deposits: $2.50 ATM/POS: FREE
Statement Frequency	Monthly	Monthly	Monthly	Monthly

	Primary Savings*	Foreign Currency Primary Savings (USD, CAD, GBP, EUR)	Signature Savings*	Junior Savings***
Monthly Fee	$4.00	$8.00	$6.00	FREE
Monthly Balance Fee Waiver*	$1,000.00	N/A	$5,000.00	N/A
Number of Free Transactions Included in Monthly Fee**	Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).	Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).	Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).	Unlimited self-service transactions, transfers between accounts and transfers to others (EFT).
Additional Transaction Fees**	Branch: $1.25 Deposits: FREE ATM/POS: $0.50	Branch: $1.50 Deposits: FREE ATM/POS: $0.50	Branch: $3.00 Deposits: FREE ATM/POS: $1.50	Branch: $1.25 Deposits: FREE ATM/POS: $0.50
Interest Calculation	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly
Cheque Writing Privileges	None	None	None	None
Statement Frequency	Quarterly	Quarterly	Quarterly	Quarterly

	Business Savings (KYD)	Foreign Currency Business Savings (USD,CAD,GBP,EUR)	Business Chequing (KYD)	Foreign Currency Business Chequing (USD,CAD,GBP,EUR)
Monthly Maintenance Fee	$5.00	$5.00	$20.00	$20.00
Transaction Fee	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $0.50	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $0.50	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $0.50	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $0.50
Interest Calculation	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly
Cheque Writing Privileges	None	None	Yes	Yes
Statement Frequency	Quarterly	Quarterly	Monthly	Monthly

	Business Savings (KYD)	Foreign Currency Business Savings (USD,CAD,GBP,EUR)	Business Chequing (KYD)	Foreign Currency Business Chequing (USD,CAD,GBP,EUR)
Monthly Maintenance Fee	$5.00	$5.00	$30.00	$30.00
Transaction Fee	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $1.50	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $1.50	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $1.50	Branch/Cheque: $1.50 Deposits: $1.50 ATM/POS: $1.50
Interest Calculation	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly	Daily Closing Account Balance - Paid Monthly
Cheque Writing Privileges	None	None	Yes	Yes
Statement Frequency	Quarterly	Quarterly	Monthly	Monthly
Overdraft Available	No	No	Yes	Yes

Item	Fee (KYD unless otherwise specified)
Cheque Book (24 leaves)	$5.00 KYD/$6.00 USD
Cheque Book (48 leaves)	$10.00 KYD/$12.00 USD
Cheque Book (72 leaves)	$15.00 KYD/$18.00 USD
Cheque Book (96 leaves)	$20.00 KYD/$24.00 USD
Deposited Cheque Returned Unpaid (Foreign Clearing)	$45.00 plus the charge from the Bank
NSF Cheque (deposited or issued)	$45.00

Item	Fee (KYD)
Wire Transfer Fee	$10.00 - $30.00
Incoming Wire Transfers Fee	Intermediary Banking charges may apply
Outgoing Wire Transfers (manually processed/branch)	Up to $2,000 (1% or min $10.00)
	$2,001 - $10,000 (1/2% or min $25.00)
	$10,001- $25,000 (1/4% or $55.00)
	$25,000 - $100,000 (1/8% or min $70.00)
	$100,001 - $500,000 (1/16% or min $130.00)
	$500,001 and over (1/32% or min $310.00 & max $1,000.00)
	Plus Telegraphic Fee of $15.00
Outgoing Wire Transfers to Regional Branches (manually processed/branch)	Same as Outgoing Wire Transfers
Wire Transfer Tracer	$20.00

Item	Fee (KYD)
Draft	$10.00
Local Managers Cheque	$10.00KYD/$10.00USD
Draft Replacement Fee	$50.00
International Drafts (in-branch)	Up to $999 (1/2% or min of $10.00)
	$1,000 - $4,999 (1/4% or min of $15.00)
	$5,000 - $14,999 (1/8% or min of $25.00)
	$15,000 - $49,999 (1/16% or min of $35.00)
	$50,000 - $499,999 (1/32% or min of $50.00)
	$500,000 & over (1/100% or min of $200.00)
Copies of Drafts/Cheques	$25.00
Tracer on Local Drafts	$25.00
Tracer on Foreign Drafts	$25.00
Stop Payment on Local Drafts	$25.00
Stop Payment on Foreign Drafts	$50.00

Item	Fee (KYD)
Certified Cheque	$5.00
Overdraft (minimum ad-hoc or temporary overdraft charge)	$25.00
Overdraft Handling Fee	$5.00
Excess Overdraft Fee	$20.00
Overdrafts (setup/renewal)	Negotiated at set-up
Stop Payment	$25.00
Dormant Account	$25.00 (applied when account inactive for 6 months)
Standard Reference (three business day turnaround)	$50.00 (per letter)
Standard Reference (same day express - daily cut-offs apply)	$50.00 (per letter)
Letters to Consulates {as per above Standard Reference)	$40.00/$50.00 (express)
Standing Order (set-up)	$10.00
Standing Order (external payments plus draft/wire fee)	$10.00 plus draft/wire fees
Audit Confirmation - Retail and Small Business	$50.00
Audit Confirmation - Corporate & Commercial and Captive	$125.00
Bill Payments (in-branch)	$1.50
Bill Payments online)	FREE/ American Express $0.50
Bill Payments (via standing order)	$10.00
Statement (paper statement)	$5.00 (per statement)
Statement (e-statement)	FREE
Statement (account transaction print)	$5.00 (per statement)
Statement Handling Request	$10.00 (per each statement handled)
Account closure within 90 days of opening	$35.00
Intra-account transfers (in-branch/online)	$5.00/ FREE
Inter-account transfers (in-branch/online)	$5.00/FREE
Research	$50.00 (per hour)

* Balance must not drop below the fee waiver amount in order for fees to be waived.

** Excludes non-Scotiabank ATM transactions, and transactions conducted at out-of-country ATMs,, transfers to third parties involving accounts held at other financial institutions. Sundry transaction fees apply (e . g. Stop payment of cheques, wire transfers, ATM mini statements, etc.}.

*** When the account holder turns 18 years of age, the Junior Account will automatically be converted to the Primary Savings Account (or a similar account if that account is no longer offered} with a regular monthly fee, unless you indicate another preference .

For further information

Phone

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949-7666

In a Branch

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Find a local branch

Item	Fee (KYD)
Withdrawal at Bank ATM	$0.00- $2.00 (varies based on account)
Withdrawal at a Non-Bank local ATM	$1.25
Withdrawal at an Overseas ATM	$2.50 (varies based on Network Provider)
ATM Mini Statement	FREE

Scotiabank & Trust (Cayman) Limited Rates & Fees

Borrowing Rates

Foreign Exchange Rates

Credit Card Rates

Schedule of Charges

Retail Banking - Transactional Accounts

Retail Banking - Savings Accounts

Premium Banking

Small Business Accounts

Corporate & Commercial Banking Accounts

Other Sundry Fees

Debit Cards

Automated Teller Machines /Intelligent Deposit Machines

Wire Transfers

Drafts

Other Banking Fees

For further information

Phone

In a Branch