Scotiabank

Connecting your Scotiabank accounts to Boreal

Scotiabank customers often have more than one moving part to keep up with: everyday banking, card spending, savings, and sometimes additional borrowing or investment activity. Connecting those supported Scotiabank accounts to Boreal through Plaid helps turn that spread-out activity into one working picture instead of several separate logins.

Boreal does not become a control layer for your accounts when you connect. It can see the information required to build your dashboard and summaries, but it cannot move money, pay a bill, request a transfer, or make changes in Scotiabank. Plaid handles the credential step, and Boreal does not receive your online banking password.

What Boreal shows you

The benefit of that connection is not just seeing balances on one screen. Boreal automatically categorizes transactions, highlights unusual shifts, and helps you understand the month in words instead of leaving you alone with a chart and a list of merchants.

That can be useful when spending runs through a Scotiabank credit card while cash sits somewhere else in the same institution. Boreal brings those signals together and focuses on what matters: where money is going, which recurring costs are showing up, and whether cash flow appears tighter or looser than it did before. You do not need to build a budget to get that view.

It also makes check-ins faster. Rather than opening each account to figure out why the month feels different, you get one place that can surface the change in category mix, highlight repeating charges, and frame the month in terms that are easier to act on.

Typically supported account types

• Chequing accounts used for everyday spending, deposits, and bill payments.
• Savings accounts that hold short-term reserves or specific savings goals.
• Credit cards that can reveal spending patterns and recurring charges.
• Lines of credit or other borrowing accounts when Plaid supports the connection.
• Some investment accounts may be available depending on the product and Plaid coverage.

How syncing and reconnection work

After connection, supported Scotiabank accounts continue refreshing in Boreal on an ongoing basis as Plaid receives updated account information. That helps keep balances, transactions, and monthly changes current inside the same dashboard.

Scotiabank or Plaid may occasionally pause the feed until you complete another sign-in or verification step. Reconnecting the account in Boreal typically restarts syncing, with coverage still depending on the specific product and setup.

Security and privacy

The Scotiabank connection inside Boreal is read-only. Boreal can review balances and transaction history to generate insights, but it cannot initiate transactions or change anything in your accounts.

Plaid is the service that handles authentication, which keeps Boreal away from your online banking password. Any financial data Boreal retains for your dashboard and insights is protected with AES-256 encryption.

You can disconnect supported Scotiabank accounts whenever you want, and you can delete your Boreal data if you no longer want the service. The point is visibility and context, not account control.

Connecting other Canadian institutions at the same time

Boreal can combine several institutions in the same account view. If you also bank with BMO or Tangerine, those supported accounts can sit beside your Scotiabank connection.