Bank of Nova Scotia (Scotiabank) vs Toronto-Dominion Bank (TD)

Item: Bank of Nova Scotia (Scotiabank)
Rating: 4.1

A side-by-side comparison of ratings, customer experience, products, fees, and pros & cons to help you choose the right bank.

VS

Bank of Nova Scotia (Scotiabank)

4.1

Open account Read full review

Toronto-Dominion Bank (TD)

4.3

Open account Read full review

Toronto-Dominion Bank (TD) edges ahead on our overall rating (4.3 vs 4.1), but the right pick depends on which products and fees matter most to you.

Overview

Top chequing accounts

Top savings account

Top credit card

All products offered

Open Bank of Nova Scotia (Scotiabank) account Open Toronto-Dominion Bank (TD) account

Compare Scotiabank with other banks

Compare TD with other banks

Scotiabank provides well-rounded banking, offering a large branch network and one of the strongest rewards ecosystems among the biggest banks in Canada. As a full-service institution, the bank has investment management and award-winning private banking.

Scotia provides tailored accounts for everyone from students and youth to seniors, while the Scotiabank StartRight® Program is a top pick for newcomers to Canada. The bank also boasts a premium banking experience through the Scotiabank Ultimate Package Chequing. Some fee waiver options are available when you maintain a minimum balance but its interest rates on savings tend to be lower than what you can find through online banks. That said, its network access is more competitive as it is part of the Global ATM alliance.

Scotia’s credit card offering stands out for its travel lineup as well as its partnership with Scene+ rewards. FinlyWealth recently named the Scotiabank Passport Visa Infinite + Card as our pick for the best overall travel and no foreign transaction fees credit card. In addition to credit cards, Scotia maintains a competitive edge within the mortgage and loan space through flexible financing solutions.

Toronto Dominion, known as TD, delivers a strong all-around banking experience through a broad product lineup and extensive branch networks including 1,100 branches throughout the United States. The bank boasts consistency across many categories with few major weaknesses.

Offering a range of banking products, TD has accounts for Canadian newcomers, youth, students, and even international students. It provides banking starting at a cost of $0 for specific groups up to an “All-Inclusive Banking Plan” with premium features and a much higher price tag. Fee waivers are available for those who maintain a certain balance in their account. Long-term savings rates may be less competitive than online banks and fintechs though.

TD has a smaller credit card offering in comparison to some of the other biggest banks in Canada. It does, however, have some strong products, including the TD® Aeroplan® Visa Infinite Card, which FinlyWealth ranks as the best overall Aeroplan credit card.

With a broad lending offering, TD receives recognition for its Canada-US cross-border services as well as various lending products. Its mortgage and lending breadth is amongst the strongest in Canada, though the bank doesn’t always have the lowest rates.

Overall rating

4.1

4.3

Customer experience

2.7

3.2

Best for

Scotiabank is an ideal pick for Canadians looking for full-service banking with a strong lineup of Scene+ rewards credit cards and international banking capabilities. Its extensive branch network and broad range of banking as well as its lending and investment products make Scotia a suitable option for a range of customers.

TD Bank is best for Canadians looking for full-service banking with a vast offering of lending products, premium chequing accounts, branch access and cross-border banking support in the US.

Pros & cons

Pros

Strong offering of travel and rewards credit cards with the Scene+ program being a market differentiator
Provides a distinctive newcomer banking program
Access to the Global ATM alliance allowing for no-fee ATM withdrawals at specific international banks
Full-service banking allowing customers to get their entire banking, lending and investing needs met at a single institution
Wide range of flexible borrowing options
Premium banking available with fee-waiver opportunities
Well-ranked mobile application
Significant international retail presence, particularly in Latin America

Cons

Lower savings rates than those offered by online banks and fintechs
Applicable account fees can be expensive unless you meet the fee-waiver threshold
Worst TrustPilot rating out of the Big Six with many dissatisfied customers
Fees are comparable to the other Big Six, though higher than fintechs and digital banks
More expensive lending rates than digital-first institutions
Many premium banking benefits require a substantial minimum balance

Pros

TD Canada’s mobile app ranks well with consumers
Extensive branch network
Availability of premium banking options and fee-waiver options
Stand-out credit cards despite a limited offering
Promotional pricing periodically available for better rates and rewards
Extensive mortgage and lending offerings with flexible products
Strong retail presence in the United States and cross-border support

Cons

Elevated fees compared to fintechs and digital banks (though competitive amongst the Big Six)
Monthly account fees on most chequing accounts unless minimum balance maintained
Minimum balance waiver set at a higher balance compared to the other major banks
Savings accounts have a lower interest rate, even amongst the Big Six

Best for: No fees and earning points on debit transactions

Scotiabank Preferred Package Chequing for Student and Youths

4.8 Our rating

GET OFFER

on Scotiabank's website

Exclusive · From FinlyWealth$50 rebate

+ Earn up to $200

Welcome Bonus

Earn up to $200

Monthly Fee

$0

Account Type

Chequing • Student

Welcome Bonus Details

Earn up to $200 welcome bonus when you open a new Preferred Package for Students and Youth ¹

To qualify for the $200 bonus offer:

Open a new Preferred Package for Students and Youth (an “Eligible Account”) between July 2 and November 1, 2026; and
Complete any two of the following activities in your Eligible Account within 60 days of Eligible Account opening:

o Set up and make at least 1 eligible automated and recurring direct deposit, which will recur monthly for a minimum of three (3) consecutive months, or

o Set up and make at least one (1) eligible recurring pre-authorized transaction which will recur monthly for a minimum of three (3) consecutive months, or

o Complete at least five online (5) Visa* Debit purchases using your ScotiaCard® anywhere Visa* Debit is accepted. Only the following Visa Debit transaction types are eligible: online debit purchases and in-store purchases made outside of Canada.

Offer Validity: July 2 and November 1, 2026

Highlights

You are eligible for the Preferred Package for Students and Youth (chequing account) if you are under 25 years of age or are enrolled full-time in a university, community college, or another recognized post-secondary institution in Canada or the United States. You will be required to confirm your student status by providing proof of enrollment.
No monthly account fee*, unlimited debit and Interac e-transfer transactions
Earn points on everyday purchases with the Scene+™ program
Free trades for students and youth with Scotia iTRADE
Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Account Fees

Monthly Fee

$0

eStatement

Included

Transactions

Unlimited free

Interac e-Transfers

Unlimited free

ATM Fees

Own Network

$0

Canadian ATMs

$2

USA

$3

International

$5

International & Currency

Foreign Currency Conversion

2.5%

Other Fees

NSF (Non-sufficient Funds)

$10

Overdraft Interest

21% annually (if used)

Bank Draft

$9.5

Best for: Canadian permanent residents, international students, and foreign workers.

Scotiabank StartRight® Program

4.5 Our rating

OPEN ACCOUNT

on Scotiabank's website

Welcome Bonus

Earn up to $2,300 in value in the first year(1)

Monthly Fee

$16.95 (waivable)

Account Type

Chequing • Personal

Welcome Bonus Details

Qualify and earn up to $2,300 in first year value, including up to $580 with the StartRight Program².

StartRight Program² benefits

Worth up to $580 in value¹

No monthly account fee of $16.95 on the Preferred Package chequing account for the first year⁸. Valued at $200.
Unlimited no-fee international money transfers¹⁰. Valued at $280.
10 free Scotia iTrade equity trades⁹. Valued at $100.

Chequing account welcome offer

Earn up to $700¹

Open a new eligible Scotiabank chequing account and complete 2 qualifying chequing account transactions. Valued at $500.
Bundle your new chequing account with a new Money Masters Savings Account and set up a smart savings tool. Valued at $100.
Bundle your new chequing account with an eligible registered account. Valued at $100.

Credit card welcome bonus

Worth up to $1,080¹

Open a Scotiabank Passport Visa Infinite + Card to qualify for a welcome bonus offer. Earn Scene+ points and other benefits.¹⁷

Up to 60,000 bonus Scene+ points with minimum spend. Valued at $600.
Average foreign transaction fee savings on foreign currency purchases. Valued at $130.
6 Complimentary lounge visits. Valued at $350.
Offer subject to change. Terms and conditions apply.

Total Value Combined

Up to $2,360

Highlights

Up to $2,300 in first year value¹ when banking with Scotiabank, including up to $580 in value with the StartRight^® Program².
Waive the monthly account fee for the first year⁵ when you open a Preferred Package chequing account.
24/7 banking through the Scotia app, phone, or chatbot, plus over 900 branches across Canada offering help in more than 50 languages.
Collect rewards on everyday purchases with a Scene+ credit or debit card⁶ and get rewarded with travel, groceries, and more.
Leverage your credit history from home to apply for a higher credit limit on your Scotia credit card³ with Nova Credit⁴.

How to Qualify for StartRight^®

Qualifications

Canadian permanent resident for five years or less
International student
Foreign worker

Required Documentation

Gather these documents prior to applying:

Permanent Resident

Resident card or Confirmation of Permanent Residence
Foreign passport or Canadian government-issued photo ID, like your driver's license

Foreign Worker

Work permit
Foreign passport or Canadian government-issued photo ID, like your driver's license
If applying for a credit card, you'll also need a letter from your Canadian employer confirming your annual income

International Student

Study Permit (IMM 1442) or Temporary Resident Visa (TRV)
One additional piece of government photo ID such as your passport or Canadian driver’s licence
Proof of enrollment from your Canadian Educational Institution such as your Student ID card or your course timetable

Pros & Cons

Pros

Impressive first-year value
24/7 banking
Everyday optimization opportunities
Leverage credit history to apply for higher credit limit

Cons

High fees after first year (without minimum balance)
Credit card fees and income requirements
Lower credit limits without Nova Credit credit history leverage

Account Fees

Monthly Fee

$16.95

Fee Waiver: StartRight Program Fee Waiver

Full waiver

No monthly account fee of $16.95 on the Preferred Package chequing account for the first year as part of the StartRight Program.

Credit Card Rebate

Up to $150

eStatement

Included

Transactions

Unlimited free

Interac e-Transfers

Unlimited free

ATM Fees

Own Network

$0

Canadian ATMs

$1.5

USA

$3

International

$3

International & Currency

Foreign Currency Conversion

2.5%

Other Fees

NSF (Non-sufficient Funds)

$10

Overdraft Interest

21% annually (if used)

Bank Draft

$9.5

TD Student Chequing Account

4.8 Our rating

OPEN ACCOUNT

on TD's website

Welcome Bonus

Receive value of up to $560 with a Student Banking Package

Regular Interest

Up to 0.01%

Monthly Fee

$0

Account Type

Chequing • Student

Welcome Bonus Details

Get as much as $560 in value with a Student Banking Package:

Cash offering of $125 when you open a new Student Chequing Account and complete two of the following by August 31, 2026:

Arrange a recurring direct deposit and receive payment from either your employer or the Government

Initiate or receive an e-Transfer for $30 or more

Use your Visa Debit to make an online purchase

Establish Pre-Authorized Transfer Service or Simply Save Service on your TD Savings Account

Cash Back Dollars of up to $100 if you open an eligible TD Cash Back Visa before June 29, 2026
Get up $250 in value when you open your first TD Direct Investing Account
Savings of $60 with no monthly fees annually on TD Monthly Plan Overdraft Protection services on a new Student Chequing Account
$25 gift card for Uber when you (a) establish a TD Student Chequing Account and meet eligibility criteria before August 31, 2026 (b) open a qualifying credit card before June 29, 2026. You must also keep the Student Chequing Account and your credit card active for five months after the account opening.

Offer expires June 29, 2026

Highlights

Made for students and youth under the age of 23
No monthly fee on the account or overdraft protection
Free Interac e-Transfers
Minimum balance not required
Interest earned on all balances
Receive 0.5 bonus stars for every dollar of spending at participating Starbucks⁶

Account Fees

Monthly Fee

$0

eStatement

Included

Transactions

e-Transfer Fee

$0

ATM Fees

Own Network

$0

Canadian ATMs

$2

USA

$3

International

$5

TD Unlimited Chequing Account

3.9 Our rating

OPEN ACCOUNT

on TD's website

Welcome Bonus

Receive up to $750 in value on new accounts(§)

Regular Interest

Up to 0%

Monthly Fee

$17.95 (waived with $4,000 balance)

Account Type

Chequing • Personal

Welcome Bonus Details

Earn up to $750 in value for new TD Unlimited Chequing Accounts.

Interest rates

All balances 0%

Highlights

No limit on transactions
Full fee rebate if you meet the minimum balance requirement of $4,000^{1, 2}
Free Interac e-Transfers³
No charge from TD for ATM transactions within Canada⁵
Paper statement $2.00 monthly
Account holders get a first year fee rebate on eligible TD credit cards⁴

Account Fees

Monthly Fee

$17.95

Fee Waiver: Full fee rebate if you meet the minimum balance requirement

$4,000 min. balance

eStatement

Included

Transactions

e-Transfer Fee

$0

ATM Fees

Own Network

$0

Canadian ATMs

$0

USA

$3

International

$5

Best for: High interest savings at Big 5 bank

Scotia High Interest Savings Account (HISA)

4.4 Our rating

OPEN ACCOUNT

on Scotiabank's website

Welcome Bonus

Earn up to 5.00%* for the first 3 months

Regular Interest

Up to 2.2%

Monthly Fee

$0

Welcome Bonus Details

You can earn up to 5.00%^* for the first 3 months if you are not a current Scotia HISA or Momentum^PLUS Savings Account holder and haven’t held either account in the last two years.

Regular interest rate

Up to 2.2%

$10,000 minimum Total Relationship Balance¹ required to earn interest³

Promo interest rate

Earn an extra 2.8%

Get the promo rate for 3 months, on top of our regular tiered interest rates² when you keep a Total Relationship Balance¹ of at least $10,000. Conditions Apply.²

Highlights

Not all savings accounts are created equal.

The Scotia High Interest Savings Account (HISA) is different - the more you deposit and invest with us, the higher your interest rate on your HISA account.

It's simple: keep a Total Relationship Balance¹ of at least $10,000 to start earning a high interest rate. As the balances across your eligible accounts grow, so will the interest rate on your HISA.

Your HISA interest rate is determined by your Total Relationship Balance¹, which is the combined daily closing balance in your eligible chequing, savings, and investment accounts.

Earn competitive interest rates that increase as your Total Relationship Balance¹ grows
Pay no monthly account fees
Make unlimited self-service transfers between your accounts⁴

TD Growth™ Savings Account

2.6 Our rating

OPEN ACCOUNT

on TD's website

Welcome Bonus

Earn the Boosted Rate on eligible accounts with balances over $5,000

Regular Interest

Up to 1.5%

Monthly Fee

$0

Welcome Bonus Details

Earn a Boosted Savings Rate for eligible accounts with balances over $5,000¹

Highlights

Earn a Boosted savings rate for eligible accounts with balances over $5,000¹
Interest a higher rate of interest the more you save
No monthly account fee
Unlimited transfers to your TD deposit accounts ($5 charge for other transactions)

Scotiabank Gold American Express® Card

Scotiabank Gold American Express® Card

4.9

Finly Rating

APPLY NOW

on Scotiabank's website

Exclusive · From FinlyWealth$150 rebate

Welcome Bonus

Earn up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points.

Rewards Rate

1x - 6x

Points

Annual Fee

$120

Interest Rates

21.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Our Rating

4.9/5

The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.

Pros & Cons

Pros

No foreign transaction fees
Well-rounded rewards
Shell Fuel Savings
Comprehensive insurance
Flexible redemptions
Instant decision. No credit impact.

Cons

Limited acceptance
No lounge access
Annual fee

Card Details

Rewards

Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Insurance

Coverage

Travel Medical Insurance (64 & under)
$1M, Up to 25 days
Travel Medical Insurance (65 to 75)
$1M, Up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$1,500/person, $10,000/trip
Lost or Stolen Baggage
$500/person, $1,000/trip
Baggage Delay
$500/person, $1,000/trip After 4 hours
Flight Delay
$500/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1,000/occurrence
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

Details

No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
Gas Discount²
Get up to 12¢/L in value on fuel purchases at Shell stations
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership

Eligibility

Credit Score
Good
Annual Income
$12,000 personal or $12,000 household

TD First Class Travel® Visa Infinite* Card

4.7

Finly Rating

APPLY NOW

on TD's website

Exclusive · From FinlyWealth$50$140 rebate

Limited offer · ends

Welcome Bonus

Earn up to $1,300 in value†, including up to 146,000 TD Rewards Points† and receive an Annual Fee rebate for the first year†.

Rewards Rate

2x - 8x

Points

Annual Fee

$139 $0

Interest Rates

21.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Our Rating

4.7/5

The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.

Pros & Cons

Pros

High rewards
First-year fee rebate
Extensive insurance
Annual travel credit

Cons

High income requirements
Low point value
Potentially week booking portal

Card Details

Rewards

Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^†
Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^†
Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points
Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Insurance

Coverage

Travel Medical Insurance (64 & under)^†
21 days
Travel Medical Insurance (65 to 75)^†
4 days
Trip Cancellation^†
$1,500
Trip Interruption^†
$5,000
Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year
Mobile Device Insurance^†
$1,000

Benefits

Details

Visa Infinite Exclusive Benefits^†
Concierge Services^†
Golf Benefit^†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points^†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Annual Birthday Bonus^†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Travel Credit^†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport Lounge - Dragon Pass^†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program

Eligibility

Credit Score
Good
Annual Income
$60,000 personal or $100,000 household

22 products

Savings

Scotiabank Money Master Savings Account

Scotia High Interest Savings Account (HISA)

Scotiabank Momentum Plus Savings Account

Chequing

Scotiabank StartRight® Program

Scotiabank Ultimate Package Chequing

Scotiabank Preferred Package Chequing Account

Scotiabank Basic Plus Bank Account

Scotiabank Basic Bank Account

Scotiabank Preferred Package Chequing for Student and Youths

Credit cards

Scotia Momentum® Mastercard®* Credit Card

Scotia Momentum® No-Fee Visa* Card

Scotia Momentum® Visa Infinite +* Card

Scotia Momentum® for business Visa* Card

Scotia Momentum® Visa* Card

Scotiabank American Express® Card

Scotiabank Gold American Express® Card

Scotiabank Passport® Visa Infinite Business* Card

Scotiabank Passport® Visa Infinite* Privilege Card

Scotiabank Passport® Visa Infinite +* Card

Scotiabank Platinum American Express® Card

Scotiabank Value® Visa* Card

Scotiabank® Scene+ Visa Card

17 products

Savings

TD ePremium Savings Account

TD Growth™ Savings Account

TD Every Day Savings Account

Chequing

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

Credit cards

TD Aeroplan® Visa Infinite* Card

TD Cash Back Visa Infinite* Card

TD Cash Back Visa* Card

TD First Class Travel® Visa Infinite* Card

TD Low Rate Visa* Credit Card

TD Platinum Travel Visa* Card

TD Rewards Visa* Card

TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD® Aeroplan® Visa Platinum* Card

TD® Aeroplan® Visa* Business Card

Scotiabank vs ATB

Scotiabank vs BMO

Scotiabank vs CIBC

Scotiabank vs Desjardins

Scotiabank vs EQ

Scotiabank vs KOHO Financial Inc.

Scotiabank vs Manulife Bank of Canada

Scotiabank vs Meridian

Scotiabank vs National Bank

Scotiabank vs Neo

Scotiabank vs PC Financial®

Scotiabank vs RBC

Scotiabank vs Simplii Financial™

Scotiabank vs Tangerine

Scotiabank vs Wealthsimple

TD vs ATB

TD vs BMO

TD vs CIBC

TD vs Desjardins

TD vs EQ

TD vs KOHO Financial Inc.

TD vs Manulife Bank of Canada

TD vs Meridian

TD vs National Bank

TD vs Neo

TD vs PC Financial®

TD vs RBC

TD vs Simplii Financial™

TD vs Tangerine

TD vs Wealthsimple

Elevated mortgage and loan rates in comparison to digital-first lenders

Every credit card charges a foreign transaction fee

Historically extended branch hours were pared back post-Covid

Premium banking benefits available, though they come at a cost or require high account balances

Bank of Nova Scotia (Scotiabank) vs Toronto-Dominion Bank (TD)

Bank of Nova Scotia (Scotiabank)

Toronto-Dominion Bank (TD)

Top chequing accounts

Top savings account

Top credit card

Compare Scotiabank with other banks

Compare TD with other banks

StartRight Program2 benefits

Chequing account welcome offer

Credit card welcome bonus

Total Value Combined

How to Qualify for StartRight®

Qualifications

Required Documentation

Permanent Resident

Foreign Worker

International Student

StartRight Program² benefits

How to Qualify for StartRight^®