Comparison

Scotiabank vs One Receipt

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Scotiabank

Manage your finances with ease, security, and accessibility. Track budgets, deposit cheques, view credit scores, and access banking advisors. Enjoy personalized support and seamless switching between banking and investment apps.

Highlights
  • Budgeting and financial insights
  • Scene+ rewards management
  • Mobile cheque deposit
  • TransUnion credit score access
  • Accessibility features
  • Advisor booking
  • Enhanced security measures
Features
Read full description

Complete your everyday transactions with more ease, accessibility, and security — for banking that’s as flexible as it is fast. Key features include: Budgeting, insights, and advice Create a budget and reach your financial goals faster with personalized insights and advice from Scotia Smart Money by Advice+. Rewards your way View your Scene+ points balance and redeem your rewards right in the app. Mobile cheque deposit Take a photo of a cheque and deposit money quickly and easily into your account. TransUnion credit score and report Check your credit score with TransUnion as often as you want, at no additional cost and zero impact to your score. Barrier-free banking With features such as dynamic font sizing and VoiceOver compatibility, the app was designed with accessibility top of mind. Advisor access Book an appointment to meet with a Scotiabank advisor on the phone or in-person. Next-level security Data encryption keeps financial information safer, 2-step verification confirms your identity, and notifications help you stay on top of what’s happening in your accounts. Switch between Scotiabank apps Sign in once and navigate easily between the Scotia mobile banking app and the Scotia iTRADE app. Personalized support Find quick answers with the Scotiabank chatbot, and connect with a live chat advisor. Important disclosures By pressing the button above or by downloading the mobile app published by Scotiabank, you consent to the installation of this app and to future updates and upgrades. You can withdraw your consent at any time by deleting this app, or get instructions on how to remove or disable the Scotiabank mobile app by contacting us at the address below. The Scotiabank mobile app lets you manage, move, and monitor your money using your mobile phone. When you use Scotiabank’s mobile deposit feature, we will access your device camera to take a picture of your cheque; record the cheque number, account number, institution transit number, and amount; record your device model, as well as its iOS version and manufacturer. When you download or update this app, or when you apply for, enrol in, or use a service through mobile banking, we may collect information about your computer or device, operating system, internet connection or telephone account, settings, IP address and device locational data, and transaction data, as well as personal information. We may collect, use, disclose, and retain this information as set out in the Scotiabank Privacy Agreement (scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html) and to determine which settings are appropriate for your computer system, to provide or enhance digital functionality and banking options, and for security purposes, internal analysis, and reporting. Please note that this app gives you access to Scotiabank accounts held in Canada. For information about our services in other countries, visit scotiabank.com. Have questions about the app? Visit scotiabank.com/app or give us a call at 1-877-277-9303 (Canada/USA) so we can help. The Bank of Nova Scotia 44 King St. West Toronto, ON M5H 1H1

About

One Receipt

Easily track home office and business expenses with this app. Generate detailed reports for tax reimbursements, refunds, or audits. Supports renters and homeowners in calculating business use of home expenses and internet.

Highlights
  • Track home office and business receipts/expenses
  • Calculate business use of home and internet
  • Generate PDF reports for tax reimbursement
  • Securely export and share receipts
  • Organized year-round expense tracking
Features
Read full description

One Receipt makes it simple to track your home office and business receipts/expenses. It generates reports that you can use to secure tax free reimbursement, a tax refund, or use in the event of an audit by the tax authorities. Process receipts going back all the way to 2024. • Renters : Add monthly receipts/expenses like rent, internet, utilities, insurance, etc. • Home Owners : Add monthly receipts/expenses like mortgage interest, property taxes, insurance, condo/hoa fees, etc. • Calculate the business use of your Home/Apartment/Condo for your Home Office for refund or tax free reimbursement • Calculates the business use of your Home Internet (to the megabyte) for refund or tax free reimbursement • Keep organized with year-round receipt/expense tracking • Generate PDF reports formatted for tax free reimbursement or tax refund • Export and share your receipts and reports securely Perfect and easy tool to be used by : Gig Workers, Side Hustlers/Side-Hustlers, Contractors, Freelancers, Self-Employed, Small Business Owners, Work From Home (WFH) Employees and anyone with Self Employment Income Terms of Use: https://www.one-receipt.com/terms Privacy Policy: https://www.one-receipt.com/privacy

Screenshots

Scotiabank4 screens
One Receipt4 screens

Verdict

The call

The clearest difference is review sentiment: One Receipt at 100% against Scotiabank's 40%. Scotiabank's advantage is in-app purchases (none vs 2) and update cadence (every 2 weeks vs every 2 months). On price, ads and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. One Receipt sells 2 in-app purchases, starting at $19.99 per month. Scotiabank asks for nothing beyond the download.

UpkeepUpdate frequency

Scotiabank ships an update every 2 weeks, One Receipt every 2 months. The most recent releases landed on November 11, 2026 and October 30, 2026 respectively.

Scorecard5 real differences · 5 level
Scotiabank versus One Receipt: the parameters behind the verdict, then further details
ParameterScotiabankOne Receipt
PriceFreeFree
Rating4.8 (20K ratings) — better—
Positive reviews40.1% of reviews100.0% of reviews — better
Number of ratings20K — better—
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS16.0 — better17.2
Further details — not scored
Size324 MB3 MB
Age rating4+4+
DeveloperThe Bank of Nova ScotiaMTGCo Ltd.

Customer experience

Scotiabank

All ratings19,500 ratings
Positive94.4%
Neutral2.1%
Negative3.5%
Written reviews2,079 reviews
Positive40.1%
Neutral6.7%
Negative53.2%

One Receipt

Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Scotiabank

Reported bugs

5 issues
  • Login screen freezes
  • Inability to deposit cheques or pay bills
  • Accounts not showing up in the app
  • Inconsistent app performance across devices
  • Unexpected app crashes during use

Requested features

5 requests
  • Add dark mode option
  • Improve mobile cheque deposit functionality
  • Restore ability to schedule bill payments
  • Display credit card reward points balance
  • Provide better account management tools

One Receipt

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Scotiabank

No in-app purchases

2 purchases

One Receipt

Subscriptions2
  • Home Office 1 month$19.991 Month
  • Home Office 1 year$179.991 Year

Questions

Is Scotiabank free?
Scotiabank is free to download, with no in-app purchases.
Is One Receipt free?
One Receipt is free to download, with in-app purchases available.
Do Scotiabank or One Receipt have ads?
Neither Scotiabank nor One Receipt shows ads.
Which is updated more often, Scotiabank or One Receipt?
Scotiabank ships an update every 2 weeks, and One Receipt every 2 months. Most recently, Scotiabank was updated on November 11, 2026 and One Receipt on October 30, 2026.

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