Scotiabank vs Calk Canada

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

CALK Canada is a collection of 100+ calculators built for Canadians. Every result uses official rates from the Canada Revenue Agency (CRA), CMHC, and the Bank of Canada for the 2026 tax year. No sign-up required, and it all works offline. The app is free and supported by ads. WHAT'S INSIDE Tax - Income tax for the federal government and all 13 provinces and territories - Sales tax (GST/HST/PST/QST) by province - Capital gains, marginal rate, dividend tax credit, CPP/EI, and a tax-return estimator Pay and salary - Take-home pay by province (federal and provincial tax, CPP, EI) - Overtime, vacation pay, bonus, and self-employment Mortgage and property - Mortgage payments with Canadian semi-annual compounding - CMHC insurance, affordability with the B-20 stress test, and land transfer tax - Amortization, rent vs buy, closing costs, and down payment Registered accounts - RRSP and TFSA growth, RESP with CESG grants, FHSA, and RRSP vs TFSA Retirement - CPP and OAS benefits, the OAS clawback, GIS, RRIF minimums, and retirement income Loans, investing and business - Car, personal and student loans, credit card payoff, and line of credit - Compound interest, GIC, dividends, net worth, and a budget planner - GST/HST quick method, payroll, incorporation, and depreciation (CCA) Everyday - Fuel cost, EV savings, BMI, calories, due date - Currency converter, inflation, tip, percentage, unit and date tools FEATURES - Works offline. Every calculation runs on your device; your figures never leave it. - Bilingual: English and French. - Covers all 13 provinces and territories. - Updated for the 2026 tax year from official CRA, CMHC, and Bank of Canada sources. - No subscriptions and no in-app purchases. The app is supported by ads. WHO IT'S FOR Employees, contractors and small-business owners, home buyers, families, and anyone who pays tax in Canada. This app is an independent tool and is not affiliated with or endorsed by any government agency. Results are estimates for information and education only; consult a qualified professional before making financial decisions. Website: https://calk-ca.com Support: https://calk-ca.com/contact/ Privacy: https://calk-ca.com/privacy/