Comparison

Scotiabank vs Neutral

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

Neutral

Features
Read full description

Neutral is designed to help you calmly keep track of your weekly budget!

Screenshots

Scotiabank4 screens
Neutral4 screens

Verdict

The call

The clearest difference is update cadence: Scotiabank at every 2 weeks against Neutral's every 5 weeks. Scotiabank also leads on device support (3 vs 1) and iOS requirement (16.0 vs 18.0). On price, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Scotiabank ships an update every 2 weeks, Neutral every 5 weeks. The most recent releases landed on October 15, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
Scotiabank versus Neutral: the parameters behind the verdict, then further details
ParameterScotiabankNeutral
PriceFreeFree
Rating4.8 (20K ratings) — better—
Positive reviews39.9% of reviews—
Number of ratings20K — better—
Update frequencyEvery 2 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS16.0 — better18.0
Further details — not scored
Size333 MB5 MB
Age rating4+4+
DeveloperThe Bank of Nova ScotiaNoah Sealy

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

Neutral

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Scotiabank

No in-app purchases

None

Neutral

No in-app purchases

Questions

Is Scotiabank free?
Scotiabank is free to download, with no in-app purchases.
Is Neutral free?
Neutral is free to download, with no in-app purchases.
Do Scotiabank or Neutral have ads?
Neither Scotiabank nor Neutral shows ads.
Which is updated more often, Scotiabank or Neutral?
Scotiabank ships an update every 2 weeks, and Neutral every 5 weeks. Most recently, Scotiabank was updated on October 15, 2026 and Neutral on October 12, 2026.

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