How to Sign In to ScotiaConnect: Help Guide for Commercial Banking Users
Operational Highlights
- Sign-in URL: scotiaconnect.at/login — always confirm the certificate padlock.
- Three credentials: Customer Number, User ID, password. Plus a live ScotiaConnect Token OTP.
- Account lockout triggers after 3 failed attempts and requires Super User or Service Centre release.
- ScotiaConnect Mobile supports Face ID, Touch ID and Android BiometricPrompt after initial enrolment.
- Support: 1-800-267-7220, Mon to Fri 7:30am to 8:00pm ET.
This page is a reference guide, not a sign-in form. Use it to prepare credentials, walk a new user through activation, or troubleshoot an issue before picking up the phone. The actual sign-in screen is reached directly at scotiaconnect.at/login.
Before You Sign In: Pre-Requisites
- Your organisation has an active ScotiaConnect Service Agreement with Scotiabank Commercial Banking.
- You have received the ScotiaConnect welcome kit from your Relationship Manager. The kit contains your Customer Number, User ID, temporary password and token activation code.
- You have installed the ScotiaConnect Token app from the Apple App Store or Google Play, or you have received a hardware token by courier.
- You are using a supported browser — current Chrome, Edge, Firefox or Safari. Older browsers may not negotiate TLS 1.3 and are blocked for security reasons.
- You are on a managed corporate endpoint that meets your internal security policy (OS patch level, endpoint protection, disk encryption).
Step-by-Step Sign-in
Open scotiaconnect.at/login
Navigate to scotiaconnect.at/login directly — type it into the address bar rather than following a link from email. Confirm the padlock and verify the certificate is issued to scotiaconnect.at. If the certificate is missing or the page looks unusual, stop and phone the Service Centre.
Enter Customer Number and User ID
The Customer Number identifies your organisation and is the same for every user at your business. The User ID is unique to you as an individual. Both are issued in the ScotiaConnect welcome kit and are not case-sensitive for lookup, but copy them exactly to avoid lockouts.
Enter your password
Your password is case-sensitive and must be at least 12 characters with mixed case, a numeric digit and a symbol. First-time users are prompted to change the temporary password on first sign-in. Do not reuse personal banking passwords. Consider a password manager.
Approve the OTP via ScotiaConnect Token
Open the ScotiaConnect Token app (or read the hardware token screen) and enter the current six-digit OTP. The code refreshes every 30 seconds — if it expires during entry, wait for the next one. On mobile, you may be prompted to approve a push notification instead of typing the code.
Land on your ScotiaConnect dashboard
On success you arrive at your personalised dashboard — account balances, pending approvals, alerts and module navigation. If the dashboard looks incomplete, your Super User may not have assigned all required permissions yet. Contact them from User Management.
Troubleshooting Common Sign-in Issues
Forgot password. Click Forgot Password on the sign-in screen, confirm your Customer Number and User ID, and approve the reset challenge on your ScotiaConnect Token app. If the challenge fails, your Super User can issue a reset from User Management. If no Super User is available, phone 1-800-267-7220 for manual identity verification.
Account locked out. After three consecutive failed sign-in attempts the account locks with no automatic timeout release. A Super User can release within seconds, or the Service Centre can unlock by phone after identity verification. This no-auto-release policy is intentional and aligned with OSFI cyber expectations.
Token not working. Confirm your device clock is set to network time — a clock skew greater than 90 seconds causes OTPs to fail. If the ScotiaConnect Token app shows "not enrolled", re-enrolment with a fresh activation code is needed. For a lost hardware token, phone the Service Centre to suspend and courier a replacement.
Browser blocked. Clear ScotiaConnect cookies, disable aggressive privacy extensions, and confirm your browser is current. Corporate proxy servers performing TLS inspection can interfere with certificate validation — work with your IT team to whitelist scotiaconnect.at.
Security Best Practices
- Never share your Customer Number, User ID, password or OTP. ScotiaConnect will never ask for these by email, SMS or phone.
- Use a password manager. Rotate passwords on a schedule aligned with your internal policy.
- Bookmark scotiaconnect.at/login and sign in by navigating to the bookmark, not by following email links.
- Enable out-of-band sign-in alerts inside Security Settings so the client security contact is notified of new-device sign-ins.
- Sign out explicitly at the end of each session. Do not leave authenticated tabs open on shared machines.
Mobile Sign-in
The ScotiaConnect Mobile app on iOS and Android mirrors the core sign-in flow with one convenience enhancement: once you have signed in successfully with password plus OTP, you can enable biometric unlock (Face ID, Touch ID or BiometricPrompt) for subsequent sessions. Biometrics replace the password factor — the Token-generated OTP is still required for any payment release. Biometric use is subject to your Super User's client policy, which can be set in User Management.
Sign-in Issues at a Glance
| Sign-in Issue | Resolution | Phone Option |
|---|---|---|
| Forgot password | Forgot Password link → Token challenge → new password | 1-800-267-7220 option 1 |
| Account lockout (3 failed attempts) | Super User unlock in User Management | 1-800-267-7220 option 1 |
| Lost or damaged hardware token | Suspend User ID, order replacement by courier | 1-800-267-7220 option 3 |
| ScotiaConnect Token app clock skew | Set device to network time, retry OTP | 1-800-267-7220 option 3 |
| Browser certificate warning | Stop — verify URL, then re-attempt from bookmark | 1-800-267-7220 option 4 (fraud) |
| Dashboard missing modules | Super User assigns permissions in User Management | Relationship Manager |