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Advisor Deposit Services

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Make cash part of the conversation you have with clients today!

Advisor Deposit Services offers demand and term products that provide safety and liquidity at premium rates and attractive commissions.

Advisor Deposit Services (ADS) is a business unit of the Bank of Nova Scotia that is dedicated to providing fixed term deposits and Investments Savings accounts to Independent Financial Advisors/Dealers and Brokers in Canada.

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Invest in Tomorrow, Save with Us Today.


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Interest rates are per annum. Interest is calculated daily on the opening balance of the account and paid out monthly. 

Investment Savings Account

CDIC eligibility Up to five CDIC issuers for maximum coverage
Liquidity T+1 settlement (daily transaction closing time is 4:00pm EST)
Account eligibility Registered and non-registered accounts for Canadian residents only
Currency CAD & USD
Interest rates Calculated daily on the opening balance, and paid monthly
Express ISA Rate Table
Account Type Series Tier CAD CAD Bonus Rate USD USD Bonus Rate

*For all ISA purchases over $50MM, please contact 1-866-884-3434 for approvals.

Full detail Interest Rate Sheet (advisor use only)

ISA Terms and Conditions

USD Cashable GIC.

High liquidity with a fixed interest rate.*

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*Interest is accrued daily, calculated from the date after the issue date up to and including the maturity date. All disclosed interest rates are annualized.  

Guaranteed Investment Certificates (GICs)

CDIC eligibility Up to five CDIC issuers for maximum coverage
Interest Frequency Flexible for laddering and other financial planning strategies
Commission Attractive broker rates & commissions
Currency CAD & USD
Issuers Convenient purchasing with multiple issuers available
Express GIC Rate Table
Term CAD USD
Full detail GIC rate table

GIC Terms and Conditions

Contact a Scotiabank Advisor Deposit Services GIC Specialist today at 1-800-268-8661. For any questions regarding Investment Savings Accounts, please contact 1-866-884-3434 to speak to an ISA specialist.