How to Apply

Have you selected the right account for your needs? Great! The next step is easy: applying.

Here is what you'll need to apply

1. One valid primary piece of government issued identification, with photograph and signature, for example:

  • Passport
  • Driver's license
  • Military ID Card
  • Permanent Resident Card
  • National ID or Voters ID

2. One secondary piece of identification with or without signature and/or photograph, for example

  • A second piece of primary identification
  • Any other piece of identification (e.g employer, school)
  • Birth certificate
  • Tax Identification Card (if Jamaican Driver’s License is used as the Primary ID than the local tax ID cannot be used)
  • Credit Card or Debit Card from a licensed financial institution bearing your name.
  • A report from a credit bureau, used by the Bank

3. Tax Identification Information

  • Local Residents – Taxpayer Registration Number (TRN)
  • Foreign persons – Tax ID for country of residence

4. Proof of address (one of the following):

  • Recent Utility Bill
  • Rent or Property Tax Receipt or a copy of a lease if a tenant
  • Statement of account from a licensed financial institution

5. Employment letter which details the following:

  • Name and address of employer
  • Occupation/Job Title
  • Employment status (Full Time, Part Time, Contract, Consultant)
  • Employment tenure
  • Salary
  • Any other information that is relevant.

6. Referees:

Names, addresses, telephone numbers and occupation of two referees. N.B. Immediate family members and persons living at the same address may not be used.

  • Established BNSJ customers for 2 years or more, the status of whose account must be active.
  • Employers
  • Justices of the Peace
  • Reputable current or previous supplier/customer or last employer, known to the branch (applicable to self-employed or un-employed applicants only)
  • Police Officers (rank of Inspector or above)
  • Licensed & Regulated Financial Institutions (domiciled in Jamaica)
  • Minister of Religion
  • Medical Doctors
  • Attorney's-at-Law
  • University Lectures/School Principals
  • Reputable individuals known personally for at least 2 years and:
    - Is engaged in verifiable employment or enrolled in a Tertiary Institution; or
    - If unemployed or not enrolled at a Tertiary Institution, is personally known to a senior member of staff at supervisory or management level for two (2) years or more.

For non-resident customers:

  • A letter of reference from a bank that will be providing funds for the new account and has known the customer for at least 2 years, or An up-to-date bank statement that confirms the funding for the account.
  • A notarized reference letter from a reputable professional.

Also, be sure to read the Personal Financial Services Agreement [PDF: 360 kb]

If you have any questions, a Scotiabank representative would be pleased to help you. Learn more

In Phone:

Please call us at

1-888-4-SCOTIA