Scotiabank website screenshot

Scotiabank

Scotiabank is one of Canada's leading financial institutions and a major international bank. Through its Scotia TranXact developer portal, Scotiabank provides APIs for corporate and commercial customers to integrate banking capabilities into their treasury management, ERP, and CRM systems. APIs cover wire payments, real-time payments via INTERAC e-Transfer, EFT payments, account balance and transaction data, account validation, and payment track and trace.

Scotiabank publishes 7 APIs on the APIs.io network, including Account Validation API, Accounts API, EFT Payments API, and 4 more. Tagged areas include Banking, Finance, Payments, Canada, and Open Banking.

The Scotiabank catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Scotiabank’s developer surface includes authentication and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub
43.3/100 developing ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessEnterpriseApproval
13 APIs
BankingFinancePaymentsCanadaOpen Banking

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 43.3/100 · developing
Contract Quality 17.7 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 7.0 / 12
Discoverability 6.5 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/scotiabank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 13

Individual APIs this provider publishes, each with its own machine-readable definition.

Wire Payments API

Enables businesses to initiate secure, one-time wire transfers between accounts in the same currency (CAD or USD), domestically within Canada and the U.S., or internationally. U...

Real-time Payments API

Provides fast payment capabilities for business transactions via INTERAC e-Transfer for business. Customers can send up to $25,000 per transaction in real time.

EFT Payment API

Supports creation and submission of Electronic Funds Transfers (EFTs), including inquiring on payment and file status, deleting, updating, and recalling or reversing payments.

Account Balance and Transactions API

Provides the ability to retrieve account balance for the current day or any prior day along with enriched transaction data for the two years prior, and view a list of eligible d...

Account Validation API

Assists clients in determining the validity of an account number's format and indicates the likelihood of account ownership match for Scotiabank accounts.

Payment Track and Trace API

Provides the capability to inquire on the status of wire payments using unique reference numbers, offering real-time payment tracking powered by SWIFT GPI.

Scotiabank Account Validation API

The Account Validation API from Scotiabank — 1 operation(s) for account validation.

Scotiabank Accounts API

The Accounts API from Scotiabank — 3 operation(s) for accounts.

Scotiabank EFT Payments API

The EFT Payments API from Scotiabank — 2 operation(s) for eft payments.

Scotiabank Payment Tracking API

The Payment Tracking API from Scotiabank — 1 operation(s) for payment tracking.

Scotiabank Real-Time Payments API

The Real-Time Payments API from Scotiabank — 1 operation(s) for real-time payments.

Scotiabank Request for Payment API

The Request for Payment API from Scotiabank — 1 operation(s) for request for payment.

Scotiabank Wire Payments API

The Wire Payments API from Scotiabank — 2 operation(s) for wire payments.

Scroll for all 13

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Scotiabank Scotia TranXact APIs

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Scotiabank Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Scotiabank Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Scotiabank Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Scotiabank Context

0 classes · 16 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Scotiabank API Rules

5 rules · 4 warnings 1 info

SPECTRAL

Scotiabank API Rules

10 rules · 4 errors 5 warnings 1 info

SPECTRAL

JSON Schema 16

Standalone JSON Schema definitions for this provider's data models.

Account

5 properties

JSON SCHEMA

AccountBalanceResponse

6 properties

JSON SCHEMA

AccountsListResponse

1 properties

JSON SCHEMA

AccountValidationRequest

4 properties

JSON SCHEMA

AccountValidationResponse

2 properties

JSON SCHEMA

EFTPaymentRequest

6 properties

JSON SCHEMA

EFTPaymentResponse

4 properties

JSON SCHEMA

PaymentTrackingResponse

4 properties

JSON SCHEMA

RealtimePaymentRequest

4 properties

JSON SCHEMA

RealtimePaymentResponse

3 properties

JSON SCHEMA

RequestForPaymentRequest

4 properties

JSON SCHEMA

RequestForPaymentResponse

3 properties

JSON SCHEMA

Scotiabank Transaction

15 properties

JSON SCHEMA

TransactionsListResponse

4 properties

JSON SCHEMA

WirePaymentRequest

6 properties

JSON SCHEMA

WirePaymentResponse

6 properties

JSON SCHEMA

Scroll for all 16

JSON Structure 2

JSON Structure definitions describing this provider's data shapes.

Scotiabank Structure

0 properties

JSON STRUCTURE

Scotiabank Wire Payment Structure

0 properties

JSON STRUCTURE

Examples 1

Example request and response payloads for these APIs.

Scotiabank Initiate Wire Payment Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Scotiabank Authentication

oauth2 · 1 scheme

SECURITY

Scotiabank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Scotiabank Scopes

3 scopes · clientCredentials

3 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Scotiabank Agentic Access

13 operations · 7 acting

13 operations · 7 acting

AGENTIC

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Company 1

The organization behind the API

LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: scotiabank
name: Scotiabank
description: Scotiabank is one of Canada's leading financial institutions and a major international bank. Through its Scotia
  TranXact developer portal, Scotiabank provides APIs for corporate and commercial customers to integrate banking capabilities
  into their treasury management, ERP, and CRM systems. APIs cover wire payments, real-time payments via INTERAC e-Transfer,
  EFT payments, account balance and transaction data, account validation, and payment track and trace.
type: Index
accessModel:
  pricing: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Enterprise · Requires approval
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
position: Consumer
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/scotiabank.png
tags:
- Banking
- Finance
- Payments
- Canada
- Open Banking
created: '2026-05-02'
modified: '2026-05-19'
url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/apis.yml
specificationVersion: '0.19'
common:
- type: AgenticAccess
  url: agentic-access/scotiabank-agentic-access.yml
- type: DomainSecurity
  url: security/scotiabank-domain-security.yml
- type: Authentication
  url: authentication/scotiabank-authentication.yml
- type: OAuthScopes
  url: scopes/scotiabank-scopes.yml
- type: GitHubOrganization
  url: https://github.com/scotiabank
- type: LinkedIn
  url: https://www.linkedin.com/company/scotiabank
apis:
- aid: scotiabank:wire-payments
  name: Wire Payments API
  description: Enables businesses to initiate secure, one-time wire transfers between accounts in the same currency (CAD or
    USD), domestically within Canada and the U.S., or internationally. Uses the SWIFT GPI-enabled network with Unique End-to-End
    Transaction Reference (UETR) for real-time tracking.
  humanURL: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
  tags:
  - Wire Transfer
  - Payments
  - SWIFT
  - Banking
  properties:
  - type: Documentation
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
- aid: scotiabank:real-time-payments
  name: Real-time Payments API
  description: Provides fast payment capabilities for business transactions via INTERAC e-Transfer for business. Customers
    can send up to $25,000 per transaction in real time.
  humanURL: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
  tags:
  - Real-Time Payments
  - INTERAC
  - Payments
  - Banking
  properties:
  - type: Documentation
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
- aid: scotiabank:eft-payments
  name: EFT Payment API
  description: Supports creation and submission of Electronic Funds Transfers (EFTs), including inquiring on payment and file
    status, deleting, updating, and recalling or reversing payments.
  humanURL: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
  tags:
  - EFT
  - Payments
  - Banking
  - ACH
  properties:
  - type: Documentation
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
- aid: scotiabank:account-balance-transactions
  name: Account Balance and Transactions API
  description: Provides the ability to retrieve account balance for the current day or any prior day along with enriched transaction
    data for the two years prior, and view a list of eligible deposit accounts.
  humanURL: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
  tags:
  - Account Management
  - Transactions
  - Banking
  - Balance
  properties:
  - type: Documentation
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
- aid: scotiabank:account-validation
  name: Account Validation API
  description: Assists clients in determining the validity of an account number's format and indicates the likelihood of account
    ownership match for Scotiabank accounts.
  humanURL: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
  tags:
  - Account Validation
  - Banking
  - Verification
  properties:
  - type: Documentation
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
- aid: scotiabank:payment-track-trace
  name: Payment Track and Trace API
  description: Provides the capability to inquire on the status of wire payments using unique reference numbers, offering
    real-time payment tracking powered by SWIFT GPI.
  humanURL: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
  tags:
  - Payment Tracking
  - Wire Transfer
  - Banking
  - SWIFT
  properties:
  - type: Documentation
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/products/Payments-and-Cash-Management-APIs.html
- aid: scotiabank:scotiabank-account-validation-api
  name: Scotiabank Account Validation API
  description: The Account Validation API from Scotiabank — 1 operation(s) for account validation.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - Account Validation
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-account-validation-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
- aid: scotiabank:scotiabank-accounts-api
  name: Scotiabank Accounts API
  description: The Accounts API from Scotiabank — 3 operation(s) for accounts.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
- aid: scotiabank:scotiabank-eft-payments-api
  name: Scotiabank EFT Payments API
  description: The EFT Payments API from Scotiabank — 2 operation(s) for eft payments.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - EFT Payments
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-eft-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
- aid: scotiabank:scotiabank-payment-tracking-api
  name: Scotiabank Payment Tracking API
  description: The Payment Tracking API from Scotiabank — 1 operation(s) for payment tracking.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - Payment Tracking
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-payment-tracking-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
- aid: scotiabank:scotiabank-real-time-payments-api
  name: Scotiabank Real-Time Payments API
  description: The Real-Time Payments API from Scotiabank — 1 operation(s) for real-time payments.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - Real-Time Payments
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-real-time-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
- aid: scotiabank:scotiabank-request-for-payment-api
  name: Scotiabank Request for Payment API
  description: The Request for Payment API from Scotiabank — 1 operation(s) for request for payment.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - Request for Payment
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-request-for-payment-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
- aid: scotiabank:scotiabank-wire-payments-api
  name: Scotiabank Wire Payments API
  description: The Wire Payments API from Scotiabank — 2 operation(s) for wire payments.
  humanURL: https://developer.scotiabank.com/en.html
  tags:
  - Wire Payments
  properties:
  - type: OpenAPI
    url: openapi/scotiabank-wire-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.scotiabank.com/en.html
  - type: DeveloperPortal
    url: https://developer.scotiabank.com/en.html
  - type: GettingStarted
    url: https://developer.scotiabank.com/content/scotiabank/developer/api/en/getting-started.html
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/rules/scotiabank-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-schema/scotiabank-transaction-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-ld/scotiabank-context.jsonld
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/json-structure/scotiabank-wire-payment-structure.json
  - type: Examples
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/examples/scotiabank-initiate-wire-payment-example.json
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/scotiabank/refs/heads/main/vocabulary/scotiabank-vocabulary.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com