# Scotiabank

**Canonical:** https://apis.io/providers/scotiabank/  
**APIs profiled:** 13

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.

## Kin Score — 33.4 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.4).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 68.4 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Banking & Open Finance**: 48.1 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise · Requires approval — onboarding: approval, pricing: enterprise, trial: no (confidence: high).

## APIs (13)

- **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.

## Agentic access (1)

- **Scotiabank Agentic Access** — 13 operations · 7 acting

## Security (2)

- **Scotiabank Authentication** — oauth2 · 1 scheme
- **Scotiabank Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Scotiabank Plans Pricing**

## Tags

Banking, Finance, Payments, Canada, Open Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/scotiabank/). Scores are computed from the provider's own public artifacts under a published rubric.