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A Client Card with Visa* Debit

Your Client Card is simple, secure and travel ready. Shop confidently online and in-store, using money from your Chequing Account.

  • Easily add it to your mobile wallet
  • Tap up to $250^ when making purchases
  • Free access to 3,500 Scotiabank ABMs

Unlimited

Daily transactions

Secure

Visa* Debit Zero Liability Protection

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Your Client Card keeps you in control

Whatever you’ve got on the go, Visa Debit helps to simplify your payments.

Learn more about our Chequing Account

Shop online and in-app

Whether you’re paying for subscriptions, ordering food, or buying clothes, shop online and in-app using Visa Debit wherever it’s accepted. Plus, add your Card to your mobile wallet for convenient checkout.

Pay in-person

Use your Client Card to pay when shopping and dining in-person with your favourite retailers, cafes, restaurants and more.

Use your Card abroad

Travelling? Pay in-person or online with money right from your Chequing Account (fee applies).** Plus, get access to 44,000 ABMs worldwide through Scotiabank’s Global ATM Alliance.6

Pay with your phone

Make paying even quicker. Add your Client Card to your Apple Pay®, Google Pay™ and Samsung Pay® mobile wallets – it’s fast and secure.

Learn how to add it to your mobile wallet

Shop with confidence

With Interac® Zero Liability and Visa* Zero Liability protection, you’re safe from unauthorized purchases.*

Don’t have our Mobile Banking app3 yet? Download it today, so you can bank easily from anywhere.

Learn More

Activate your Client Card

You’ll get your Client Card within 5–10 business days after opening your Tangerine Chequing Account. For security, your PIN will be mailed separately, and you should get it a few days after receiving your Card. How to activate:

Log in

Select your Chequing Account.

Click “Manage Card”

If you’re on the Mobile Banking app, tap the three dots at the top right of the screen and select 'Manage Card'.

Activate your Card

Follow the prompts, and you’re all set!

Free ABM access

Free access to 3,500+ Scotiabank ABMs nationwide and 44,000 ABMs worldwide through Scotiabank’s Global ATM Alliance.6

Find your nearest ABM

Sticky Notes

FAQs

Answers to all your burning questions are right here.

Your Client Card accesses funds in your Chequing Account and is used for ABM transactions and debit purchases. The Card includes Visa Debit, which means that in addition to using it for in-store debit purchases, you can use it to pay online and in-app where Visa is accepted. Paying with your Client Card means you’re using money already in your Chequing Account whereas a credit card purchase is done using funds the bank is essentially lending to you, and interest is applied if you don’t pay back that money by your payment due date.
 

If you know your Client Card is lost or stolen, then request a replacement Card. Here’s how:

  1. Click your Chequing Account and select ‘Manage Card’.
  2. Select ‘Replace lost, stolen or damaged Card’ and follow the prompts from there.

If your Client Card is misplaced, you can lock it until it turns up. Here's how:

  1. Log in if you aren’t already and select your Chequing Account.
  2. Click the ‘Manage Card’ button.
  3. Under ‘Actions’ select the ‘Lock or Unlock’ toggle button and follow the prompts from there.

If you’re on a mobile device, log in and select your Chequing Account, then tap the 3 dots in the top right corner of the screen. Then tap ‘Lock Card’ and follow the prompts from there.

 

Your Card can remain locked until 2 months past your expiry date. After this, the Card will automatically be cancelled and you’ll need to order a new one.
 

You won’t pay any fees for your daily chequing transactions using your Visa Debit Client Card in Canada. For other transactions, including international purchases, a fee may apply. View the complete list of Account fees.

  • Annual Fee: Free
  • Replacement Card: Free
  • ABM Deposits/Withdrawals: Free
  • Other ABM Withdrawals in Canada: $1.50
  • Other ABM Withdrawals Worldwide (not part of Global ATM Alliance1): $3
  • Foreign Currency Conversion Fee7: 2.50% added to the exchange rate, and reflected in the converted Canadian dollar amount of the transaction.
     

The exchange rates for Visa Debit are set by the Visa network and determined on the date of your purchase. In addition, transactions in a foreign currency are subject to Tangerine’s Foreign Currency Conversion Fee. Learn more about our fees here.
 

If you’ve forgotten your PIN, here’s how to change it:

 

To reset it in the Mobile Banking app: 

Step 1
Select your Chequing Account.

Step 2
Tap the 3 dots in the top right corner of the screen, then tap ‘Manage Card’ and select ‘Change Card PIN’.

Step 3
You’ll need the CVV on the back of your Card.

Step 4
Once you’ve created a new PIN, the next step is to activate it by making a withdrawal or deposit at any ABM. An email will be sent to you with instructions.

 

Note: You can use a Scotiabank ABM for free. A non-Scotiabank ABM will work, but you’ll be charged a fee for that transaction.

 

To reset it in the Web: 

Step 1
Log in if you aren’t already and select your Chequing Account.

Step 2
Click ‘Manage Card’ and select ‘Change Card PIN’.

Step 3
You’ll need the CVV on the back of your Card, but you don’t have to remember your old PIN. Just follow the prompts.

Step 4
Once you’ve created a new PIN online, the next step is to activate it by making a withdrawal or deposit at any ABM. An email will be sent to you with instructions.

 

Note: You can use a Scotiabank ABM for free. A non-Scotiabank ABM will work, but you’ll be charged a fee for that transaction.

 

To reset it in the ABM:

If you know your current PIN, you can change it anytime at a Scotiabank ABM that supports PIN changes. Check our ABM Locator to confirm that the ABM shows ‘PIN Change Supported’. Then follow these steps to complete your PIN change:

 

Step 1
Insert your Client Card and enter your current Client Card PIN, then select your language.

Step 2
Go to ‘Settings’ near the top right corner of the screen.

Step 3
Select the Change PIN option and follow the prompts.
 

Join with our app

Become a Client completely digitally with our Mobile Banking app3. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

Don’t have our Mobile Banking app3 yet? Download it today, so you can bank easily from anywhere.

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1 You acknowledge and agree that you are responsible for any charges incurred if debits can’t be processed due to insufficient funds, rejected Pre-Authorized Debits or any other reason for which you may be held accountable.

3 Some conditions may apply. Service is subject to availability and successful digital verification.

4 As of May 21, 2025 there were 44.7K reviews with an average rating of 4.5 from the Google Play Store and 72.5K reviews with an average rating of 4.8 from the App Store.

® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.

™ Google Play is a trademark of Google LLC.

6 Tangerine will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your Tangerine Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at tangerine.ca/feeschedule.

7Full terms and conditions are outlined in the Account Terms and Client Card Cardholder Agreement available to you on our website at tangerine.ca.

** Purchases in a foreign currency are subject to Tangerine’s Foreign Currency Conversion Fee of 2.50%, which is added to the exchange rate and reflected in the converted Canadian dollar amount of the transaction. Fees subject to change. Learn more about our fees here.

^With Interac Debit contactless payments, you can tap to pay up to $250 per transaction at stores in Canada. For purchases above this limit, you’ll need to insert your card and enter your PIN. However, limits for contactless transactions may vary by retailer.

*Trademark of Visa International Service Association and used under licence.

®Interac and Interac e-Transfer are registered trademarks of Interac Corp, used under licence.

® Scotiabank is a registered trademark of The Bank of Nova Scotia.

® ApplePay is a registered trademark of Apple Inc., registered in the U.S. and other countries.

™ Google Pay is a trademark of Google LLC.

® Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.