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Current offers
Discover great investing options with our limited time offers.
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The Win It and Trade It Contest
Be 1 of 12 winners to receive $20,000 invested in an ETF of your choice or trade it for another incredible prize of equal value. The contest ends on July 31, 2026. Conditions apply.
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With a TD Active Trader account, you could get free market data
Open a new TD Active Trader account by November 30, 2026, and get free market data until December 31, 2026. Conditions apply†.
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Students, kickstart your investment journey with TD Easy Trade™ and get $100!
Open a new TD Easy Trade account and get $100 when you deposit $1000 or more. Conditions apply. Offer ends November 2, 2026.
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International students, make the most of your studies in Canada with TD!
Start your student journey in Canada with a new TD Direct Investing account and get 10 free trades & maintenance fees rebated for the first year. Conditions apply. L’offre prend fin le 2 novembre 2026.
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TD Direct Investing offer for newcomers to Canada
Open a new TD Direct Investing account and get 10 free trades & maintenance fees rebated for the first year. Conditions apply†. Offer ends October 1, 2026.
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The Win It and Trade It Contest
Be 1 of 12 winners to receive $20,000 invested in an ETF of your choice or trade it for another incredible prize of equal value. The contest ends on July 31, 2026. Conditions apply.
-
With a TD Active Trader account, you could get free market data
Open a new TD Active Trader account by November 30, 2026, and get free market data until December 31, 2026. Conditions apply†.
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Students, kickstart your investment journey with TD Easy Trade™ and get $100!
Open a new TD Easy Trade account and get $100 when you deposit $1000 or more. Conditions apply. Offer ends November 2, 2026.
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International students, make the most of your studies in Canada with TD!
Start your student journey in Canada with a new TD Direct Investing account and get 10 free trades & maintenance fees rebated for the first year. Conditions apply. Offer ends November 2, 2026.
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TD Direct Investing offer for newcomers to Canada
Open a new TD Direct Investing account and get 10 free trades & maintenance fees rebated for the first year. Conditions apply†. Offer ends October 1, 2026.
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Past offers
Check out our past offers. While these offers are no longer available, they highlight the investing solutions you can expect in the future.
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Past offers |
Terms and conditions |
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April 13 – June 30th 2026: 2026 TD Direct Investing and TD Easy TradeTM Spring Offer |
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March 31 – June 30th 2026: TD Easy TradeTM Partial Shares Offer |
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November 3, 2025 – March 31, 2026: 2026 TD Investing Campaign for TD Direct Investing TD Easy TradeTM |
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July 1, 2025 – September 30, 2025 - TD Direct Investing 2025 Partial Share Trades Rebate Offer |
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August 1, 2025 – September 5, 2025 – TD Direct Investing and TD Easy TradeTM 2025 Summer Offer |
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May 1, 2025 - July 31, 2025: TD Direct Investing 2025 Aeroplan Take Flight Offer |
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May 1, 2025 - July 31, 2025: TD Direct Investing 2025 Step into Spring Offer |
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November 28, 2024 - May 31, 2025: TD Direct Investing 2024-2025 FHSA Offer |
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February 1, 2025 – March 31, 2025: TD Direct Investing 2025 Winter Wealth Goals |
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November 1, 2024 – January 31, 2025: TD Direct Investing 2024-2025 Winter Offer |
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2026 TD Investing Campaign for TD Direct Investing and TD Easy Trade TM (the “Offer”)
Clients can get 2% cash back by transferring assets from outside of TD Bank Group to an eligible registered TD Direct Investing or TD Easy Trade account and clients can get 1% cash back by transferring assets from outside of TD Bank Group to an eligible non-registered TD Direct Investing or TD Easy Trade account.
Eligibility
Eligible Accounts for 2% cash back
- Tax-Free Savings Account (TFSA) 1
- Registered Retirement Savings Plan (single account holder and spousal) (RRSP)1
- First Home Savings Account (FHSA)1
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
Eligible Accounts for 1% cash back
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Corporate Account
Non-eligible Accounts
- Retirement Income Fund (RIFs)1
- Life Income Fund (LIF)1
- Registered Education Savings Plan (RESP)2
- Registered Disability Savings Plan (RDSP)1
- Any non-personal accounts other than a Corporate Account
How do I know if I am eligible for the Offer?
- You're a new or existing TD Direct Investing or TD Easy Trade client, with your account(s) in good standing, as described below, at the time of participating in the Offer.
- You're the legal age of majority in your province or territory by March 31, 2026.
- You're a legal resident of Canada.
- You fulfill the terms and conditions listed below.
Qualifications
How do I qualify for the Offer?
1. Register for the Offer between November 3, 2025, and March 31, 2026 (the “Registration Period”).
- Clients who don't have an existing TD Direct Investing or TD Easy Trade account can register by opening a new account and including the promocode INVEST2026 (or INVESTIR2026 in French) between November 3, 2025, and March 31, 2026. If opening an account in branch or by phone, provide the promo code to the TD representative.
- Clients who already have an existing TD Direct Investing or TD Easy Trade account can register by completing the registration form and including the account number from one of your eligible accounts.
- Once you are registered, all your eligible accounts, as defined above, will be included in the offer.
2. Transfer in $10,000 CAD or more from any financial institutions outside of TD Bank Group.
- Initiate your first transfer directly from any financial institution(s) outside TD Bank Group within 30 days of registering for the Offer.
- Complete your first transfer within 60 days of registering for the Offer or by the funding deadline of April 30, 2026, whichever comes first.
- In addition to the first transfer, any assets transferred into the account from outside TD Bank Group until April 30, 2026, will be counted toward your total funding amount ("TFA").
- Transfers can be made to a new and/or existing TD Direct Investing and TD Easy Trade account.
- The TFA must meet the minimum funding amount of $10,000 CAD.
3. Maintain the assets in your eligible account(s) until March 31, 2027.
Any withdrawals that occur between November 3, 2025, and March 31, 2027 ("Campaign Period") from any eligible accounts will be subtracted from the TFA. This includes assets that were in the account prior to the start of the Offer, regardless of registration date. Withdrawals from any non-eligible account (RIF, LIF, RESP, RDSP and non-personal other than corporate) will not impact the TFA.
The "Reward"
How will the cash back Reward be calculated?
- The total cash back Reward will be calculated based on 2% of the TFA of any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $10,000 CAD.
- The cash back Reward will be calculated on the TFA maintained in the eligible account(s) as of March 31, 2027.
- If you transfer assets into multiple accounts, the TFA will be calculated by combining the value of the assets transferred into all of the eligible accounts.
- Withdrawals from any eligible account(s) that you hold within the Campaign Period (November 3, 2025 – March 31, 2027), will be subtracted from the TFA, including assets that were previously held in the account prior to the start of the Offer.
- Withdrawals will reduce the TFA that qualifies for the applicable percentage Reward. If you withdraw from an account earning 2%, your 2% Reward will decrease. If you withdraw from an account earning 1%, your 1% Reward will decrease.
- If you have positive TFA in only one reward tier, withdrawals from any of your eligible accounts will reduce that Reward tier.
- The market value of assets at the time of deposit will be used to determine the value of the assets transferred into the account(s).
- Interest and dividends will not be included in the calculation of the TFA but will be subtracted from the TFA if withdrawn.
- The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). U.S. dollar balances will be converted into Canadian dollars using the exchange rate on the date of deposit to determine eligibility.
- Assets transferred into the account(s) after April 30, 2026, will not count towards the TFA.
- If the TFA falls below $10,000 (excluding standard market fluctuations) as of March 31, 2027, no Reward will be granted.
- For any TFA deposited into a joint account, the total cash back Reward can only be allocated to the primary account holder. Withdrawals from a joint account will be deducted from the primary account holder's TFA regardless of which account holder completed it. There is no impact to any additional account holder(s).
How will the cash back Reward be deposited into my account?
- The Reward will be distributed by April 30, 2027.
- If you only transfer assets to one account, the total cash back Reward will be deposited into that account.
- If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.
- Rewards will be applied to the TFA in the 2% tier first, if applicable. Once any applicable TFA has been credited to the 2% tier, any remaining Reward will then be applied to TFA in the 1% tier.
- The Reward will be paid in CAD to the Canadian component of the account(s).
- For joint accounts, TD Direct Investing is not responsible for how the Reward is managed or shared once it has been paid out.
- The maximum Reward a client can receive is $10,000 CAD.
- If a client transfers assets to both TD Direct Investing and TD Easy Trade accounts for the Offer, the maximum Reward they can receive across all TD Direct Investing and TD Easy Trade accounts is $10,000 CAD.
Key Dates
- Campaign Period: November 3, 2025 – March 31, 2027
- Registration Period: November 3, 2025 – March 31, 2026.
- Deadline to Register: March 31, 2026
- Funding Period: November 3, 2025 – April 30, 2026.
- First Transfer Initiation Deadline: 30 days after client registration date
- First Transfer Completion Deadline: 60 days after client registration date or April 30, 2026 – whichever comes first.
- All transfers must be completed by April 30, 2026
- TFA must be held in the account(s) until March 31, 2027
- You will receive your Reward by April 30, 2027
Additional Details
- To receive the cash back Reward, a client must keep their account(s) in good standing until the Reward payout date. Good standing requires the account(s) to not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
- Assets that have previously qualified for or received Rewards under any prior promotional Offer will not be included in the TFA for the purpose of calculating the Reward. This includes assets that are transferred out and subsequently transferred back in.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- This Offer is not transferable.
- Assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- There may be tax implications associated with the cash Reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash Reward is paid directly to the plan and is not considered a contribution.
- Standard market fluctuations, and account fees will be excluded from calculations used to determine if an account qualifies for the Reward.
- TD Direct Investing reserves the right to refuse the provision of any Rewards and benefits under this Offer if it determines you have violated the terms set out above.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
TD Direct Investing 2025-2026 TD Active Trader Offer (the “Offer”)
- This offer is available to clients who open a new TD Active Trader account by November 30, 2026.
- Client must be a TD Active Trader user onboarded by December 31, 2026 in order to qualify for the waiving of the monthly streaming market data fee of $32 USD.
- The Active Trader monthly streaming market data fee will be waived until December 31, 2026.
- Note: After the promotion ends, the monthly streaming market data fee will be included charged in to your account (if applicable) and reflected in your account activity and your monthly statements.
Further Terms and Conditions:
- The waived fee period commences on the date the TD Active Trader account is opened and expires on December 31, 2026.
- The TD Active Trader account must be opened prior to November 30, 2026.
- Any accounts opened prior to June 15, 2024 do not qualify for this offer.
- To qualify for the waived fee, a participant must keep their TD Active Trader Account in good standing with TD Direct Investing.
- Employees of TD Bank Group are eligible for this offer.
- This offer may be changed, extended, or withdrawn at any time without notice.
- This offer is not transferrable to other clients or, if the client joins an existing household, to any preexisting account belonging to the household.
F26 Students Always ON T&Cs – ROC version
The offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. All offers are contingent on satisfying the criteria outlined in the respective offer terms and conditions.
Calculating the $560 TD Student Banking Package Valuation
◊ The up to $560 value is based on the combined total value of:
- $125 Cash Offer when you start by opening a new TD Student Chequing Account ∑ AND
Complete any two of the following with your new TD Student Chequing Account before August 31, 2026
- Set up and receive a recurring direct deposit from your employer or the Government.
- Send or receive one e-Transfer of at least $30∑, ∏
- Make an online purchase using your TD Access Card with Visa* Debit.
- Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account
- Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by June 29, 2026.Δ Conditions apply.^, Δ Eligible for students only.
- □ Students who open a NEW TD Direct Investing account can get up to $250 in value in their first year. This includes a $50 cash reward, up to 10 commission-free trades (up to $9.99 per trade), and a rebate on maintenance fees for the first year (up to $100). After that, students under 26 can receive a 50% commission rebate on trades.
- Ω $60 in savings with no monthly fee annually for the TD Monthly Plan Overdraft Protection service set up on your new TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection). Effective August 7, 2025, there are no MODP fees for Quebec accounts.
- β Get a $25 Uber Gift Card if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for TD Student Chequing Account $125 Cash Offer by August 31, 2026∑; (b) Open an eligible Credit Card by June 29, 2026 and meet the qualifying conditions in accordance with the $25 Uber Gift Card Offer β by August 31, 2026. Keep both the new TD Student Chequing Account & Credit Card open and active for 5 months post account opening.
TD Student Chequing Account Offer
∑ The $125 Cash Offer is available to full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, who are Canadian residents that do not have an existing TD chequing account, that are the age of majority at time of account opening in their province or territory of residence. We reserve the right to limit the number of accounts opened and the number of cash offers by any one person. Your account must be open, active and in good standing at the time the cash offer is deposited. Please allow 12 weeks after the conditions have been met for fulfillment.
∏ Open a new TD Student Chequing Account between November 6, 2025 and June 29, 2026 (the “New Account”) and complete any two of the following with the New Account before August 31, 2026:
i) Set up and receive a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by August 31, 2026. The Direct Deposit must occur either weekly, biweekly, monthly or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
ii) Send or receive one e-Transfer of at least $30 by August 31, 2026.
iii) Make an online purchase using your TD Access Card with Visa*Debit by August 31, 2026. Regular transaction fees may apply, see About Our Accounts and Related Services for more information.
iv) Set-up a recurring Pre-authorized Transfer Service or Simply Save Service from the New Account to a TD Every Day Savings Account or TD ePremium Savings Account by August31, 2026. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly or bi-weekly of any amount between $0.50 to $5.00.
For more information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
The following are not eligible for the $125 Cash Offer:
(i) Customers who already have a TD Chequing account that was closed on or after November 6, 2024; or
(ii) Individuals who received any chequing account offer from TD from 2023 to 2025; or
(iii) TD staff members or a joint account with a TD staff member.
For any New Account that is a joint account, at least one account holder on the New Account must meet the eligibility requirements. Limit of one $125 Cash Offer per customer, per New Account. The $125 Cash Offer will be deposited to the New Account within 12 weeks after all conditions have been met, provided that the New Account is still open, in good standing, with all conditions continuing to be met. We can change, extend or withdraw the $125 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
TD Cash Back Visa* Card Student Offer
Δ Annual interest rates, fees and features are current as of November 5, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on November 6, 2025 and ends June 29, 2026 (the "Offer Period") and is only available to those student Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by June 29, 2026:
Earn $100 in Cash Back Dollars when you spend $1,000+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $100 Cash Back Dollars to the TD Cash Back Visa* Card, you must make $1000 in Purchases on your account within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.
This Offer is only available to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
TD Direct Investing Account Student Exclusive Offer
□ Students who open a NEW TD Direct Investing account can get up to $250 in value in their first year. This includes a $50 cash reward, up to 10 commission-free trades (up to $9.99 per trade), and a rebate on maintenance fees for the first year (up to $100). After that, students under 26 can receive a 50% commission rebate on trades. The offer is open to Canadian residents who are at least the legal age in their province and are 25 or younger when they apply. It runs from November 6, 2025 to June 29, 2026. Please check the full terms and conditions for details.
Eligibility: Open a new TD Direct Investing account by June 29, 2026, and maintain a TD Student Chequing account. This offer applies to individuals aged 25 years or younger at the time of application.
Eligible "Account(s)" for the Direct Investing Student Offer:
- Cash (Single account holder)
- Tax-Free Savings Account (TFSA) 1
- First Home Savings Account (FHSA)1
- Registered Retirement Savings Plan (RRSP)1
- Margin
- International Students are only eligible for a Cash Account (single)
Account(s) not eligible for the Offer:
- Any non-personal accounts
- Registered Education Savings Plan (RESP)2
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
- Retirement Income Fund (RIFs)1
- Life Income Fund (LIF)1
- Registered Disability Savings Plan (RDSP)1
- TD Easy Trade™ is not eligible for this offer.
To be eligible for the Offer, a client must:
- Open a new TD Direct Investing Account.
- Open a new or maintain an existing TD Student Chequing Account.
- Initiate funding within 30 days of opening.
- Be the age of majority in their province or territory at time of Account opening.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Open a new TD Direct Investing Account by June 29, 2026.
- This offer may not be combined with any other TD Direct Investing promotions. No promo code is required (promo field must be left blank).
2. To qualify for the Cash reward, initiate a transfer of $1,000 or more in investable assets or cash from one or more financial institution(s) that are unassociated with TD Bank Group ("Qualifying Assets") to the new eligible Account(s) by July 31, 2026.
- Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
- Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of a new Account. USD balances will be converted into CAD to determine eligibility.
- Where a client opens multiple new Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the new Accounts.
3. To receive commission trade rebates, clients must make their first 10 eligible trades in a new Account within 12 months of opening. Rebates (up to $9.99 per trade) apply only to self-serve online full or partial share trades; phone trades with an Investment Representative are excluded. Up to 10 commission rebates cover Canadian and U.S. equity, ETF, and option trades with commission charges. For options, only the flat commission is rebated; per-contract fees still apply. Fixed income, mutual funds, trades outside U.S./Canada markets, and new issues do not qualify for this offer.
4. A 50% rebate on subsequent commission trading fees will be applied following the completion of the first 10 commission trades or after 12 months from opening a TD Direct Investing Account, whichever occurs first. This discount is available only for self-serve full and partial share trades executed electronically. Eligibility for rebates ends when the client becomes 26 years of age.
5. Maintenance fees charged to the Account will be rebated on a quarterly calendar basis during the first 12 months after the Account is opened.
6. If the client turns 26 within the first year, rebate promotions stay active until the end of that 12-month period.
7. To remain eligible for all discounts on the TD Direct Investing Account, clients must maintain a TD Student Chequing account in good standing and be 25 years of age or younger.
Clients requiring assistance to register or otherwise apply for this Offer should ask for assistance at a TD Canada Trust branch or contact an Investment Representative at 1-800-465-5463.
Additional Terms & Conditions:
- To receive the reward, a client must keep the Account in good standing until the offer payout date. Good standing requires Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- TD Direct Investing Account must be linked to the profile within the retail banking division of The Toronto-Dominion Bank (TD Canada Trust). The option to link may be changed anytime by contacting TD Direct Investing.
- Employees of TD Bank Group are not eligible for this offer.
- This offer is not transferable.
- The offer, rebates and discounts may be changed, extended, or withdrawn at any time without notice.
- This offer cannot be used in conjunction with any other TD Direct Investing offer.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the reward. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- TD Direct Investing reserves the right to refuse the provision of any rewards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash reward is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an account qualifies for the reward.
- Commission fees will be rebated to the new Accounts which were charged the commission on a first in first out basis from the date the Account is opened.
• Terms of Offer Payment:
• The cash reward will be paid in CAD to the eligible client’s Account by August 15, 2026. If Qualifying Assets are transferred to one Account, the full reward goes there; if transferred to multiple Accounts, the reward is divided proportionally based on the value transferred into each.
• Terms of trading fee rebates:
• Up to 10 full or partial share trade commissions will be rebated (up to $9.99) and subsequent trades will be rebated at a discount of 50%. Only self-serve trades completed electronically are eligible. Please review our Fees & Pricing information available on our website.
• TD Direct Investing applies commission rebates for eligible trades to new Accounts by the last business day of each month, beginning the month after Account opening. If the last day falls on a holiday, rebates are processed within the following two business days.
• Terms of Maintenance Fee rebates:
Should a quarterly maintenance fee be applied to the Account, the fee will be reimbursed on a quarterly calendar basis (up to $25 per quarter) during the first year following the Account opening.
Monthly Overdraft Protection Service Saving on the TD Student Chequing Account
Ω Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a New Account (regular $5 monthly fee for Monthly Plan Overdraft Protection).
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
Effective August 7, 2025, there are no MODP fees for Quebec accounts.
Uber Gift Card Offer
β Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Uber Gift Card offer.
The Uber gift card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Account opening and provided all conditions have been met. The Uber Gift Card is subject to the restrictions set out in the terms and conditions available at uber.com/legal/gift-cards/en-ca and may be subject to change from time to time. TD is not responsible if a gift card is not honored for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Uber Gift Cards awarded by any one person.
Your TD account must be open, active and in good standing at the time the Uber Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Uber Gift Card.
To earn the limited-time Uber Gift Card offer, you must complete both conditions below:
1) Open a New Account between November 6, 2025, and June 29, 2026 and complete any two of the following with the New Account before August 31, 2026:
(i) Set up a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by August 31, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval;
(ii) Send or receive one e-Transfer of at least $30 by August31, 2026;
(iii) Make an online purchase using your TD Access Card with Visa* Debit by August 31, 2026. Regular transaction fees may apply, see About Our Accounts and Related Services for more information;
(iv) Set-up a recurring Pre-authorized Transfer Service or Simply Save Service from the New Account to a TD Every Day Savings Account or TD ePremium Savings by August 31, 2026. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or
2) Apply for a new TD Cash Back Visa* Card, (a "new TD Credit Card") by June 29, 2026 and be approved and activate it by August 31, 2026. Your new TD Credit Card must be open, active and in Good Standing at the time the Uber Gift Card is issued.
Accept the offer by the date presented in the email, confirming qualification to receive the Uber Gift Card.
Customers who are a Primary Cardholder of a Personal TD Credit Card as of November 6, 2025, will not receive this offer. This offer is not available to customers who closed a Personal TD Credit Card account in the last 6 months.
Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated.
By using this gift card, you accept the following terms and conditions: This card is redeemable via the Uber® and Uber Eats app within Canada. The card is non-reloadable and, except where required by law, cannot be
redeemed for cash, refunded, or returned. You may be required to add a secondary payment method to use this gift card with the Uber or Uber Eats app. The card is not redeemable outside Canada. Issuer is not responsible for lost or stolen cards, or unauthorized use. This card is issued by Uber B.V. For balance, full terms and conditions and customer service, visit uber.com/legal/gift-cards/en-ca.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Banking services are offered by The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
Visa* is a registered trademark of Visa International Service Association, used under license.
Interac® e-Transfer is a registered trademark of Interac Corp. Used under license.
International Student Banking Package – Terms & Conditions
(Valid June 30, 2026 until November 2, 2026)
The offers within the TD International Student Banking Package may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. All amounts are in Canadian dollars unless otherwise noted.
1 International Students qualifying for the offers within the TD International Student Banking Package (an "Eligible Student") must:
- Visit a TD branch and let us know that you are an international student, which means you are a full-time post-secondary student enrolled in an accredited university or college in Canada with acceptable proof of enrollment;
- Provide an unexpired Study Permit from the Government of Canada (e.g., IMM Form 1442, 1208, 1102);
- For students studying in the Province of Quebec: provide a Quebec Acceptance Certificate (CAQ) in addition to the documents noted above;
- Be the age of majority at the time of account opening in your province or territory of residence; and
- Satisfy the eligibility criteria outlined in the respective offer terms and conditions.
2 Value of up to $680 in welcome bonuses, savings and benefits is calculated as follows:
- TD Student Chequing Account Offer3: Earn $150 in cash when you start by opening a new TD Student Chequing Account3 ("New Student Chequing Offer") AND complete any two of the following with your new TD Student Account before January 2, 2027:
- Set up a recurring direct deposit from your employer or the Government.
- Send or receive one e-Transfer of at least $40.
- Make an online purchase using your TD Access Card with Visa* Debit.
- Set-up a Pre-Authorized Transfer Service or Simply Save Service ("Service") to an eligible TD Savings Account. The first transaction for either Service should be processed within 30 days of the New Chequing Account opening.
- Student Exclusive Credit Card Offers5:
- Earn $125 in Cash Back Dollars when you spend $1000+ in the first 3 months on your new TD Cash Back Visa* Card applied to your Cash Back dollar balance; after the 3 months as a one-time payout. Conditions apply.^, Δ; or
- Earn 37,880 TD Rewards Points (a value of $125 on Amazon.ca1) when you spend $1000+ in the first 3 months on your new TD Rewards Visa* Card; after the 3 months as a one-time payout.
- TD Direct Investing Account International Student Exclusive Offer6: Earn up to $200 in value when you enroll in the TD International Student Banking Package and open a new TD Direct Investing Account. $200 is based on the combined total value of:
- Up to $100 in value from 10 commission-free trades (Up to $9.99 per trade).
- Up to $100 in the first year of maintenance fees rebated.
- Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory at time of opening new account. This offer begins on June 30, 2026 and ends on November 2, 2026. Please see the complete terms and conditions below for eligibility.
- TD Global Transfer Offer7: Up to $105 annual value is based on seven Western Union® Money TransfersSM for 12 months using TD Global Transfer™ at a fee of up to $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.
- International Student Exclusive Bundle Offer8: Earn $100 in cash when a New Student Chequing Account customer (as defined in the TD Student Chequing Account Offer) opens a new TD Every Day Savings Account, TD GrowthTM Savings Account, or TD ePremium Savings Account (each a "New Savings Account") AND applies, is approved for, and opens a new TD Credit Card in accordance with the Student Exclusive Bundle Offer below8.
- Additional Student benefit4: TD Savings Account Offer – Earn 4% Bonus Interest Rate for 90 Days on deposits in a new eligible TD Savings Account – on any balances up to $1,000,000.00.
3 TD Student Chequing Account Offer: Eligible Students can obtain $150 cash (the "Chequing Offer") by opening a new TD Student Chequing Account between June 30, 2026 and November 2, 2026 (the “New Account”) and completing any two of the following with the New Account:
Earn $150 by completing any two of the following activities by January 2, 2027:
- Set up and receive a recurring Direct Deposit from your employer or the Government. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval.
- Send or receive one e-Transfer of at least $40.
- Make an online purchase using your TD Access Card with Visa* Debit.
- Set up a recurring Pre-authorized Transfer Service or Simply Save ("Service") from the New Student Chequing Account to a TD Every Day Savings Account or TD ePremium Savings Account. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. The first transaction for either Service should be processed within 30 days of the New Chequing Account opening.
Regular transaction fees may apply, see About Our Accounts and Related Services for more information.
Eligibility Restrictions:
The following are not eligible for the Chequing Offer:
- Customers who already have a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 30, 2025;
- Customers who received any Chequing Account offers from TD from 2023 to 2026;
- Customers who are joint with a youth/minor who is under the age of majority in their province/territory; or
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 30, 2025;
- TD staff members or customers who have a joint account with a TD staff member.
For any New Account that is a joint account, at least one account holder on the New Account must meet the eligibility requirements.
Fulfillment:
The Chequing Offer will be deposited to the New Account within 12 weeks after all conditions have been met, provided that the New Account is still open, in good standing, with all conditions continuing to be met. Limit of one Chequing Offer per customer, per New Account.
4 TD Student Savings Account Offer – Earn 4% Bonus Interest Rate for 90 Days: Eligible Students can earn an additional 4% Bonus Interest Rate for 90 days on deposits in a new eligible TD Savings Account – on any balances up to $1,000,000.00 (the " TD Student Savings Account Offer "). To qualify, you must:
1. Open a New Student Chequing Account
Open a New Student Chequing Account between June 30, 2026 and November 2, 2026, and
2. Open a New Savings Account
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") by November 2, 2026;
3. Deposit Funds to Earn an Additional 4% Bonus Interest Rate for 90 Days
The account will earn a Bonus Savings Interest Rate of 4% per annum on any balances up to $1,000,000.00 for 90 days in addition to the current applicable posted interest rate for the selected TD Savings Account. The Bonus Savings Interest Rate will be applied to the New Savings Account commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter (“Promotional Period”).
- The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account.
- The Bonus Savings Interest Rate is an annual interest rate. It is calculated each day, based on the Daily Closing Balance on that day, and paid monthly.
- After the Promotional Period ends, only the posted interest rate will apply.
- For the current posted interest rates, interest calculations, and information about Daily Closing Balance, see About Our Interest Calculations.
Eligibility Restrictions
The TD Student Savings Account Offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 29, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 30, 2025;
- Customers who open a New Student Chequing Account or TD Savings Account on or after June 30, 2026, but change the account to a type other than the TD Student Chequing Account or a different TD Savings account than the one that opened initially before this offer is fulfilled;
- Customers who already have a TD Savings Account as of June 29, 2026;
- Customers who had a TD Savings Account that was closed on or after June 30, 2025;
- Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025, 2026; except the 2026 TD Student Savings Account Offer; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
- For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements.
Fulfillment:
- The Bonus Savings Interest Rate and posted interest rate will be credited separately in the New Savings Account monthly for a period of 90 days, provided that the New Chequing Account and the New Savings Account are still open, in good standing, and all conditions continue to be met at the time of fulfillment. There may be tax implications associated with the Bonus Savings Interest. Customers should consult with their personal tax advisor for more information.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
5 TD Credit Card Student Offer Terms and Conditions:
Annual interest rates, fees and features are current as of November 5, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on June 30, 2026 and ends November 2, 2026 (the "Offer Period") and is only available to those student cardholders of a new TD Cash Back Visa* Card or TD Rewards Visa* Card ("Account"). Account must be opened by November 2, 2026:
- Earn $125 in Cash Back Dollars when you spend $1000+ in the first 3 months on your new TD Cash Back Visa* Card applied to your Cash Back dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
- Earn 37,880 TD Rewards Points (a value of $125 on Amazon.ca) when you spend $1000+ in the first 3 months on your new TD Rewards Visa* Card; after the 3 months as a one-time payout. Conditions apply.^, Δ
You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars or TD Rewards Points are applied to your Account. To earn $125 Cash Back Dollars to the TD Cash Back Visa* Card or 37,880 TD Rewards points to the TD Rewards Visa* Card, you must make $1000 in Purchases on your account within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance. TD Rewards Points can be used towards making purchases at Amazon.ca with Amazon Shop with Points.
Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars and TD Rewards points to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account or a TD Rewards Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account or a TD Rewards Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months. Any Cash Back Dollars or TD Rewards Points received under this Offer may be reversed after it has been applied if the qualifying purchases are cancelled and/or refunded to the Account.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars and TD Rewards Points awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars or TD Rewards Points not yet awarded.
This Offer is only available to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card or TD Rewards Visa* Card.
1 TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. 3 TD Rewards Points minimum redemption.
These are highlights of the Amazon.ca Shop with Points program for TD Rewards points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visit https://www.amazon.ca/tdrewards.
Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Please see the “TD Cash Back Program Terms and Conditions” or "TD Rewards Visa* Card Program Terms & Conditions" section of the TD Cash Back Visa Cardholder Agreement or TD Rewards Visa* Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
6 TD Direct Investing Account International Student Exclusive Offer Terms and Conditions: Students who are New TD Direct Investing clients can earn up to 10 free trades (up to $9.99 per trade) and have quarterly fees rebated for the first year (up to $25 per calendar quarter). The offer is open to Canadian residents who are at least the legal age in their province and are 25 or younger when they apply.
This offer begins on June 30, 2026 and ends on November 2, 2026. Please see the complete terms and conditions below for eligibility.
How to Qualify for the Offer:
- Must be registered in the TD International Student Banking Package. Confirm enrollment by visiting a TD Canada Trust branch or by calling EasyLine at 1-866-222-3456.
- Must be a new TD Direct Investing client when opening a NEW TD Direct Investing account ("New Account") by November 2, 2026.
- Must be the age of majority in their province or territory and 25 years or younger at time of account application.
- Must be a legal resident of Canada.
Eligible "Account" for the Offer:
- Cash (single or joint account holder)
Accounts not eligible for the Offer:
- All other TD Direct Investing account types are not eligible
- TD Easy Trade™ accounts
Free Trade Details:
- The 10 commission-free trades are available during the initial twelve months after the account is opened.
- Canadian trade commissions will be rebated to a maximum of $9.99/trade CAD; Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
- Rebates apply only to self-serve online trades for full or partial share trades; phone trades with an Investment Representative are excluded. Commission rebates cover Canadian and U.S. equity, ETF, and option trades with commission charges. For options, only the flat commission is rebated; per-contract fees still apply. Fixed income, mutual funds, trades outside U.S./Canada markets, and new issues do not qualify for this offer.
- TD Direct Investing applies commission rebates for eligible trades to new Accounts by the last business day of each month, beginning the month after Account opening. If the last day falls on a holiday, rebates are processed within the next two business days.
Maintenance Fee Rebate Details:
- Should a quarterly maintenance fee be charged, the fee will be reimbursed on a quarterly calendar basis (up to $25 per quarter) during the first year following the Account opening.
Further Terms and Conditions:
- This offer may not be combined with any other promotions, except as expressly stated in the terms and conditions of those offers.
- Employees of TD Bank Group are not eligible for this offer.
- This offer may be changed, extended or withdrawn at any time without notice.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- The Offer is not transferable.
7 TD Global Transfer Offer Terms & Conditions: The International Student TD Global Transfer offer is available to individuals who qualify for the International Student Banking Package and open a New Student Chequing Account. Starting the month the New Student Chequing Account is opened, Western Union® Money TransferSM fees charged to the New Student Chequing Account will be credited back to the New Student Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, up to a 12-month period. Only transfers completed from the New Student Chequing Account using the following transfer methods are eligible for the offer:
(i) Western Union® Money TransferSM
The Western Union® fee amount is dependent on the amount sent. The New Student Chequing Account must remain open and in good standing to be eligible for this offer.
Foreign exchange and other bank fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp.
For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
8 Student Exclusive Bundle Offer:
Eligible Students can earn $100 in cash by bundling a New TD Student Chequing Account, New TD Savings Account, and an eligible new TD Credit Card (the "Bundle Offer"), keeping all accounts open & active for 90 days and completing the required activities within the specified timelines:
1. Open an eligible New Student Chequing Account
- Open a New Student Chequing Account between June 30, 2026 and November 2, 2026, and
2. Open an eligible New Savings Account and complete one activity
- Open a New Savings Account by November 2, 2026.
- Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of opening the New Savings Account:
i. Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
ii. Set up Simply Save.
3. Open an eligible New TD Credit Card
- Apply, be approved for, and open a new TD Cash Back Visa* Card or a TD Rewards Visa* Card (a "New TD Credit Card") by November 2, 2026.
- The New TD Credit Card must be kept open, active and in good standing for at least 90 days from the date of opening.
Regular transaction fees may apply, see About Our Accounts and Related Services for more information.
Eligibility Restrictions
The Bundle Offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 29, 2026;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2025 ;
- Customers who open a New Student Chequing Account or a New TD Savings Account on or after June 30, 2026, but change the account to a type other than the TD Student Chequing Account or a different TD Savings account than the one opened initially before this offer is fulfilled;
- Customers who already have an existing TD Savings Account as of June 29, 2026;
- Customers who had a TD Savings Account that was closed on or after November 6, 2025;
- Customers who received any Savings Account offer from TD from 2023 to 2026, excluding the 2026 TD Student Savings Account offer;
- Customers who received any Chequing Account offer from TD from 2023 to 2026, excluding the 2026 TD Student Savings Account Offer;
- TD staff members or any TD customers who have a joint account with a TD staff member.
- Customers who are a Primary Cardholder of a personal TD Credit Card as of June 29, 2026.
- Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
For any New Savings Account or New Student Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements
Fulfillment:
The Bundle Offer will be deposited to the New Student Chequing Account within 12 weeks after all required conditions have been met, provided that the New Student Chequing Account, the New Savings Account, and New TD Credit Card are still open, in good standing, and all conditions continue to be met at the time of fulfillment. Limit of one Bundle Offer per customer.
∞ Complimentary Uber One Membership and 20% off Uber One offer
These complimentary Uber One monthly membership terms and conditions (“Complimentary Membership Terms”) and the 20% off Uber One membership terms and conditions (“20% Discount Terms”), together with the Terms and Conditions for Renewable Passes and Uber Terms of Use, Privacy Policy, Uber’s Community Guidelines and Uber Cash Purchase Agreement (collectively, the “Uber Terms”) incorporated therein, govern the enrollment and use of the limited time complimentary Uber One monthly membership (which has a current Pass Rate, as such term is defined in the Uber Terms, of $9.99/ month, plus taxes for a standard monthly plan or $4.99/month, plus taxes for an Students monthly plan) of 3 or 6 consecutive months (based on Eligible Card type as shown in the offer presented by Uber) (“Complimentary Membership”) and the 20% discount off the Uber One monthly Pass Rate (the “20% Discount”) offered by Uber Portier Canada Inc. (together with its parent, subsidiaries and affiliates) (collectively, “Uber”). In the event of any conflict between these Complimentary Membership Terms and 20% Discount Terms and the Uber Terms, these Complimentary Membership Terms and 20% Discount Terms shall govern in relation to the subject matter of these Complimentary Membership Terms and 20% Discount Terms contained herein. Subject to the foregoing, any undefined capitalized term used in these Complimentary Membership Terms or 20% Discount Terms will have the meaning set forth in the Uber Terms. Please fully review these Complimentary Membership Terms, 20% Discount Terms and Uber Terms carefully to understand this offer.
Uber will only present Eligible Cardholders with the best available Complimentary Membership based on all Eligible Cards in their Uber Wallet and/or, for Discount Eligible Cardholders (defined below), the 20% Discount offer based on all Discount Eligible Cards in their Uber Wallet.
If an Eligible Cardholder is also a Discount Eligible Cardholder and therefore eligible for both the Complimentary Membership and the 20% Discount offer, Uber will present such Eligible Cardholder/Discount Eligible Cardholder with both offers, and, if they enroll, such Eligible Cardholder/Discount Eligible Cardholder will participate in both the Complimentary Membership and the 20% Discount.
Section 1: Complimentary Membership Terms
- Eligibility
The Complimentary Membership is only available to those individuals (each, an “Eligible Cardholder”) who are (a) primary and additional cardholders of the TD® Aeroplan® Visa Platinum* Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa* Business Card, TD® Aeroplan® Visa Infinite Privilege* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD Business Travel Visa* Card, TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Business Cash Back Visa* Card, or (b) account holders of a TD Student Chequing Account set as the primary (default) account and accessible through a linked TD Access Card with Visa (each of the cards listed in (a) and (b) are referred to as, an “Eligible Card”), with an Eligible Card account that (i) is open, (ii) has active charging privileges, and (iii) is not lost, stolen, or fraudulent ("in Good Standing") and (b) who do not have an active Uber One membership at the time they receive the Complimentary Membership offer. Eligible Cardholders are only entitled to: (A) enroll in the Complimentary Membership offer one time during the Enrollment Window (defined below); and (B) redeem the Complimentary Membership offer on one Uber account. If an Eligible Card is added to multiple Uber accounts, only the first Uber account to redeem the offer will be entitled to the Complimentary Membership.
If you add a new Eligible Card to your Uber App or Uber Eats App during the Enrollment Window, you will still only have access to one (1) Complimentary Membership per Uber account and the Complimentary Membership offer will still expire at the end of the original Complimentary Membership Benefit Window (defined below) from the date you first enrolled in the Complimentary Membership offer.
For avoidance of doubt, Eligible Cards added to an Eligible Cardholder's Uber account through a third party such as Apple Pay or PayPal will not qualify and will not be eligible for the Complimentary Membership offer.
This Complimentary Membership offer is only available to persons who are the age of majority (i.e., the age at which a person is legally considered an adult) in the province or territory where they reside.
The list of Eligible Cards may be amended at any time without notice.
- Enrollment and Participation
To participate in the Complimentary Membership offer, an Eligible Cardholder of an Eligible Card in Good Standing must enroll (a "Complimentary Participating Cardholder" or "you") any time prior to 11:59 PM ET on April 15, 2029 (the "Enrollment Window"). Attempted enrollment outside the Enrollment Window will not qualify for a Complimentary Membership. Once enrolled in the Complimentary Membership, a Complimentary Participating Cardholder will not be charged the monthly Pass Rate for their Complimentary Membership for 3 or 6 consecutive months (based on Eligible Card type as shown in the Complimentary Membership offer presented by Uber) (the "Complimentary Membership Benefit Window").
To enroll in a Complimentary Membership, an Eligible Cardholder must: (i) download or update to the latest version of the Uber App or Uber Eats App; (ii) once the app is downloaded or updated, the Eligible Cardholder must sign into their existing Uber account or sign up to create a new Uber account; (iii) during the Enrollment Window, add an Eligible Card (or already have an Eligible Card) as a method of payment in their Uber account; (iv) be presented with the Complimentary Membership offer in the Uber App or Uber Eats App; and (v) signify acceptance of the offer by following the activation instructions accompanying the Complimentary Membership offer.
Once these steps are fully completed, an Eligible Cardholder will be enrolled as a Complimentary Participating Cardholder in a Complimentary Membership.
For Eligible Cardholders who have a net new Eligible Card, please allow up to 10 days for the applicable Complimentary Membership offer to be presented to you after you have added your Eligible Card as a method of payment in your Uber account.
For Eligible Cardholders who transfer to an Eligible Card, please allow up to 40 days for the applicable Complimentary Membership to be presented to you in your Uber account.
To use the Complimentary Membership and access its benefits ("Pass Benefits"), the associated Eligible Card must be in Good Standing.
Pass Benefits only apply for eligible deliveries and trips purchased with an Eligible Card. To receive the Pass Benefits, you must use the Eligible Card used to enroll in the Complimentary Membership offer for purchasing eligible deliveries or trips in Canadian cities where Uber Eats or Uber Rides is available. It may take up to 48 hours for the Complimentary Membership to be available for use after enrollment.
If, during their Complimentary Membership Benefit Window, a Complimentary Participating Cardholder transfers their Eligible Card to another Eligible Card, or their Eligible Card expires or is replaced for any reason (e.g., lost, stolen, or damaged), or their Eligible Card details change, their Complimentary Membership will continue for the duration of that Complimentary Membership Benefit Window. If for any reason an Eligible Card must be replaced, the new Eligible Card must be added as a payment method to continue participation in the Complimentary Membership. The Complimentary Membership will still expire at the end of the original Complimentary Membership Benefit Window from the date a Complimentary Participating Cardholder first enrolled in the Complimentary Membership offer.
If you choose to opt out of your Complimentary Membership prior to the end of your Complimentary Membership Benefit Window by turning off the auto-renew functionality in the Uber App or Uber Eats App, you will cease participating in the offer and your Complimentary Membership will be canceled at the end of your Complimentary Membership Benefit Window. If you cancel or remove your Eligible Card from your Uber account, but do not cancel your Complimentary Membership, you will be charged the then current Pass Rate (currently $9.99/month plus taxes or $4.99/month, plus taxes for an Students monthly plan) on an active payment method in your Uber Wallet at the end of your Complimentary Membership Benefit Window. If there are no payment methods available, your Uber One subscription will be cancelled at the end of your Complimentary Membership Benefit Window.
- Automatic Monthly Renewal
When you enroll in the Complimentary Membership, you understand that you are subscribing to Uber One, an automatic monthly renewal subscription. Until cancelled, your subscription will automatically renew each month in accordance with the Terms and Conditions for Renewable Passes and you agree that, at the end of your applicable Complimentary Membership Benefit Window, the selected payment method in your Uber App or Uber Eats App will be auto-billed at the then current Pass Rate (currently $9.99/month, plus taxes for a standard monthly plan or $4.99/month, plus taxes for an Students monthly plan) and will continue to be auto-billed at that Pass Rate until you elect to cancel your Renewable Pass. This means that at the end of your applicable Complimentary Membership Benefit Window Uber will collect the then current Pass Rate by charging the selected payment method that Uber has on record in the Uber App or Uber Eats App. Uber will notify you at least 30 days prior to the last day of your Complimentary Membership Benefit Window that your Complimentary Pass will automatically renew on the last day of your Complimentary Membership Benefit Window, unless you take steps to cancel your Complimentary Membership prior to such date in the manner described in the next paragraph.
You may confirm the date of your renewal within the Account Management Hub of the Uber One Pass section in the Uber App or Uber Eats App. If you want to cancel your subscription, you may do so within the Account Management Hub of the Uber One Pass section in the Uber App or Uber Eats App up to 48 hours before your next scheduled payment. If you want to cancel within 48 hours of your next scheduled payment, please contact Uber support.
Section 2: 20% Discount Terms
- Eligibility
The 20% Discount offer entitles a Discount Eligible Cardholder (defined below) of a Discount Eligible Card (defined below) in Good Standing to receive a 20% discount off the current Pass Rate (currently, $9.99/month for a standard monthly plan or $4.99/month, plus taxes for an Students monthly plan) of a monthly Uber One membership until the earlier of the cancellation of the Uber One membership and October 15, 2029 (the "Discount Period"). The 20% Discount offer is only available to those individuals (each, a “Discount Eligible Cardholder”) who are (a) primary and additional cardholders of TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa* Business Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD First Class Travel® Visa Infinite* Card, TD Business Travel Visa* Card, TD Cash Back Visa Infinite* Card, TD Business Cash Back Visa* Card, or (b) account holders of a TD Student Chequing Account set as the primary (default) account and accessible through a linked TD Access Card with Visa (each of the cards listed in (a) and (b) are referred to as, a “Discount Eligible Card”), with a Discount Eligible Card account that is in Good Standing.
Discount Eligible Cardholders are only entitled to redeem the 20% Discount offer on one Uber account. If a Discount Eligible Card is added to multiple Uber accounts, only the first Uber account to redeem the offer will be entitled to the 20% Discount. The 20% Discount only applies to monthly membership plans. Discount Eligible Cardholders who elect to pay for an Uber One membership at the annual Pass Rate will not be eligible for the 20% Discount.
For avoidance of doubt, Discount Eligible Cards added to a Discount Eligible Cardholder’s Uber account through a third party such as Apple Pay or PayPal will not qualify and will not be eligible for the 20% Discount.
This 20% Discount offer is only available to persons who are the age of majority (i.e., the age at which a person is legally considered an adult) in the province or territory where they reside.
The list of Discount Eligible Cards may be amended at any time without notice.
- Enrollment and Participation
To participate in the 20% Discount offer, a Discount Eligible Cardholder of a Discount Eligible Card in Good Standing must enroll (a “Discount Participating Cardholder” or “you”) any time during the Enrollment Window. Attempted enrollment outside the Enrollment Window will not qualify for the 20% Discount. Once enrolled in the 20% Discount, a Discount Participating Cardholder will receive an ongoing monthly discount of 20% off the then current Pass Rate (currently $9.99/month, plus taxes for a standard monthly plan or $4.99/month, plus taxes for an Students monthly plan) of a monthly Uber One membership and will continue to receive the 20% discount off the then current Pass Rate of a monthly Uber One membership each month during the Discount Period. For existing Uber One members, your 20% Discount off the then current Pass Rate of a monthly Uber One membership will take effect on your next billing cycle.
To enroll in a 20% Discount offer, a Discount Eligible Cardholder must: (i) download or update to the latest version of the Uber App or Uber Eats App; (ii) once the app is downloaded or updated, the Discount Eligible Cardholder must sign into their existing Uber account or sign up to create a new Uber account; (iii) during the Enrollment Window, add a Discount Eligible Card (or already have a Discount Eligible Card) as a method of payment in their Uber account; (iv) be presented with the 20% Discount offer in the Uber App or Uber Eats App; and (v) signify acceptance of the 20% Discount offer by following the activation instructions accompanying the offer.
For Discount Eligible Cardholders who have a net new Discount Eligible Card, please allow up to 10 days for the 20% Discount offer to be presented to you after you have added your Discount Eligible Card as a method of payment in your Uber account.
For Discount Eligible Cardholders who transfer to a Discount Eligible Card, please allow up to 40 days for the 20% Discount offer to be presented to you in your Uber account.
If you transfer to another Discount Eligible Card or your Discount Eligible Card expires or is replaced, or your card details change, you may need to remove your previous payment card and add your new Discount Eligible Card details to continue enrollment in the 20% Discount. If your payment card details change and you do not update your new Discount Eligible Card details prior to your next billing cycle, you will be unenrolled from the 20% Discount, and you will be charged the then-current Pass Rate (currently, $9.99/month, plus taxes for a standard monthly plan or $4.99/month, plus taxes for Students monthly plan). Once you update your Discount Eligible Card details in the Uber App or Uber Eats App, you will need to re-enroll to continue to receive the 20% Discount.
When the 20% Discount starts applying to a Discount Participating Cardholder's Uber account, Pass Benefits only apply for eligible deliveries and trips purchased with a Discount Eligible Card. To receive the Pass Benefits, you must use the Discount Eligible Card used to enroll in the offer(s) for purchasing eligible deliveries or trips in Canadian cities where Uber Eats or Uber Rides is available. At the time of use, your Discount Eligible Card must be in Good Standing.
- Automatic Monthly Renewal
When you enroll in the 20% Discount offer, you understand that you are subscribing to Uber One, an automatic monthly renewal subscription. Until canceled, your subscription will automatically renew each month in accordance with the Terms and Conditions for Renewable Passes and you agree that, as a Discount Participating Cardholder, the selected payment method in your Uber App or Uber Eats App will be auto-billed at a rate of 20% off the then current Pass Rate (currently $9.99/month for a standard monthly plan or $4.99/month, plus taxes for an Students monthly plan) plus taxes during the Discount Period and thereafter at the full then current regular monthly plan Pass Rate and will continue to be auto-billed at the applicable monthly plan Pass Rate until you elect to cancel your Renewable Membership. This means that Uber will collect the then current Pass Rate of a monthly Uber One membership minus the 20% Discount, plus taxes, during the Discount Period and the then current monthly plan Pass Rate, plus taxes, thereafter by charging the selected Discount Eligible Card as your payment method that Uber has on record in the Uber App or Uber Eats App. Uber will notify you at least 30 days prior to the last day of your Discount Period that your 20% Discount will end and you will thereafter be charged the full then current Pass Rate for a monthly Uber One membership, unless you take steps to cancel your Uber One membership prior to the last day of the Discount Period in the manner described in the next paragraph.
You may confirm the date of your renewal within the Account Management Hub of the Uber One section in the Uber App or Uber Eats App. If you want to cancel your Uber One membership, you may do so within the Account Management Hub of the Uber One section in the Uber App or Uber Eats App up to 48 hours before your next scheduled payment. If you want to cancel within 48 hours of your next scheduled payment, please contact Uber support.
If you cancel your Uber One membership in accordance with the Terms and Conditions for Renewable Passes in the Uber App or Uber Eats App your participation in this 20% Discount offer will cease and your 20% Discount will be canceled at the end of the current month. If you cancel or remove your Discount Eligible Card from your Uber account but do not cancel your Uber One membership, your participation in this 20% Discount offer will cease and your 20% Discount will be canceled at the end of the current month. You will be charged the then current Pass Rate (currently $9.99/month plus taxes for a standard monthly plan or $4.99/month, plus taxes for Students monthly plan) on an active payment method in your Uber Wallet. If there are no payment methods available, your Uber One subscription will be cancelled at the end of the billing cycle.
- Termination
Uber may terminate the 20% Discount at any time by giving you 30 days’ advance notice. Your 20% Discount will be terminated at the end of the 30 days’ notice, and your subscription will automatically renew each month in accordance with the Terms and Conditions for Renewable Passes. In such a case, you agree that, as a Discount Participating Cardholder, the selected payment method in your Uber App or Uber Eats App will be auto-billed at the then current Pass Rate (currently $9.99/month plus taxes for a standard monthly plan or $4.99/month, plus taxes for Students monthly plan) and will continue to be auto-billed at that rate until you elect to cancel your Renewable Membership.
Section 3: Privacy
By enrolling in either of the Complimentary Membership offer or the 20% Discount offer, you understand that Uber will share personal data with TD about you in order to promote and/or enable the Complimentary Membership offer and/or the 20% Discount offer. The shared data will be protected in accordance with Uber’s Privacy Notice and TD’s Privacy Policy. The sharing will continue as long as you are enrolled in either offer. If you no longer participate in either offer, the sharing of data will stop, except for data relating to eligibility and enrollment status.
Section 4: General Terms
In this section 4, “Offer Eligible Card” means Eligible Card and Discount Eligible Card.
Unless required by law or otherwise specified, the Complimentary Membership Terms, 20% Discount Terms and the Uber Terms (including the Terms and Conditions for Renewable Passes) are subject to change at any time without notice to you. Neither The Toronto-Dominion Bank nor any of its affiliates has any liability or responsibility for any such changes. Fulfillment of the Complimentary Membership and 20% Discount offers is the sole responsibility of Uber. For purposes of fulfilling these offers, you understand and agree that Uber and the payment card network of the Offer Eligible Cards will share certain information about your Offer Eligible Card, including (but not limited to) the Offer Eligible Card type and updated Offer Eligible Card information and activation status, as may be necessary to confirm your offer eligibility. Any information provided directly by you to Uber or that Uber obtains about you as an Uber user or participant in the Complimentary Membership and/or 20% Discount offer(s) will be subject to Uber’s Privacy Policy and the Uber Terms. Neither The Toronto-Dominion Bank nor any of its affiliates have any liability or responsibility for the products, goods or services offered or made available or purchased using a Complimentary Membership, monthly Uber One membership subject to a 20% Discount or an Uber account.
To learn more about Uber One, please visit the Uber landing page.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Banking services are offered by The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
Interac e-Transfer® is a registered trademark of Interac Corp. Used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
The Toronto-Dominion Bank is the issuer of the TD Cash Back Visa* Card.
Visa* is a registered trademark of Visa International Service Association, used under license.
The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
New to Canada Banking Package – Terms & Conditions
(Valid June 4, 2026 until October 1, 2026)
1 Value of up to $1,790 in welcome bonuses, savings and benefits is calculated as follows:
1. TD Unlimited Chequing Account Rebate Offer3: Earn up to $215.40 in account fee savings when you open a new TD Unlimited Chequing Account (“New Chequing Account”) and completing the qualifying criteria as set out in the offer3. This value is based on $17.95 monthly account fee rebate for the first 12 months.
2. TD Unlimited Chequing Account Cash Offer4: Earn $500 in cash when you open a TD Unlimited Chequing Account (“New Chequing Account”) by October 1, 2026 and complete the qualifying criteria described in the TD Unlimited Chequing Account Offer below4.
3. TD Savings Account – Earn 4.00% Bonus Interest Rate for 90 Days Offer5: Earn an additional 4% Bonus Savings Interest Rate for 90 days ($100 in estimated value) when a New Chequing Account customer opens a new TD Every Day Savings Account, TD Growth™ Savings Account, or TD ePremium Savings Account (each a "New Savings Account") within 30 days of the New Chequing Account opening and completes the qualifying criteria described in the TD Savings Account – Earn 4.00% Bonus Interest Rate for 90 Days Offer below5. The estimated value of $100 in bonus interest is based on a $10,139 daily closing balance earning the Bonus Interest Rate during the 90-day Bonus Rate period. Actual Bonus Interest earned may be higher or lower depending on the balance size and account activity.
4. TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer6: Earn up to $524 in value7, including up to 20,000 Aeroplan points6,8 and no Annual Fee for the first year6. Conditions Apply7. Account must be opened by October 1, 2026.
5. TD Global Transfer Offer12: Estimated value of $105 is based on seven Western Union® Money TransfersSM for 12 months using TD Global Transfer at a fee of up to $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other third-parties involved in transferring the money may charge additional fees to the recipient of the funds.
6. TD Direct Investing Offer13: Earn up to $200 in value when you enroll in the TD New to Canada Banking Package and open a new TD Direct Investing Account. $200 is based on the combined total value of:
o Up to $100 in value from 10 commission-free trades (Up to $9.99 per trade).
o Up to $100 in the first year of maintenance fees rebated.
o Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory at time of opening new account. This offer begins on June 4, 2026 and ends on October 1, 2026. Please see the complete terms and conditions below for eligibility.
7. Bundle Offer14: Earn $150 in cash when a New Chequing Account customer opens a New Savings Account AND applies and is approved for a new TD Credit Card14, and completes the qualifying criteria described in the Bundle Offer below14.
All amounts are in Canadian dollars. Other conditions may apply.
2 For all New to Canada Banking Package offers, you must first qualify for the package by following these steps:
1. Visit a TD branch and let us know that you are a newcomer in Canada, which means you are a Permanent Resident or Temporary Resident of Canada for 5 years or less.
2. Provide proof of your status through your:
· Permanent Resident Card,
· Confirmation of permanent residence (e.g., IMM Form 5292), or
· Temporary Permit (e.g., IMM Form 1442, 1208, 1102)
3. And provide 1 of the following pieces of personal identification:
· Valid passport
· Canadian driver’s license
· Government of Canada identification card
Other proof of residency or personal identification may be accepted or required at our discretion.
Eligibility Restrictions:
· You must be the age of majority at time of account opening in your province or territory of residence to be eligible for the New to Canada Banking Package.
· Customers who are tourists or visitors (visitor visa/permit) are not eligible for the New to Canada Package.
We reserve the right to change, extend or withdraw this offer at any time.
3 TD Unlimited Chequing Account Rebate Offer: A TD Unlimited Chequing Account (“New Chequing Account”) must be opened to qualify for the monthly account fee rebate. The monthly account fee will only be rebated for the first 12 months that the New Chequing Account is open and is limited to one account per person and the type of chequing account cannot change during the 12-month period. The monthly account fee rebate only applies to the regular/pro-rated monthly fee; all other fees will continue to apply. If the minimum monthly balance is maintained in the New Chequing Account in any given month during the first 12 months that the account is open and the monthly account fee is not charged, no monthly account fee rebate will be applied for that month. For details on fees, please see: http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp
4 TD Unlimited Chequing Account Cash Offer: The TD Unlimited Chequing Account Offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. Eligible customers can earn $500 in cash by opening a new TD Unlimited Chequing Account ("New Chequing Account") and completing the required activities:
1. Open a New Chequing Account
A New Chequing Account must be opened between June 4, 2026 and October 1, 2026.
2. Complete Any Two of the Following Activities
To qualify, any two of the following activities must be completed, with the related transactions posted to your account by December 2, 2026:
i. Receive a recurring Direct Deposit from an employer, pension provider or the Government. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
ii. Make an Online Bill Payment of at least $50 through TD EasyWeb or the TD app.
iii. Have a recurring Pre-Authorized Debit of at least $50 come out of your account. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-authorized Debit
Eligibility Restrictions:
This offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
- Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who received any Chequing Account offers from TD in 2024, 2025, 2026; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
· The $500 cash will be deposited into the New Chequing Account within 12 weeks after all required conditions have been met.
At the time of fulfillment, the New Chequing Account must:
· Must still be open, in good standing, and all conditions continue to be met; and
· The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, before the cash offer is deposited into the New Chequing Account.
Additional Terms & Conditions:
· For any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
· Limit of one $500 cash offer (TD Unlimited Chequing Account Offer) per New Chequing Account and per customer.
· We can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product.
For information about Chequing Account transactions and a complete list of account fees, see About Our Accounts and Related Services.
5 TD Savings Account – Earn 4.00% Bonus Interest Rate for 90 Days Offer:
Eligible customers can earn an additional 4% Bonus Interest Rate for 90 days on deposits in a new TD Savings Account – on any balances up to $1,000,000. The TD Savings Account Offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. To qualify, you must:
1. Open a New Chequing Account
Open a New Chequing Account between June 4, 2026 and October 1, 2026, and
2. Open a New Savings Account
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") within 30 days of the New Chequing Account opening;
3. Deposit Funds to Earn an Additional 4.00% Bonus Interest Rate for 90 Days
The account will earn a Bonus Savings Interest Rate of 4.00% per annum on any balances up to $1,000,000 for 90 days in addition to the current applicable posted interest rate for the selected TD Savings Account. The Bonus Savings Interest Rate will be applied to the New Savings Account commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter (“Promotional Period”), subject to the limitations below.
· The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account.
· The Bonus Savings Interest Rate is an annual interest rate. It is calculated each day, based on the Daily Closing Balance on that day, and paid monthly.
· After the Promotional Period ends, only the posted interest rate will apply.
· For the current posted interest rates, interest calculations, and information about Daily Closing Balance, see About Our Interest Calculations.
Eligibility Restrictions
This offer is not available to:
· Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;
· Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
· Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
· Customers who already have a TD Savings Account as of June 3, 2026;
· Customers who had a TD Savings Account that was closed on or after June 4, 2025;
· Customers who received any TD Savings Account offer from TD in 2024, 2025, 2026; or
TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
· The Bonus Savings Interest Rate and posted interest rate will be credited separately in the New Savings Account monthly for a period of 90 days, provided that the New Chequing Account and the New Savings Account are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Additional Terms & Conditions:
· For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements.
· If the New Savings Account plan type is changed during the Promotional Period (for example, from a TD Every Day Savings Account to a TD Growth Savings Account), the New Savings Account will no longer be eligible to receive the Bonus Savings Interest Rate.
· There may be tax implications associated with the Bonus Savings Interest. Customers should consult with their personal tax advisor for more information.
· Interest rates may change without notice.
· We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
6 TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer:
Interest rates, fees and features are effective as of June 4, 2026 unless otherwise indicated and are subject to change.
This Offer starts on June 4, 2026 and ends October 1, 2026 (the "Offer Period"). To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Platinum* Card account (“Account”) by October 1, 2026, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business) in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 10,000 bonus Aeroplan points ("Additional Bonus"), if $1,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 90 days of Account opening and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card by October 1, 2026 and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account by October 1, 2026. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
7 Offer ends October 1, 2026. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:
- $124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year;
- $400: 20,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card.
- Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,500 within 90 days of Account opening.
Value is based on the majority of current Aeroplan Cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 1, 2025. Redemption calculation is based on actual flight redemptions made by Cardholders between the period of Nov 8, 2020 – Sept 1, 2025.
8 Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html/. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in Good Standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions). For more information about the Aeroplan Expiry policy please visit aircanada.com/aeroplan-inactivitypolicy.
9 TD Cash Back Visa* Card Offer Terms & Conditions:
Annual interest rates, fees and features are current as of June 4, 2026 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on June 4, 2026 and ends October 1, 2026 ("Offer Period") and is only available to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by October 1, 2026. You may qualify to earn up to a total value of $150 through this Offer:
Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $150 in Cash Back Dollars when you spend $1,500+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $150 Cash Back Dollar to the TD Cash Back Visa* Card, you must make $1500 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.
New to Canada Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card as part of the New to Canada Banking Package. The up to $150 Cash Back Dollar offer is available to New to Canada customers, who:
1. Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
2. Does not have an existing TD Credit Card Account.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
12 TD Global Transfer Offer Terms & Conditions: The New to Canada TD Global Transfer offer is available to individuals who meet the eligibility of the New to Canada Banking Package and open a TD Unlimited Chequing Account (“the New Chequing Account”). Starting the month the New Chequing Account is opened, Western Union® Money TransferSM fees charged to the New Chequing Account will be credited back to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, up to a 12-month period. Only transfers completed from the New Chequing Account using the following transfer methods are eligible for the offer:
(i) Western Union® Money TransferSM
The Western Union® fee amount is dependent on the amount sent. The New Chequing Account must remain open and in good standing to be eligible for this offer.
Foreign exchange and other third-party fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/accounts-fees.
For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
13 TD Direct Investing Offer Terms and Conditions: New TD Direct Investing clients can earn up to 10 free trades (up to $9.99 per trade) and have maintenance fees rebated for the first year (up to $25 per calendar quarter). This offer begins on June 4, 2026 and ends on October 1, 2026. Please see the complete terms and conditions below for eligibility.
How to Qualify for the Offer:
1. Must be enrolled in the New to Canada Banking Package. Confirm enrollment by visiting a TD Canada Trust branch or by calling EasyLine at 1-866-222-3456.
2. Must be a new TD Direct Investing client when opening a NEW TD Direct Investing account ("New Account") by October 1, 2026.
3. Must be the age of majority in their province or territory at time of account opening.
4. Must be a legal resident of Canada.
Eligible "Accounts" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder) 20
- Tax-Free Savings Account (TFSA) 17
- Registered Retirement Savings Plan (RRSP)17
- First Home Savings Account (FHSA)17
Accounts not eligible for the Offer:
- All other TD Direct Investing account types are not eligible
- TD Easy Trade™ accounts
Free Trade Details:
- The 10 commission-free trades are available during the initial twelve months after the account is opened.
- Canadian trade commissions will be rebated to a maximum of $9.99/trade CAD; Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
- Rebates apply only to self-serve online trades for full or partial share trades; phone trades with an Investment Representative are excluded. Commission rebates cover Canadian and U.S. equity, ETF, and option trades with commission charges. For options, only the flat commission is rebated; per-contract fees still apply. Fixed income, mutual funds, trades outside U.S./Canada markets, and new issues do not qualify for this offer.
- TD Direct Investing applies commission rebates for eligible trades to new Accounts by the last business day of each month, beginning the month after Account opening. If the last day falls on a holiday, rebates are processed within the next two business days.
Maintenance Fee Rebate Details:
- Should a quarterly maintenance fee be charged, the fee will be reimbursed on a quarterly calendar basis (up to $25 per quarter) during the first year following the Account opening.
Further Terms and Conditions:
- This offer may not be combined with any other promotions, except as expressly stated in the terms and conditions of those offers.
- Employees of TD Bank Group are not eligible for this offer.
- This offer may be changed, extended or withdrawn at any time without notice.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- The Offer is not transferable.
14 Bundle Offer:
The $150 cash offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. Eligible customers can earn $150 in cash by bundling a New Chequing Account with a New Savings Account and an eligible new TD Credit Card, and completing the required activities within the specified timelines:
1. Open a New Chequing Account
Open a New Chequing Account between June 4, 2026 and October 1, 2026, and
2. Open a New Savings Account and Complete One Activity
· Open a New Savings Account within 30 days of opening the New Chequing Account; and
· Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of the New Chequing Account opening:
i. Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
or
ii. Set up Simply Save.
3. Open a New Eligible TD Credit Card
· Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (a "New TD Credit Card") within 30 days of the New Chequing Account opening.
The New TD Credit Card must be kept open, active and in good standing for at least 60 days from the date of opening.
Eligibility Restrictions
This offer is not available to:
· Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;
· Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
· Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
· Customers who already have an existing TD Savings Account as of June 3, 2026;
· Customers who had a TD Savings Account that was closed on or after June 4, 2025;
· Customers who received any Savings Account offer from TD in 2024, 2025, 2026; or
· TD staff members or any TD customers who have a joint account with a TD staff member.
· Customers who are a Primary Cardholder of a personal TD Credit Card as of June 3, 2026.
· Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
Fulfillment:
· The $150 cash offer will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account, the New Savings Account and New TD Credit Card are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Additional Terms & Conditions:
· For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
· Maximum of one $150 cash offer (Bundle Offer) per New Savings Account and New Eligible TD Credit Card.
· Limit of one $150 cash offer per customer.
· We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
15 The TD app and the TD MySpend app are free to download; however standard wireless carrier message and data rates may apply.
16 You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.
17 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
20Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. An investment strategy that uses borrowed money could result in far greater losses than an investment strategy that does not use borrowed money.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
Visa* is a registered trademark of Visa International Service Association, used under license.
* Trademark of Visa Int., used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.
Trademark of Visa International Service Association and used under license.
® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
TD Direct Investing 2025 Partial Share Trades Rebate Offer
Eligibility: This offer is exclusively available to the client to whom it has been directly extended. It is non-transferable and cannot be shared, distributed, or redeemed by any other individual. Only the intended recipient of this offer, "Eligible Client", is eligible to participate.
- An Eligible Clients must be an existing TD Direct Investing client as of July 1st, 2025. Any client who becomes a TD Direct Investing client after this date is not eligible.
- An Eligible Client must be a Canadian resident of age of majority in their province or territory as of July 1st, 2025
- Only trades containing a partial share will be eligible.
- Only partial share trades made between July 1st and September 30th, 2025, will be eligible for a rebate. Eligible trade types include equities and ETFs that are available1 for partial share trading.2
- This offer is not available through TD Easy Trade™ or TD Active Trader.
- Eligible account types in which partial shares are available are listed below. This includes the Canadian dollar or U.S. dollar component of the account.
o Cash account
o Margin account
o Registered Disability Savings Plan (RDSP)
o Registered Education Savings Plan (RESP)
o Retirement Income Fund (RIF) and Spousal RIF
o Retirement Savings Plan (RSP) and Spousal RSP
o Tax-Free Savings Account (TFSA)
Details of the offer:
- Eligible Clients are being offered 10 free partial share trades placed between July 1st and September30th, 2025 in the form of a rebate.
- Registration for this offer is not required. All Eligible Clients who have been extended this offer will automatically be enrolled.
- Eligible Clients will receive a 100% rebate on all "partial share" trade commissions charged3 from July 1st, 2025, and until September 30th, 2025, up to a maximum of 10 trades.
- 100% rebate will automatically be credited to the same account in which trades were placed each month by the 15th day of the following month.
- All trade rebate amounts will be 100% of the current applicable commission rate4. This includes clients who are currently eligible for Active Trader pricing.
- Once registered, Eligible Clients will receive rebates for eligible trades placed in any of their TD Direct Investing accounts until September 30, 2025, up to a maximum of 10 trades per Eligible Client.
1 Only stocks and exchange-traded funds (ETFs) that are eligible for partial share trading are included in this offer. Not all securities are available for partial share trading. Eligibility is determined based on various factors and may change without prior notice.
2 In WebBroker, you can see the list of eligible securities in the main menu under Trading > Buy / Sell > Fractional Stocks & ETFs.
3Trades must be filled during the campaign period for the commission to be rebated. Orders placed that have not been filled are not rebate eligible.
4 Commissions and interest rates are subject to change without notice. All other rates and fees are subject to change upon 60 days prior notice. For the most current schedule of rates and fees refer to the Commission Schedule and Statement of Disclosure of Rates & Fees.
Terms of rebate:
- The rebate will be paid in the currency of the account that the trades were placed in up to maximum of $9.99 per trade.
- The rebate will only be credited for commissions charged on eligible Partial Share trades. For example, if an Eligible Client completes a trade of 10 shares and pays $9.99 commission, no rebate will be credited. If an Eligible Client completes a trade of 10.5 shares and pays $9.99 commission, they will receive a rebate of $9.99 for that trade. In addition, partial share trades of less than 1 full share which are priced at $1.99 will also be rebated 100%. Additional examples include dollar-based investing that includes partial shares.
- Once the campaign period has come to an end, partial share trades will no longer be eligible to receive a commission rebate.
- If an Eligible Client exceeds 10 partial share trades within the campaign period, subsequent partial share trades will no longer be eligible to receive a commission rebate.
Further Terms and Conditions:
To be eligible to receive a commission rebate, the Eligible Client must keep the account open and in good standing with TD Direct Investing until the time the rebate is paid to the account. Good standing requires that the Account must not go into a debit position or a margin call. Debit positions on margin accounts are acceptable.
- To receive the rebate, an Eligible client must keep the Account open and in good standing until the rebate payout date. This requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for this offer.
- This offer may be changed, extended, or withdrawn at any time without notice.
- The offer is not transferrable.
- The Offer cannot be used in conjunction with any other TD Direct Investing trade offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- There may be tax implications associated with the rebate. Clients should consult with their personal tax advisor for more information. For registered plans, the rebate is paid directly to the plan and is not considered a contribution.
- A joint account refers to cash or margin accounts that have more than one owner. The rebate is paid in full into the joint account and does not get allocated to each joint account owner. TD Direct Investing is not responsible for how the rebate is distributed amongst joint account owners once the award is paid out.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
TD Direct Investing and TD Easy TradeTM 2025 Summer Offer (the “Offer”)
TD Direct Investing and TD Easy Trade™ clients can earn a $50 cash reward and a 10% deposit match after setting up a Pre-Authorized Deposit ("PAD") or Monthly Contribution Plan ("MCP"). This Offer is available starting August 1, 2025, and ends on September 5, 2025 ("Qualifying Period").
Eligibility: New or existing TD Direct Investing and TD Easy Trade™ clients who open a new account(s) are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single account holder only)
- Margin (single account holder only)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Registered Education Savings Plan (single account holder) (RESP)2
Account(s) not eligible for the Offer:
- Any non-personal accounts
- Joint accounts
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
- Corporate Account
- Retirement Income Fund (RIFs)1
- Life Income Fund (LIF)1
- Registered Disability Savings Plan (RDSP)1
- First Home Savings Account (FHSA)1
To be eligible for the Offer, a client must:
- Open a new TD Direct Investing or TD Easy Trade™ account.
- Fund within 30 days of new Account(s) open date.
- Be the age of majority in their province or territory by September 5, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the $50 Reward:
1. Open a new Account(s) using the promo code SUMMER2025 or ETE2025 by September 5, 2025.
a. If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
2. Transfer $1,000 or more in investable assets or cash from a TD Canada Trust (TDCT) account or one or more other financial institution(s) ("Qualifying Assets") within 30 days of opening the new Account(s).
a. Transfers originating from TD Direct Investing, TD Easy Trade™, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
c. Assets transferred into the Account(s) after the funding deadline will not form part of the Qualifying Assets.
d. The market value of investable assets at the time of deposit will be used to determine the Qualifying Assets.
3. Set up at least one PAD/MCP in the new Account(s) by September 30, 2025. The minimum PAD/MCP must be $50 per month.
4. Receive a $50 cash reward for setting up the PAD/MCP by November 15, 2025.
a. The maximum reward a client can receive is $50 cash.
b. Where the client's Qualifying Assets are transferred to only one new Account, the reward will be deposited into that Account. Where a client has opened multiple Accounts that qualify for the reward, the reward will be deposited to the Account with the highest transfer in of Qualifying Assets.
5. Receive the 10% deposit match until September 30, 2026.
a. The PAD/MCP must be ongoing for a minimum of 2 months to receive the 10% match
b. The maximum cumulative match a client can receive is $2,500. If a client reaches the $2,500 maximum before September 30, 2026, no further match will be rewarded.
c. If a client withdraws or transfers out assets equal to or greater than the amount of the PAD/MCP in any of the eligible account types, the 10% match will not be rewarded.
d. If a client sets up a MCP/PADs into multiple various accounts, the MCP/PAD match will be deposited into each respective account. The $2,500 maximum match applies on a client level.
e. If a client chooses to discontinue their PAD/MCP within 2 months of being established, no deposit match will be rewarded. If a client then chooses to reactivate their PAD/MCP, no deposit match will be rewarded.
Key Dates
- Offer Registration Deadline: September 5, 2025
- Funding Deadline: Within 30 days of opening the new Account(s)
- $50 Cash Reward: By November 15, 2025
- PAD/MCP 10% Match Reward:
o By April 30, 2026: Bulk reward for PAD/MCP deposit made between August 1, 2025 – March 31, 2026.
o By October 31, 2026: Bulk reward for PAD/MCP deposits made between April 1, 2026 – September 30, 2026.
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the reward, a client must keep the Account in good standing until the reward payout date. Good standing requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the reward. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- The Offer is not transferrable.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Banking services are offered by The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
†† TD Direct Investing 2024-2025 Winter Offer (the “Offer”)
New and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award") and Bonus Award (as outlined below). This "Offer" is available starting November 1, 2024 and ends on January 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate (i.e. Trusts, Estates, Investment Clubs)
- Locked-in registered
- Registered Education Savings Plans (RESPs)2
- Retirement Income Funds (RIFs)2
- Registered Disability Savings Plan (RDSP) 2
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Be the age of majority in their province or territory by January 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a. New Clients: Open a new Account(s) using the promo code GOALSNOW or OBJECTIFSMAINT by January 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b. Existing Clients: Register for the Offer using the registration form by January 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code GOALSNOW or OBJECTIFSMAINT to enroll in the Offer.
- If a client wishes to enroll multiple Accounts in the Offer, clients can insert multiple Account numbers on the registration form.
2. Transfer $10,000 or more in investable assets or cash from another Canadian financial institution(s) ("Qualifying Assets") to the new or existing eligible Account(s) by February 28, 2025:
a. Cash transfers into a TD Direct Investing Account from a TD Canada Trust (TDCT) account will be considered Qualifying Assets if the cash originated from a Canadian financial institution not associated with TD Bank Group and was deposited into the TDCT account on or after November 1, 2023.
b. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Wealth Management, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c. Transfers of mutual funds or Guaranteed Investment Certificates originating from TDCT accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their eligible Account(s) for 12 months ("Holding Period") after the Funding Deadline.
a. Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
b. If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
c. Assets transferred into the Account(s) after the Holding Period will not form part of the Qualifying Assets
Cash back Award Details:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Cash back Award.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between November 1, 2024, and February 28, 2026.
- Any withdrawals that occur within the dates of November 1, 2024 and February 28, 2026, will be subtracted from the total deposits.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new or existing Account (whether single, joint or corporate), the Award will be deposited into that Account. Where a client has enrolled multiple Accounts (whether new or existing), that qualify for the Cash Back Award, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
Terms of Cash back Award Payment:
- Funding Deadline: February 28, 2025
- Holding Period: February 28, 2026
- Cash Payout: March 31, 2026
Bonus Award Details:
Clients are eligible to receive the one-time Bonus Award of a $50 Amazon.ca Gift Card when they complete the following actions:
1. Qualify for the Cash back Award described above.
2. Fund the Account with $10,000+ within 30 days of registering in the Offer.
3. Hold the Qualifying Assets in the Account until the corresponding Holding Period.
Example: a client would be eligible for the $50 Amazon.ca Gift Card if an Account is open on November 1, 2024, funded with $10,000+ on November 15, 2024, and Qualifying Assets are held until February 28, 2026.
Clients eligible for the Bonus Award will be awarded a $50 Amazon.ca Gift Card through the email provided with their TD Direct Investing Account. A link to retrieve the Amazon.ca Gift Card will be sent through email by March 31, 2026. The client is responsible for ensuring they have notified TD Direct Investing if their email address has changed.
The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at: amazon.ca/gc-legal
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Clients must not have participated in any offers with TD Direct Investing in the last 12 months.
- The Offer cannot be used in with any other TD Direct Investing offer, except for the TD Direct Investing 40th Birthday Offer.
- The Offer is not transferrable.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. The Award is paid in full into the joint Account and does not get allocated to each joint Account owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and the TD Waterhouse Tax-Free Savings Account
2Refers to the TD Waterhouse Self-Directed Education Savings Plan, the TD Waterhouse Self-Directed Retirement Income Fund and the TD Waterhouse Disability Savings Plan
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Wealth Management represents the products and services available through TD Wealth Private Investment Advice (a division of TD Waterhouse Canada Inc.), TD Wealth Private Investment Counsel (offered by TD Waterhouse Private Investment Counsel Inc.), TD Wealth Private Banking (offered by The Toronto-Dominion Bank) and TD Wealth Private Trust (offered by The Canada Trust Company).
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
TD Direct Investing 2025 Winter Wealth Goals (the “Offer”)
New and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award"). This "Offer" is available starting February 1, 2025 and ends on March 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate (i.e. Trusts, Estates, Investment Clubs)
- Locked-in registered
- Registered Education Savings Plans (RESPs)2
- Retirement Income Funds (RIFs)2
- Registered Disability Savings Plan (RDSP)2
- First Home Savings Account (FHSA) 3
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Be the age of majority in their province or territory by March 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a. New Clients: Open a new Account(s) using the promo code STARTGOALS1 or OBJECTIFSDEDEPART1 by March 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b. Existing Clients: Register for the Offer using the registration form by March 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code STARTGOALS1 or OBJECTIFSDEDEPART1 to enroll in the Offer.
- If a client wishes to enroll multiple Accounts in the Offer, clients can insert multiple Account numbers on the registration form.
2. Transfer $10,000 or more in investable assets or cash from another Canadian financial institution(s) or TD Canada Trust (TDCT) account ("Qualifying Assets") to the new or existing eligible Account(s) by April 30, 2025:
a. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. Transfers of mutual funds or Guaranteed Investment Certificates originating from TDCT accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their eligible Account(s) until April 30, 2026 ("Holding Period") .
a. Any Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) within the Qualifying Period or before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
b. If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
c. Assets transferred into the Account(s) after the Holding Period will not form part of the Qualifying Assets
Cash back Award Details:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Qualifying Assets.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between February 1, 2025, and April 30, 2026.
- Any withdrawals that occur within the dates of February 1, 2025, and April 30, 2026, will be subtracted from the Qualifying Assets.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new or existing Account (whether single, joint or corporate), the Award will be deposited into that Account. Where a client has enrolled multiple Accounts (whether new or existing), that qualify for the Cash Back Award, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
Key Dates:
- Registration Deadline: March 31, 2025
- Funding Deadline: April 30, 2025
- Holding Period: April 30, 2026
- Cash Payout: By May 31, 2026
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the Award. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- The Offer cannot be used in with any other TD Direct Investing offer, except for the TD Direct Investing First Home Savings Account Offer.
- The Offer is not transferrable.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. The Award is paid in full into the joint Account and does not get allocated to each joint Account owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and the TD Waterhouse Tax-Free Savings Account.
2Refers to the TD Waterhouse Self-Directed Registered Education Savings Plan, the TD Waterhouse Self-Directed Retirement Income Fund and the TD Waterhouse Registered Disability Savings Plan.
3Refers to the TD Waterhouse Self-Directed First Home Savings Account.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
† TD Direct Investing 2024-2025 FHSA Offer (the “Offer”)
New and existing TD Direct Investing clients who open a new self-directed First Home Savings Account (FHSA) with the promo code STARTSAVE or DEBUTEPARGNE can earn up to $100 cash on eligible deposits for a Cash Award (the "Award"). This "Offer" is available starting November 28, 2024 and ends on May 31, 2025 ("Qualifying Period").
Eligibility:New and existing TD Direct Investing and TD Easy Trade™ clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- FHSA
Account(s) not eligible for the Offer:
- Cash (personal or joint) accounts
- Margin (single or joint account holder)
- Tax-Free Savings Account single account holder (TFSA)1
- Registered Retirement Savings Plan single account holder (RRSP)1
- Locked-in registered accounts
- Corporate Account
- Any non-personal accounts other than corporate (i.e. Trusts, Estates, Investment Clubs)
- Locked-in registered
- Registered Education Savings Plans (RESPs)2
- Retirement Income Funds (RIFs)2
- Registered Disability Savings Plan (RDSP)2
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade client, with Account(s) in good standing at the time of participating in the Offer.
- Be the age of majority in their province or territory by May 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Open a new FHSA Account using the promo code STARTSAVE or DEBUTEPARGNE by May 31, 2025.
a. If an account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
2. Deposit $3,000 or more in investable assets or cash from another Canadian financial institution(s) or TD Canada Trust account ("Qualifying Assets") to the new eligible Account(s) by the funding deadline ('Funding Deadline') outlined below:
a. Deposits originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. Deposits of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their Eligible Account(s) for 6 months ("Holding Period") after the Funding Deadline.
a. Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends will be subtracted from the value of Qualifying Assets.
b. If the Qualifying Assets fall below $3,000 at the end of the Holding Period, no Award will be granted to the client.
c. Assets transferred into the Account(s) after the Holding Period will not be part of the Qualifying Assets.
Cash back Award Details:
- Clients are eligible to receive $100 cash on the Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the cash Award.
- Any withdrawals that occur during the period of November 28, 2024 to November 30, 2025, inclusive, will be subtracted from the total deposits.
- The client will receive the Cash Award in the FHSA registered for the Offer.
Terms of Cash back Award Payment:
- Funding Deadline: June 30, 2025
- Holding Period: November 30, 2025
- Cash Payout: By January 15, 2026
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Clients are only eligible to receive one Cash Award for the FHSA offer. Where a client opens multiple FHSAs through TD Direct Investing and TD Easy Trade, the Cash Award will be deposited into the TD Direct Investing FHSA.
- The Offer is not transferrable.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and account fees will be excluded from calculations used to qualify accounts.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and the TD Waterhouse Tax-Free Savings Account
2Refers to the TD Waterhouse Self-Directed Education Savings Plan, the TD Waterhouse Self-Directed Retirement Income Fund and the TD Waterhouse Disability Savings Plan
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Wealth Management represents the products and services available through TD Wealth Private Investment Advice (a division of TD Waterhouse Canada Inc.), TD Wealth Private Investment Counsel (offered by TD Waterhouse Private Investment Counsel Inc.), TD Wealth Private Banking (offered by The Toronto-Dominion Bank) and TD Wealth Private Trust (offered by The Canada Trust Company).
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
1 The lifetime contribution period is up to 15 years. Based on the date on which the first FHSA is opened.
2 In certain provinces and territories, the legal age at which an individual can enter into a contract including opening a FHSA is 19. You must be at the age of majority in your province of residence and provide a valid Social Insurance Number (SIN). FHSA cannot be opened after the end of the year you turn 71.
3 An individual is considered to be a first-time home buyer if at any time in the part of the calendar year before the account is opened or at any time in the preceding four years they did not live in a qualifying home (or what would be a qualifying home if located in Canada) that either (i) they owned or (ii) their spouse or common-law partner owned (if they have a spouse or common-law partner at the time the account is opened).
††TD Direct Investing 2025 Aeroplan Take Flight Offer (the “Offer”)
New and existing TD Direct Investing clients can earn tiered Aeroplan points on cumulative eligible transfers (the "Bonus Points"). This Offer is available starting May 1, 2025 at 00:00 EST and ends on July 31, 2025 at 23:59 EST ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer. Client must also hold an active and eligible TD Aeroplan Credit Card in good standing as described more fully below as of July 31, 2025.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA)1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Registered Education Savings Plan (single account holder) (RESP)2
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate
- Retirement Income Fund (RIF)1
- Life Income Fund (LIF)1
- Registered Disability Savings Plan (RDSP)1
- First Home Savings Account (FHSA)1
Eligible TD Aeroplan Credit Cards for the Offer:
- TD® Aeroplan® Visa Infinite* Card
- TD® Aeroplan® Visa Platinum* Card
- TD® Aeroplan® Visa Infinite Privilege* Card
- TD® Aeroplan® Visa* Business Card
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Hold an active and eligible TD Aeroplan Credit Card
- Be an Aeroplan member in good standing
- Initiate funding within 30 days of opening or enrolling their Account(s).
- Be the age of majority in their province or territory by July 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a. New Clients: Open a new Account(s) using the promo code AEROPLAN2025 by July 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b. Existing Clients: Register for the Offer using the registration form by July 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code AEROPLAN2025 to enroll in the Offer.
- If an existing client holds multiple eligible accounts, all eligible accounts will be automatically registered for the Offer when the client completes the registration form.
2. Initiate a transfer of $10,000 or more in investable assets or cash from one or more financial institution(s) that are unassociated with TD Bank Group ("Qualifying Assets") to the new or existing eligible Account(s) within 30 days of registering for the offer. The transfer must be completed within 60 days of registering for the Offer. After the initial transfer condition is met, clients can continue to fund their account with additional Qualifying Assets until August 31, 2025:
a. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
3. Clients must have an active and eligible TD Aeroplan Credit Card as of July 31, 2025 to be eligible for the Offer.
a. The TD Aeroplan Credit Card must be open and in good standing from July 31, 2025 until August 31, 2026 for the client to receive the Bonus Points.
4. Aeroplan points will be deposited into the client's Aeroplan account on a pro-rated basis, outlined in the key dates section below. To receive the Bonus Points, the client's Account(s') balance must be equal or greater than the total value of Qualifying Assets in their Account(s) as of August 31, 2025 throughout the campaign period until August 31, 2026.
a. If a client withdraws, de-registers, or transfers out from any of the eligible Account(s) an amount greater than a cumulative total of 5% of the Qualifying Assets, no Bonus Points or further portion of the Bonus Points will be granted to the client.
b. If an existing client makes large withdrawals in any of their eligible account(s) between May 1, 2025 and the client registration date, these withdrawals may be included in the calculation of the client's Qualifying Assets.
c. Assets transferred into the Account(s) after the funding deadline will not form part of the Qualifying Assets.
Key Dates:
- Registration Deadline: July 31, 2025 at 23:59 EST
- Initial Funding Initiation Deadline: 30 days post client registration date
- Initial Funding Completion Deadline: 60 days post client registration date
- Last day to fund: August 31, 2025 at 23:59 EST
- Aeroplane Bonus Points Payout
Schedule:
- By November 30, 2025 = 25% of Aeroplan Bonus Points
- By April 30, 2026 = 25% of Aeroplan Bonus Points
- By August 31, 2026 = Remaining 50% of Aeroplan Bonus Points
Qualifying Asset Tiers
Aeroplan Points
$10,000 - $49,999
10,000
$50,000 - $99,999
25,000
$100,000 - $249,999
75,000
$250,000 - $499,999
150,000
$500,000 - $999,999
300,000
$1,000,000 - $1,999,999
500,000
$2,000,000+
1,000,000
Below is an example of how clients will receive the Bonus Points:
Action
Date
Account Balance
Payout
Client registers an eligible account and holds an active TD Aeroplan credit card
May 15, 2025
Client initiates funding
May 25, 2025
$10,000
Client funds additional Qualifying Assets
August 15, 2025
$60,000
Initial Aeroplan points Offer payout
November 30, 2025
$60,000
6,250 Aeroplan Points
Second Aeroplan points Offer payout
April 30, 2026
$60,000
6,250 Aeroplan Points
Final Aeroplan points Offer payout
August 31, 2026
$60,000
12,500 Aeroplan Points
Aeroplan Offer Details:
- Clients are eligible to receive Aeroplan points on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Qualifying Assets.
- The maximum Bonus Points a client can receive is 1,000,000 Aeroplan points.
- Aeroplan points will be deposited into the client's Aeroplan account that is linked to their TD Aeroplan Credit Card, subject to the cardholder's statement date.
- Points awarded under this Offer are not eligible for Everyday Status Qualification (EDQ)
- Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html#/
- Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html
- All offers are contingent on satisfying the criteria outlined in the Offer terms and conditions.
- The client must ensure that they provide their own personal Aeroplan number to be linked to their credit card as linking a different Aeroplan number is prohibited. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the Bonus Points, a client must keep the Account(s) in good standing until each Offer payout date. Good standing requires the Account(s) to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the Bonus Points. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- TD Direct Investing and Aeroplan reserve the right to refuse the provision of any awards and benefits under this Offer if it determines the terms as set out above have been violated.
- The Offer cannot be used in conjunction with the TD Direct Investing Step into Spring Offer.
- The Offer is not transferrable and is not redeemable for cash.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. Joint accounts can only be registered to one primary account holder. If multiple account holders register for the Offer then the Bonus Points will be allocated to the primary account holder.
- For members of the same household who open Accounts that include one or more joint Accounts, Bonus Points will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
1 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
All trademarks are the property of their respective owners.
®Aeroplan is a registered trademark of Aeroplan Inc., used under license.
®The Air Canada maple leaf logo is a registered trademark of Air Canada, used under license.
*Trademark of Visa International Service Association and used under license.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Banking services are offered by The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
4 Rated best online broker in Canada in the “investor resources” category. Based on data current as of August 2024. Visit www.moneysense.ca for more information.
5 The transfer fee offer is applicable to any new or existing client who opens a new TD Direct Investing account and transfers $25,000 or more in assets to the new account from another financial institution. To qualify, a client must provide evidence of transfer expenses charged by the outgoing financial institution in an account statement that shows the transfer charge. Reimbursement for a transfer that qualifies will be deposited into the new account in the calendar month following completion of the transfer process. Each client is eligible to be reimbursed to a maximum of $150 for each eligible transfer for up to four transfers. A client is defined as a person or people with a grouping of accounts with the same 6-digit identifier, which can be found on account statements.
TD Direct Investing 2025 Step into Spring Offer (the “Offer”)
New and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award"). This Offer is available starting May 1, 2025 and ends on July 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Registered Education Savings Plan (single account holder) (RESP)2
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate
- Retirement Income Fund (RIFs)1
- Life Income Fund (LIF)1
- Registered Disability Savings Plan (RDSP)1
- First Home Savings Account (FHSA)1
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Initiate funding within 30 days of opening or enrolling their Account(s).
- Be the age of majority in their province or territory by July 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a. New Clients: Open a new Account(s) using the promo code CASHBACK2025 or REMISE2025 by July 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b. Existing Clients: Register for the Offer using the registration form by July 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code CASHBACK2025 or REMISE2025 to enroll in the Offer.
- If an existing client holds multiple eligible accounts, all eligible accounts will be automatically registered for the Offer when the client completes the registration form.
2. Initiate a transfer of $10,000 or more in investable assets or cash from one or more financial institution(s) that are unassociated with TD Bank Group ("Qualifying Assets") to the new or existing eligible Account(s) within 30 days of registering for the offer. The transfer must be completed within 60 days of registering for the Offer. After the initial transfer condition is met, clients can continue to fund their account with additional Qualifying Assets until August 31, 2025:
a. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their eligible Account(s) until August 31, 2026 ("Holding Period").
a. Any withdrawals, de-registers, or transfers out from any eligible Account(s) after registering for the Offer or before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
b. If an existing client makes large withdrawals in any of their eligible account(s) between May 1, 2025 and the client registration date, these withdrawals may be included in the calculation of the client's Qualifying Assets.
c. If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
d. Assets transferred into the Account(s) after the funding deadline will not form part of the Qualifying Assets
Key Dates:
- Registration Deadline: July 31, 2025
- Initial Funding Initiation deadline: 30 days post client registration date
- Initial Funding Completion deadline: 60 days post client registration date
- Initial Funding Completion deadline: 60 days post client registration date
- Last day to fund: August 31, 2025
- Holding Period: August 31, 2026
- Award Payment: By September 30, 2026
Cash back Award Details:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Qualifying Assets.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) as of August 31, 2026.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new or existing Account (whether single, joint or corporate), the Award will be deposited into that Account. Where a client has enrolled multiple Accounts (whether new or existing) that qualify for the Award, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. Good standing requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the Award. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- This offer cannot be used in conjunction with the TD Direct Investing Aeroplan Take Flight Offer.
- The Offer is not transferrable.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. The Award is paid in full into the joint Account and does not get allocated to each joint Account owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
1 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Banking services are offered by The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
4 Rated best online broker in Canada in the “investor resources” category. Based on data current as of August 2024. Visit www.moneysense.ca for more information.
5 The transfer fee offer is applicable to any new or existing client who opens a new TD Direct Investing account and transfers $25,000 or more in assets to the new account from another financial institution. To qualify, a client must provide evidence of transfer expenses charged by the outgoing financial institution in an account statement that shows the transfer charge. Reimbursement for a transfer that qualifies will be deposited into the new account in the calendar month following completion of the transfer process. Each client is eligible to be reimbursed to a maximum of $150 for each eligible transfer for up to four transfers. A client is defined as a person or people with a grouping of accounts with the same 6-digit identifier, which can be found on account statements.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan
This TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan (the "Plan") applies to TD Waterhouse Insurance Services Inc. and TD Waterhouse Canada Inc., including its divisions, TD Direct Investing (including TD Easy Trade™, which is a service of TD Direct Investing), TD Wealth Financial Planning (including TD Wealth Financial Planning Direct, which is a service of TD Wealth Financial Planning) and TD Wealth Private Investment Advice (collectively, "TD Wealth").
Commitment to Accessibility
TD Wealth is committed to ensuring that every employee and client receives equitable treatment with respect to employment and services, without discrimination, and receives accommodation in compliance with legal and regulatory requirements.
Through progressive policies, communication and training, accommodation measures and recruitment practices, TD Wealth strives to provide a fully inclusive, barrier-free environment.
TD Wealth is dedicated to creating a welcoming, fair, and inclusive environment for TD Wealth clients and employees.
Our Plan is aligned with the TD Bank Group Accessibility Policy (Canada).
Additional information is available on the Accessibility at TD: Meeting Customer Needs website.
TD Wealth Multi-year Accessibility Plan 2025-2030
TD Wealth has established this Plan which outlines our strategy to prevent and remove barriers to meeting the accessibility needs of people with disabilities. The Plan is reviewed and updated at least once every five years.
The Plan is available in an accessible format upon request.
Accessibility Policies
Diversity and inclusiveness play a big part in TD Wealth's corporate responsibility model. TD Wealth is committed to being a welcoming place for all our clients and employees. Although TD Wealth has implemented policies and processes relating to accessibility for our clients and employees, we are committed to reviewing these policies and enhancing them as circumstances evolve.
The TD Wealth Accessibility Policy (Canada) is available upon request and can be made available in an accessible format.
Communicating with people with disabilities and Accessible Formats
TD Wealth is committed to creating, providing and receiving information and communications with people with disabilities in ways that consider their disability.
TD Wealth is committed to providing clients with the choice of document format that best suits the client's needs.
Upon request, clients can receive documentation in formats designed for the visually impaired. These alternative formats include, but are not limited to, braille, large format and audio recording.
TD Wealth will record the format preference and send future documentation or communication in the format desired on a best effort basis.
Assistive Devices
TD Wealth is committed to serving people with disabilities who use assistive devices to obtain or use our products and services.
TD Wealth provides training for all employees regarding the availability of assistive devices and how they may access information about assistive technologies.
Use of service animals and support persons
People with disabilities may bring a service animal onto public TD Wealth premises. TD Wealth provides training for all employees, contractors, volunteers, and others who represent TD Wealth regarding how to interact with people with disabilities who are accompanied by a service animal.
Any person with a disability who is accompanied by a support person (e.g. sign language interpreter, attendant, etc.) will be allowed to enter TD Wealth premises that are open to the public with their support person. At no time will a person with a disability be prevented from accessing their support person while on TD Wealth premises.
In situations where TD Wealth has obligations under privacy laws or has issues of confidentiality, a support person may be requested to agree to the requirements of service just as the person with the disability does.
When support persons are required for meetings, consultations, or other events, we will work together with the person with the disability to meet their needs.
Feedback process
If you have feedback on our accessibility efforts or would like to request a copy of the Policy or the Plan, please contact us:
Mailing address: Accessibility at TD, Accessibility Office, P.O. Box 1, Toronto-Dominion Centre, Toronto, Ontario M5K 1A2
Toll-Free: 1-833-316-3554
Teletypewriter (TTY): 1-800-361-1180
Video Relay Service: 1-844-229-0787 (ASL)
Email: accessibility@td.com
Any complaints received via feedback will be reviewed and addressed in accordance with TD Wealth complaint handling protocols.
TD Wealth will continue to ensure that our process for receiving and responding to feedback is accessible to people with disabilities by providing, or arranging for the provision of, accessible formats and communication supports, upon request.
Accessible Websites and Web Content
TD Wealth will make websites and web content accessible to people with disabilities by conforming to the international standards of the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG).
TD Wealth websites and web content will be compliant with the expectations and timelines under applicable legal and regulatory requirements.
Temporary disruptions
In the event of a planned or unexpected disruption in facilities or services, TD Wealth will provide information about the reason for the disruption, how long it is expected to last, and a description of any alternative facilities or services available (where applicable).
Training
TD Wealth will provide accessibility training focused on the provision of products and services to our clients.
Training will also be provided to employees involved in the development of policies, practices, and procedures regarding the provision of products and services.
Training will be provided to each person as soon as possible after they are assigned applicable duties.
TD Easy TradeTM Partial Shares Offer (the “Offer”)
New or existing clients of TD Easy TradeTM can receive an award of partial shares valued at approximately $100 CAD (the "Reward") by opening a new TD Easy TradeTM account between March 31, 2026 and June 30, 2026 (the “Registration Period”) and transferring in $2,500 or more of investable assets or cash from outside of TD Bank group, or cash from a TD Canada Trust account ("Qualifying Assets"). TD Easy TradeTM accounts opened outside of the Registration Period will not qualify for the Offer.
Eligibility
Eligible Accounts for the Offer
- Cash (single account holder only)
- Tax-Free Savings Account (TFSA)1
- Registered Retirement Savings Plan (personal only) (RRSP)1
- First Home Savings Account (FHSA)1
Non-eligible Accounts for the Offer
- TD Easy TradeTM accounts opened prior to March 31, 2026, or after June 30, 2026
- TD Direct Investing accounts
- Any account type not offered by TD Easy TradeTM
How do I know if I am eligible for the Offer?
- You're a new or existing TD Easy TradeTM client.
- You're the legal age of majority in your province or territory by June 30, 2026.
- You're a legal resident of Canada.
- You fulfill the terms and conditions listed below.
Qualifications
How do I qualify for the Offer?
- Download the new TD Easy TradeTM app from the App Store or Google Play.
- If you are an existing client of TD Easy TradeTM, you must update your app to access the offer.
- Open a new TD Easy TradeTM account between March 31, 2026, and June 30, 2026.
- If you are a new TD Easy TradeTM client, you can register by opening a new account in the TD Easy TradeTM app during the Registration Period.
- If you are an existing TD Easy TradeTM client, you must open a new eligible account type that you did not have prior to March 31, 2026. Please note, you cannot qualify by closing and reopening an account of the same type during the Registration Period.
- You must have a TD Easy TradeTM cash account. If you do not have an existing TD Easy TradeTM cash account, you must open one during the Registration Period to be eligible for the Offer.
- Select three eligible stocks to receive as the Reward by July 31, 2026.
- Once your new, eligible account is open, you will be able to make your selection of the three stocks you wish to receive as the Reward.
- Open the TD Easy TradeTM app, go to the Rewards & Offers section, and follow the instructions to select three stocks from the available options.
- You can only make your partial shares selection within the TD Easy TradeTM app once. See Processing Schedule under Key Dates for specific deadlines.
- Transfer $2,500 CAD or more of Qualifying Assets into the new TD Easy TradeTM account.
- Complete your first transfer by the funding deadline of July 31, 2026.
- In addition to the first transfer, any additional Qualifying Assets transferred into the new account(s) until July 31, 2026, will be counted toward your Minimum Funding Amount (MFA).
- The MFA to qualify for the partial shares is $2,500 CAD.
- Transfers originating from TD Direct Investing, TD Easy TradeTM, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Banking, or TD Wealth Private Trust accounts are not included in the Qualifying Assets.
- Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts will not be included in the Qualifying Assets.
- Maintain the MFA in your eligible account(s) until the end of the Campaign Period (July 31, 2026)
- If the MFA falls below $2,500 (excluding market fluctuations) prior to the payout, no Reward will be granted.
The Reward
How will the Reward be calculated?
- Each client is eligible for one Reward during the Campaign Period.
- The Reward will consist of partial shares of the three chosen stocks with an individual book value of approximately $33.33 CAD each and a total combined book value of approximately $100 CAD.
- If Qualifying Assets are transferred into multiple accounts, the MFA will be calculated by combining the value of the Qualifying Assets transferred into all the TD Easy TradeTM accounts opened during the Registration Period.
- The market value of Qualifying Assets at the time of deposit will be used to determine the value of the Qualifying Assets in the account(s) for the purpose of determining the MFA.
- Market fluctuations after the time of deposit will be excluded from calculations used to determine if an account qualifies for the Reward.
- Interest and dividends will not be included in the calculation of the MFA but will be subtracted if withdrawn.
- The MFA will be measured according to the combined value of CAD and USD denominated Qualifying Assets deposited to each currency component of an account(s). The value of USD denominated Qualifying Assets will be converted into CAD using the exchange rate on the date of deposit to determine eligibility for the Offer.
- Qualifying Assets deposited into the account(s) after July 31, 2026, will not count towards the MFA.
How will the Reward be deposited into my account?
- The Reward will be valued in CAD and deposited to the Canadian component of the cash account.
- The total market value of partial shares deposited into your account may vary depending on timing of settlement and market fluctuations.
- E.g.: Once you have selected the three eligible stocks you want to receive and transferred in a minimum of $2,500 of Qualifying Assets, we will then buy partial shares of each stock with an approximate market value of $33.33 CAD and deposit the partial shares to your account.
- Specific timing of the partial share purchases is at the sole discretion of TD Direct Investing as per the schedule indicated below.
- Once the partial shares are deposited into the account, they are your property. Any subsequent investment decisions are solely your responsibility.
Key Dates
- Campaign Period: March 31, 2026 – July 31, 2026
- Registration Period: March 31, 2026 – June 30, 2026
- Reward Processing Schedule:
- Qualifying Assets Deposited & Partial Shares Selected by 11:59pm EST on:
- Partial Shares Deposited on or Before:
- April 10, 2026
- April 17, 2026
- April 24, 2026
- May 1, 2026
- May 8, 2026
- May 15, 2026
- May 22, 2026
- May 29, 2026
- June 5, 2026
- June 12, 2026
- June 19, 2026
- June 26, 2026
- July 3, 2026
- July 10, 2026
- July 17, 2026
- July 24, 2026
- July 31, 2026
- August 7, 2026
- Funding Deadline: July 31, 2026
- The MFA must be met by July 31, 2026
- MFA must be held in the account(s) until July 31, 2026
Additional Details
- To receive the Reward, a client must keep their account(s) in good standing until the Reward has been paid to the account. Good standing includes, but is not limited to, the requirement that the account(s) not go into a debit position.
- Clients can participate in multiple offers, however assets that have previously qualified for or received rewards under any other promotional Offer will not be included in the MFA for the purpose of receiving the Reward. This includes assets that are transferred out and subsequently transferred back in.
- In the rare event that partial shares cannot be fulfilled due to market conditions, system limitations, or other circumstances beyond our control, we reserve the right, at our sole discretion, to provide a cash reward of $100 CAD in lieu of the partial share(s). The cash reward will be credited to the client’s account and will be considered full and final fulfillment of the applicable reward.
- Employees of TD Bank Group are eligible for the Offer.
- This reward is not transferable.
- Qualifying Assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Easy TradeTM.
- There may be tax implications associated with the Reward. Clients may wish to consult with their personal tax advisor for more information.
- TD Easy TradeTM reserves the right to refuse the provision of any Rewards and benefits under this Offer if it determines the terms set out above have been violated.
- TD Easy TradeTM reserves the right to disqualify any claim, change the rewards and number of rewards offered, modify these Terms and Conditions, and terminate the Offer at any time, each in its sole discretion.
1 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, and the TD Waterhouse Self-Directed First Home Savings Account.
TD Easy TradeTM is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
2026 TD Direct Investing and TD Easy TradeTM Spring Offer (the “Offer”)
You can get 2% cash back by transferring assets from outside of TD Bank Group to an eligible registered TD Direct Investing or TD Easy Trade account and you can get 1% cash back by transferring assets from outside of TD Bank Group to an eligible non-registered TD Direct Investing or TD Easy Trade account.
Eligibility
Core Eligible Accounts
Eligible Accounts for 2% cash back
- Tax-Free Savings Account (TFSA) 1
- Registered Retirement Savings Plan (single account holder and spousal) (RRSP)1
- First Home Savings Account (FHSA)1
- Self-Directed Locked-In Retirement Accounts (LIRA)1 – Not available for TD Easy Trade
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3 – Not available for TD Easy Trade
Eligible Accounts for 1% cash back
- Cash (single or joint account holder)
- Margin (single or joint account holder) – Not available for TD Easy Trade
- Corporate Account – Not available for TD Easy Trade
Bonus Eligible Accounts
Eligible Accounts for 2% cash back (only available when paired with a fully funded Core Eligible Account as described below)
- Retirement Income Fund (RIF)1 – Not available for TD Easy Trade
- Life Income Fund (LIF)1 – Not available for TD Easy Trade
Non-eligible Accounts
- Registered Education Savings Plan (RESP)2
- Registered Disability Savings Plan (RDSP)1
- Any non-personal accounts other than a Corporate Account
How do I know if I am eligible for the Offer?
- You're a new or existing TD Direct Investing or TD Easy Trade client, with your account(s) in good standing, as described below, at the time of participating in the Offer.
- You're the legal age of majority in your province or territory by June 30, 2026.
- You're a legal resident of Canada.
- You fulfill the terms and conditions listed below.
Qualifications
How do I qualify for the Offer?
Register for the Offer between April 13, 2026, and June 30, 2026 (the “Registration Period”).
- If you don't have an existing eligible TD Direct Investing or TD Easy Trade account you can register by opening a new account and including the promocode (SPRING2026/PRINTEMPS2026) between April 13, 2026 and June 30, 2026. If opening an account in branch or by phone, provide the promo code to the TD representative.
- If you already have an existing eligible TD Direct Investing or TD Easy Trade account, you can register by completing the registration form and including the account number from one of your eligible accounts.
- Once you are registered, all your eligible accounts, as defined above, will be included in the offer.
- Transfer in $10,000 CAD or more from any financial institution(s) outside of TD Bank Group. Initiate your first transfer directly from any financial institution(s) outside TD Bank Group within 30 days of registering for the Offer.
- Complete your first transfer within 60 days of registering for the Offer or by the funding deadline of July 31, 2026, whichever comes first.
- In addition to the first transfer, any assets transferred into your eligible account from outside TD Bank Group until July 31, 2026, will be counted toward your total funding amount ("TFA").
- Transfers can be made to a new and/or existing TD Direct Investing and TD Easy Trade accounts.
- The TFA must meet the minimum funding amount of $10,000 CAD.
Bonus Eligible Account Qualifications
- A RIF or LIF is only eligible as a Bonus Eligible Account when opened and/or funded in combination with any Core Eligible Account under this offer.
- To have RIF or LIF assets included in the total TFA, you must first satisfy all offer requirements within Core Eligible Accounts. This includes transferring a minimum of $10,000 CAD into any Core Eligible Accounts in accordance with the terms of this offer. $10,000 can be split amongst several Core Eligible Accounts.
- Only when the minimum funding requirement has been met with the Core Eligible Accounts will new assets deposited into the Bonus Eligible Account(s) be counted toward the TFA.
- RIFs will only count as a Bonus Eligible Account if there is an OFI deposit. For example, if you do not deposit eligible assets into RIF, this account will not be considered an eligible account.
- There is no minimum funding requirement for the Bonus Eligible Account(s).
Maintain the assets in your eligible account(s) until July 31, 2027.
- Any withdrawals that occur between April 13, 2026, and July 31, 2027 ("Campaign Period") from any eligible account(s) will be subtracted from the TFA. This includes assets that were in the account prior to the start of the Offer, regardless of registration date.
- Withdrawals of the Annual Minimum Payment (AMP) from a RIF or LIF account to an account outside of TD Direct Investing or TD Easy Trade will be subtracted from your TFA. Deregistration to another TD Direct Investing or TD Easy trade account will not count as a withdrawal.
- Withdrawals from any non-eligible account (RESP, RDSP and non-personal accounts other than corporate) will not impact the TFA.
- Non-participating RIFs will not impact your TFA.
The "Reward"
How will the Reward be calculated?
- The total cashback Reward will be calculated based on 2% of the TFA of any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $10,000 CAD.
- The cash back Reward will be calculated on the TFA maintained in the eligible account(s) as of July 31, 2027.
- If you transfer assets into multiple accounts, the TFA will be calculated by combining the value of the assets transferred into all of the eligible accounts.
- Withdrawals from any eligible account(s) that you hold within the Campaign Period (April 13, 2026 – July 31, 2027), will be subtracted from the TFA, including assets that were previously held in the account prior to the start of the Offer.
- Withdrawals will reduce the TFA that qualifies for the applicable percentage Reward. If you withdraw from an account earning 2%, your 2% Reward will decrease. If you withdraw from an account earning 1%, your 1% Reward will decrease.
- If you have positive TFA in only one Reward tier, withdrawals from any of your eligible accounts will reduce that Reward tier.
- The market value of assets at the time of deposit will be used to determine the value of the assets transferred into the account(s).
- Interest and dividends will not be included in the calculation of the TFA but will be subtracted from the TFA if withdrawn.
- The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). U.S. dollar balances will be converted into Canadian dollars using the exchange rate on the date of deposit to determine eligibility.
- Assets transferred into the account(s) after July 31, 2026, will not count towards the TFA.
- If the TFA falls below $10,000 CAD (excluding standard market fluctuations) as of July 31, 2027, no Reward will be granted.
- For any TFA deposited into a joint account, the total cash back Reward can only be allocated to the primary account holder. Withdrawals from a joint account will be deducted from the primary account holder's TFA regardless of which account holder completed it. There is no impact to any additional account holder(s).
How will the cash back Reward be deposited into my account?
- The Reward will be distributed by August 31,2027.
- If you only transfer assets to one account, the total cash back Reward will be deposited into that account.
- If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.
- The Reward will be paid in CAD to the Canadian component of the account(s).
- For joint accounts, TD Direct Investing is not responsible for how the Reward is managed or shared once it has been paid out.
- The maximum Reward a client can receive is $10,000 CAD.
- If a client transfers assets to both TD Direct Investing and TD Easy Trade accounts for the Offer, the maximum Reward they can receive across all TD Direct Investing and TD Easy Trade accounts is $10,000 CAD.
Key Dates
- Campaign Period: April 13, 2026 – July 31, 2027
- Registration Period: April 13, 2026 – June 30, 2026
- Deadline to Register: June 30, 2026
- Funding Period: April 13, 2026 – July 31, 2026
- First Transfer Initiation Deadline: 30 days after client registration date
- First Transfer Completion Deadline: 60 days after client registration date or July 31, 2026 – whichever comes first.
- All transfers must be completed by July 31, 2026
- TFA must be held in the account(s) until July 31, 2027
- You will receive your Reward by August 31, 2027
Additional Details
- To receive the cash back Reward, a client must keep their account(s) in good standing until the Reward payout date. Good standing requires the account(s) to not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
- This Offer can be combined with the TD Investing Campaign for Direct Investing and TD Easy Trade Offer (TDIC). If you have previously registered for TDIC, the following conditions will apply when you register for this Offer:
- Assets deposited, transferred, or otherwise funded into an eligible account before April 13, 2026 will continue to be governed by the terms and conditions of TDIC.
- Assets deposited, transferred, or otherwise funded into an eligible account between April 13, 2026 - July 31, 2026 will be governed by the terms and conditions of this Offer, including holding the assets until July 31, 2027.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in the TFA for the purpose of calculating the Reward for this Offer. This includes assets that are transferred out and subsequently transferred back in.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- This Offer is not transferable.
- Assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- There may be tax implications associated with the cash Reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash Reward is paid directly to the plan and is not considered a contribution.
- Standard market fluctuations, and account fees will be excluded from calculations used to determine if an account qualifies for the Reward.
- TD Direct Investing reserves the right to refuse the provision of any Rewards and benefits under this Offer if it determines you have violated the terms set out above.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
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