FAQs | 2026 TD Direct Investing & TD Easy TradeTM Spring Offer
TD Direct Investing and TD Easy Trade TM
Eligibility
1. How does registration work for this offer?
Registration for this offer is at a client level, meaning you register yourself for the offer, not your account. If you already have an existing TD Direct Investing or TD Easy Trade account, you can register by completing the registration form and including an account number from one of your eligible accounts. If you do not have an existing TD Direct Investing or TD Easy Trade account, you can register by opening a new account and including the promo code in the application. If you need support to open your account in branch or over the phone, be sure to inform the TD representative of the promocode. Once registered, all your eligible accounts will be included in the offer and considered when determining the Total Funding Amount (TFA).
2. Which account types are eligible for this offer?
Eligible accounts are grouped into two categories: Core and Bonus.
Core accounts qualify for the primary offer and include:
- Registered accounts, which are eligible for 2% cash back
- Non-registered accounts, which are eligible for 1% cash back
Bonus accounts are only eligible when paired with a qualifying Core account and cannot receive the offer on their own.
Core Eligible Accounts
2% cash back reward tier:
- Tax-Free Savings Account (TFSA)
- Registered Retirement Savings Plan (RRSP)
- First Home Savings Account (FHSA)
- Locked-In Retirement Account (LIRA)
- Locked-In Retirement Savings Plan (LRSP)
1% cash back reward tier:
- Cash accounts (single or joint)
- Margin accounts (single or joint)
- Corporate accounts
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)
- Life Income Fund
RIF and LIF accounts are not available through TD Easy Trade. Please see the Terms and Conditions for more information on Core and Bonus Eligible Accounts.
LIRA, LRSP, RIF, LIF, Marin and Corporate accounts are not available through TD Easy Trade. Please see the Terms and Conditions for more information on Core and Bonus Eligible Accounts.
The following account types are noteligible for this offer, which means that any activity in these accounts will not impact your TFA or reward:
- Registered Education Savings Plan (RESP)
- Registered Disability Savings Plan (RDSP)
- Any non-personal accounts other than corporate accounts (e.g. Formal Trusts, Estates, Investment Clubs)
3. How do the Bonus Eligible Accounts apply to the Offer?
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.[RF5] [MJ6] $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 assets from the Bonus Eligible Account(s) be counted toward the TFA.
- There is no minimum funding requirement for the Bonus Eligible Account(s).
4. Can I participate in multiple offers at the same time?
Yes, you can participate in multiple offers unless otherwise indicated in the terms of each offer. Keep in mind, money and securities that you transfer in can only receive one reward for one offer, even if you transfer them out and back in again.
5. Qualification and Registration
If I opened a new account and forgot to input the promo code, can I still be registered for the offer?
If you forgot to input the promo code while opening a new account, you can still register by filling out the registration form once you have a valid, eligible account number. The registration form can be found on the 2026 TD Direct Investing and TD Easy TradeTM Spring Offer page.
6. Can I register my corporate account?
Yes, corporate accounts can be registered for this offer. However, they are considered separate from your personal profile and must be registered separately. Corporate accounts are not available through TD Easy Trade. To register your corporate account, you must fill out the registration form which can be found on the 2026 TD Direct Investing and TD Easy TradeTM Spring Offer page.
7. How are joint accounts treated for the purpose of this offer?
Assets transferred to a joint account can only be allocated to the primary account holder, meaning any assets transferred to the joint account for the purpose of this campaign can only be added to the TFA of the person who is the primary holder on the account. If the secondary account holder wants to allocate assets transferred in for the purpose of the offer, they will need to transfer into an account in which they are the primary account holder or open a new account in which they will be the primary account holder.
Where the primary account holder has hit the reward cap, assets will not be re-allocated to the secondary joint account holder even if they still have room.
Joint accounts are not available through TD Easy Trade.
8. What if I already have existing accounts and have registered for the offer, but then I want to open an additional account?
Registration for this offer is at a client level, meaning you register yourself for the offer, not an account. Therefore, if you have already registered by the registration deadline of June 30, 2026, any new eligible accounts you open will automatically be included in the offer. You are not required to include the promo code in the account application. Please note that while the new account can be opened after June 30, 2026, assets transferred into that account must be completed by the funding period deadline of July 31, 2026, in order to count towards the TFA.
If the new account is a non-eligible account type, then that account will have no impact on the offer.
Transfers and Total Funding Amount (TFA)
9. What types of transfers qualify for this offer?
To be eligible for the offer, you must transfer cash or investable assets from other financial institutions (OFI) unassociated with TD Bank Group directly to your eligible TD Direct Investing or TD Easy Tade account. Investable assets can include Stocks, Bonds, Mutual Funds, and more. Transfers originating or transferred from any TD Line of Business will not be considered part of the TFA. Transfer timelines may vary and can take up to 30 business days or more depending on the delivering institution and the type of transfer.
10. What if I get charged a fee to transfer funds from another financial institution to my TD Direct Investing or TD Easy Trade account(s)?
On minimum transfers of $25,000 CAD1, you can get reimbursed up to $150 per account, to a maximum of 4 accounts or $600 per household. Please reach out to a TD representative with confirmation of the transfer-out charges.
11. Can I make withdrawals from my accounts during the campaign?
Yes, you can make a withdrawal from your account anytime, your money is not locked in however withdrawals from any eligible account(s) during the Campaign Period (April 13, 2026, to July 31, 2027) will reduce your TFA. This includes the withdrawal of assets that were in your account prior to the start of the campaign and includes withdrawal of dividends and interest. Withdrawals from any non-eligible accounts will not impact your TFA.
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 only funded an account(s) tied to a single reward tier, withdrawals from any account will reduce that reward tier.
Withdrawals, including the annual minimum payment (AMP), from your Retirement Income Fund or Life Income Fund (RIF or LIF) account will reduce your TFA. However, you may choose to have your AMP deposited into a non-registered TD Direct Investing or TD Easy Trade account to not impact your TFA.
12. Can I transfer assets between accounts?
Assets can be moved between eligible accounts. If you transfer assets between accounts from different tiers, the TFA for the purpose of calculating the reward will be determined as per the tier of the original transfer. For example, if you transfer assets from a 1% tier account to a 2% tier account, your reward will be calculated based on the TFA qualifying for a 1% reward.
However, if you transfer assets from an eligible account to a non-eligible account, it will be considered a withdrawal as assets in non-eligible accounts are not considered for this offer.
13. What if my assets drop below the minimum due to market fluctuations by the deadline (without withdrawing, deregistering or transferring assets), would I still be eligible to receive the reward?
Yes, as long as you do not engage in an action that is attributed to removing assets, such as withdrawing, deregistering, or transferring assets, you are still eligible.
The Reward
14. How will the reward be deposited to my account(s)?
The cashback reward will be deposited in your account by August 31, 2027.
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 July 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.
15. How is the reward determined if I transfer in USD assets?
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). Any USD transfers will use the CAD equivalent at the time of deposit to determine the value of the TFA for eligibility.
1Switch and Save Rebate: this 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.
There may be tax implications associated with the reimbursement. Clients should consult with their personal tax advisor for more information. For registered plans, the amounts reimbursed are paid directly to the plan and are not considered a contribution to an RSP, RESP, TFSA, or RIF.
All account types qualify for this offer other than locked-in registered accounts and RDSP accounts which are not eligible for this offer.
The reimbursement will be paid in Canadian dollars to the qualifying account(s).
This offer may be changed or withdrawn at any time without notice.
Disclosures
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.
