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Clear and simple pricing
Pricing
Start with competitive pricing that's simple, fair and transparent. Add a slate of services included with your account and it all equals value for you.
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Real-time market data and quotes for Canadian and US markets
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Commission-free mutual fund trades1
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Analyst research reports exclusive to TD
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Unlimited streaming education through our Learning Centre
Straightforward pricing
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Commissions
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Market Data
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Maintenance Fee and Household Program
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Current Offers
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Previous Offers
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How you trade |
Online Commissions2 |
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Standard Rate |
Canadian & U.S. Stocks Partial Shares Select Exchange Traded Funds ( ETFs)† $0 for select ETFs – see list for more details Canadian & U.S. Options All prices are quoted and commissions charged in the currency of the trade. |
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Active Trader Pricing |
Canadian & U.S. Stocks Canadian & U.S. Options All prices are quoted and commissions charged in the currency of the trade. |
Commission-free investments
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Select Exchange Traded Funds (ETFs)†
Select ETFs are commission-free when you place your trades online or in app. See list for more details.
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Mutual Funds
No commissions apply to buy, sell or switch. A short-term redemption fee may apply.1 -
Fixed Income
Commissions for Bonds, Strip Coupons, GICs, T-Bills and other fixed income and money market products are included in the quoted price. -
IPOs & New Issues
No commissions apply to New Issue expressions of interest.
WebBroker & TD app
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Real-time snap quotes for Canadian and US markets included with your account |
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Free. |
Level I vs. Level II Market Data
TD Active Trader Platform
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Less than 30 trades per quarter |
30 or more trades per quarter2 |
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US Equities Realtime Equity Options Realtime Futures |
Limited-time offer: Open a new account by November 30, 2026 and get free market data until December 31, 2026. Find out more here. |
Free |
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Market depth Realtime |
Available with $5,000 (USD) Cash or eligible securities |
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Advanced Dashboard
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30 or more trades per quarter |
$500,000 or more in assets |
Under $500,000 in assets |
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Real-time streaming |
Free |
Free |
$29/month |
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Market depth – Canadian equities |
Free |
$10/month |
$10/month |
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Market depth – U.S. equities NASDAQ |
Free |
$10/month |
$10/month |
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Market depth – Canadian Small Cap equities |
Free |
Free |
$10/month |
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TSX Venture level II |
$30/month |
$30/month |
$30/month |
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MX level I |
$10/month |
$10/month |
$10/month |
Professional User Fees*
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30 or more Trades Per Quarter |
Under 30 Trades Per Quarter |
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Real-time streaming level I quotes: |
$199/month |
$229/month |
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Real-time streaming level II quotes: |
$80/month |
Add only $100/month |
*A "Professional User" is any of the following:
An employee of (i) a member of any stock exchange, or (ii) a Canadian Investment Regulatory Organization (CIRO) Dealer Member, or (iii) any business registered under any securities law or regulation.
An individual or entity trading in the account as a paid agent for a third party.
An individual or entity whose account is in the name of a corporation, partnership or sole proprietorship.
Commission-free investments
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Mutual Funds
No commissions apply to buy, sell or switch. A short-term redemption fee may apply.1 -
Fixed Income
Commissions for Bonds, Strip Coupons, GICs, T-Bills and other fixed income and money market products are included in the quoted price. -
IPOs & New Issues
No commissions apply to New Issue expressions of interest.
Maintenance Fee
Household Program
Enrolling in the Household Program
Clients with a single account will be automatically enrolled. If you or your Canadian household has more than one account and want to join the program, give us a call to find out more.
To qualify for waived maintenance fees with the Household Program, any one of the following must be met:
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The combined assets of all your TD Direct Investing in your Canadian household accounts exceed $15,000.
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You register one or more of the accounts in your household in a Systematic Investment Plan (SIP), a pre-authorized deposit, or a pre-authorized contribution of at least $100 a month.
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You complete three or more trades which incur a commission in the preceding quarter within household accounts.
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You hold a Registered Disability Savings Plan (RDSP) account within your household.
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You are in the introductory six months of the first account opened within your household.
Qualifying for free real-time streaming quotes in Advanced Dashboard:
Make 30 or more trades which incur a commission5 in your combined household accounts in the preceding quarter, and everyone qualifies for real-time streaming quotes. This includes TSX and NASDAQ Level I and II, NYSE, and U.S. Options (OPRA).
Qualifying for Active Trader commission pricing:
Make 150 or more trades which incur a commission5 in your individual or combined household accounts in the preceding quarter, and every account qualifies for active trader pricing.
TD Investing Campaign for TD Direct Investing and TD Easy TradeTM
For a limited time only, transfer in $10,000 or more to an eligible a new or existing eligible TD Direct Investing or TD Easy Trade account and you could get up to 2% cash back. Conditions Apply†.
With a TD Active Trader account, you could get free market data.
Conditions apply. Limited time offer.
Designed for active traders, this platform offers advanced tools, customizable interfaces, and real time streaming data to enhance your trading strategies.
To qualify, open a new TD Active Trader account by November 30, 2026 and receive free market data until December 31, 2026.
See terms and conditions for more details.
As Canada's top digital brokerage6, we are dedicated to helping you invest for yourself, not by yourself. New or existing clients who open a new TD Direct Investing account could be eligible for a reimbursement of account transfer fees of up to $150 when $25,000 or more in assets are transferred from another financial institution7.
To qualify, an account statement must be provided showing transfer charges.
Transfer fee reimbursement is available for up to 4 transfers per client.
To get started, call us Monday to Friday 7 am to 9 pm ET at 1-800-465-5463.
See terms and conditions for more details.
Students, kickstart your investment journey with TD Direct Investing.
Earn up to $250 in value including a $50 cash reward, 10 commission-free trades and 50% discount on trading commissions by opening a new TD Direct Investing account. Conditions apply. Offer ends June 29, 2026.
International student? Make the most of your studies in Canada!
Start your student journey in Canada with a new TD Direct Investing account. Earn up to $250 in value including a $50 cash reward, 10 commission-free trades, and 50% discounted trading commissions. Conditions apply. Offer ends June 29, 2026.
TD Direct Investing Offer for Newcomers to Canada
Transfer in $10,000 or more to a new account and get 1% cash back (up to $10,000), plus 10 commission free trades & maintenance fees waived for a year. Use Promo Code: CANADA. Conditions apply. Offer ends June 3, 2026.
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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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November 1, 2024 – January 31, 2025: TD Direct Investing 2024-2025 Winter Offer |
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February 1, 2025 – March 31, 2025: TD Direct Investing 2025 Winter Wealth Goals |
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November 28, 2024 - May 31, 2025 : TD Direct Investing 2024-2025 FHSA 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 |
Other Fees & Rates
Open an account online – it's fast and easy
Whether you're new to self-directed investing or an experienced trader, we welcome you.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto‑Dominion Bank.
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†These select ETFs are available commission-free for digital trades only to all TD Direct Investing clients, which includes clients using, Webbroker, the TD app, Advanced dashboard (desktop and mobile) and the TD Active Trader platform ( desktop and mobile). Not applicable for trades placed on TD Easy Trade.
1 Short-Term Redemption Fee Policy
Funds held for less than 30 days are subject to a short-term redemption fee of 1% of redemption value or $45 (whichever is greater) and are in addition to any fee(s) the mutual fund company itself may charge.
2 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.
Trades must be completed on the TD Active Trader platform in order to qualify for free TD Active Trader market data fees.
3 Your household's quarterly trading activity will be reviewed on a monthly basis. The $7 Flat Fee Commission Rate is automatically effective by the 4th business day of each month using your eligible trading activity from the previous three calendar months. An eligible trade is defined as a commissionable filled equity or option order. Household accounts are defined as those TD Direct Investing accounts for clients living in the same household, with the same address. You must advise TD Direct Investing of these multiple account relationships. Trades executed through TD Direct Investing Global Trading are excluded for the purpose of evaluating your qualification for the $7 Flat Fee Commission Rate.
4 The maintenance fee will be evaluated at the end of each calendar quarter.
5 Trades which are considered to have incurred a commission or fee are: Buys and sells of Equities, Options, Mutual Funds with fees (excludes MERs), Fixed Income – Bonds, Treasury Bills, Bankers’ Acceptances, Bearer Deposit Notes, Commercial Paper and Crown Corporation Money Market Instruments. Buys and sells of GICs, Term Deposits, Canada Savings Bonds, Money Market Mutual Funds and Provincial Savings Bonds are not eligible trades.
6 Rated top digital broker by The Globe and Mail, as of February 13th, 2025.
7 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.
†† 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 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 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 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 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 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.
International Student Banking Package – Terms & Conditions
(Valid November 6, 2025 until May 4, 2026)
1 Value of up to $690 in welcome bonuses, savings and benefits is calculated as follows:
- TD Student Chequing Account Offer3: Earn $125 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 July 31, 2026:
1. Set up a recurring direct deposit from your employer or the Government.
2. Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50.
3. Make an online purchase using your TD Access Card with Visa* Debit.
4. Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account
- TD Cash Back Visa* Card Student Offer5: Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by May 4, 2026.5 Conditions apply.5^ Eligible for students only.
- TD Direct Investing Account Student Exclusive Offer6: 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.
- 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 Offer 8: Earn $50 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 International Student Exclusive Bundle Offer below8.
- Monthly Overdraft Protection Service Saving on the TD Student Chequing Account9: $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)9
All amounts are in Canadian dollars. Other conditions may apply. All offers are contingent on satisfying the criteria outlined in the respective offer terms and conditions.
2 To qualify for the International Student Banking Package, you must:
1. Be the age of majority at the time of account opening in your province or territory of residence,
2. Provide your unexpired Study Permit from the Government of Canada (e.g., IMM Form 1442, 1208, 1102),
3. Be a full-time post-secondary student enrolled in an accredited university or college in Canada with Proof of Enrollment (Proof of Enrollment is a document that has been issued by the school and contains the student's name, the name of the University or College, program, and year of study). Acceptable proof of enrollment can include:
a. a tuition invoice or statement of account from the school for the current period of study,
b. a detailed timetable (current or upcoming period of study),
c. letter from Registrar’s office verifying enrollment.
d. Transcripts displaying the school's name, student's full name, student type and the semester of study on school's letterhead.
4. For students studying in the Province of Quebec, a Quebec Acceptance Certificate (CAQ) is also required in addition to the documents noted above. If you have a Taxpayer Identification Number (TIN) and have not provided it before, you must provide it during your visit.
And provide 1 of the following pieces of personal identification:
- Valid passport
- Canadian driver’s license
- Government of Canada identification card
Note: Other identification documents may be acceptable or required. Please visit a TD branch for details.
3 TD Student Chequing Account Offer: The TD Student Chequing Account Offer is available to individuals qualifying as International Students who are full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere and that are the age of majority at time of account opening in their province or territory of residence. Eligible customers can earn $125 in cash by opening a new TD Student Chequing Account ("New Student Chequing Account") and completing the required actions:
1. Open a New Student Chequing Account between November 6, 2025, and May 4, 2026.
2. Earn $125 by completing any two of the following activities by July 31, 2026:
i. Set up 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.
ii. Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50.
iii. Make an online purchase using your TD Access Card with Visa* Debit.
iv. Set up a recurring Pre-authorized Transfer Service or Simply Save 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. 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 and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
Eligibility Restrictions:
- The offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a TD Chequing Account on or after November 6, 2025, but change the account to a type other than the TD Student Chequing Account before this offer is fulfilled;
- Customers who received any Chequing Account offers from TD from 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
- The $125 cash will be deposited into the New Student Chequing Account within 12 weeks after all required conditions have been met.
- At the time of fulfillment, the New Student Chequing Account must be open, in good standing, and all conditions continue to be met.
Additional Terms & Conditions:
- For any New Student Chequing Account that is a joint account, at least one account holder on the New Student Chequing Account must meet the eligibility requirements.
- Limit of one $125 cash offer (TD Student Chequing Account Offer) per New Student 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 unless otherwise indicated.
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
4 TD Savings Account Offer – Earn 4% Bonus Interest Rate for 90 Days:
Eligible customers 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 Savings Account Offer is available to individuals qualifying as International Students that are the age of majority at the time of account opening in their province or territory of residence. To qualify, you must:
1. Open a New Student Chequing Account
Open a New Student Chequing Account between November 6, 2025 and May 4, 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 May 4, 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
This offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a New Student Chequing Account on or after November 6, 2025, but change the account to a type other than the TD Student Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account as of November 5, 2025;
- Customers who had a TD Savings Account that was closed on or after November 6, 2024;
- Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; 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.
- 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
5 TD Cash Back Visa* Card Offer Terms and Conditions:
Annual interest rates, fees and features are current as of April 30, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on November 6, 2025 and ends May 4, 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 May 4, 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 Dollar 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 |
^ Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, 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.
6 TD Direct Investing Account Student Exclusive Offer Terms and Conditions: 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 May 4, 2026. Please check the full terms and conditions for details.
Eligibility: Open a new TD Direct Investing account by May 4, 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) 10
- First Home Savings Account (FHSA)10
- Registered Retirement Savings Plan (RRSP)10
- 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)11
- Self-Directed Locked-In Retirement Accounts (LIRA)10
- Self-Directed Locked-In Retirement Savings Plan (LRSP)12
- Retirement Income Fund (RIFs)10
- Life Income Fund (LIF)10
- Registered Disability Savings Plan (RDSP)10
- 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 May 4, 2026.
o 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 May 31, 2026.
o 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.
o Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
o 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.
o 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 July 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.
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 International Student Exclusive Bundle Offer :
The $50 cash offer is available to individuals qualifying for the International Student Banking Package that are the age of majority at time of account opening in their province or territory. Eligible customers can earn $50 in cash by bundling a New Student Chequing Account, New Savings Account, and an eligible new TD Credit Card, and completing the required activities within the specified timelines:
1. Open an eligible New Student Chequing Account
- Open a New Student Chequing Account between November 6, 2025 and May 4, 2026, and
2. Open an eligible New Savings Account and complete one activity
- Open a New Savings Account by May 4, 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, 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") by June 4, 2026.
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 November 5, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a New Student Chequing Account on or after November 6, 2025, but change the account to a type other than the TD Student Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account as of November 5, 2025;
- Customers who had a TD Savings Account that was closed on or after November 6, 2024;
- Customers who received any Savings Account offer from TD in 2023, 2024, 2025; 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 November 5, 2025.
- Customers who have activated and/or closed a personal TD Credit Card account in the past 12 months.
Fulfillment:
- The $50 cash offer (International Student Exclusive 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.
Additional Terms & Conditions:
- 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.
- Maximum of one $50 cash offer (International Student Exclusive Bundle Offer) per New Savings Account and New TD Credit Card.
- Limit of one 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.
9 Monthly Overdraft Protection Service Saving on the TD Student Chequing Account: Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing 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.
10 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.
11 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
12 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.
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.
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 July 31, 2026
1. Set up a recurring direct deposit from your employer or the Government.
2. Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50∑, ∏
3. Make an online purchase using your TD Access Card with Visa* Debit.
4. 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 May 4, 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 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)
- 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 July 31, 2026∑; (b) Open an eligible Credit Card by May 4, 2026 and meet the qualifying conditions in accordance with the $25 Uber Gift Card Offer β by July 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 May 4, 2026 (the “New Account”) and complete any two of the following with the New Account before July 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 July 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) Set up Auto deposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50 by July 31, 2026;
iii) Make an online purchase using your TD Access Card with Visa*Debit by July 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 July 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;
For more information about transactions and a complete list of account fees and Overdraft Protection Service 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 May 4, 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 May 4, 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 May 4, 2026. Please check the full terms and conditions for details.
Eligibility: Open a new TD Direct Investing account by May 4, 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 May 4, 2026.
o 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 May 31, 2026.
o 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.
o Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
o 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.
o 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 July 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.
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 May 4, 2026 and complete any two of the following with the New Account before July 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 July 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) Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50 by July 31, 2026;
(iii) Make an online purchase using your TD Access Card with Visa* Debit by July 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 July 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 May 4, 2026 and be approved and activate it by July 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.
New to Canada Banking Package – Terms & Conditions
(Valid November 6, 2025 until March 3, 2026)
1 Value of up to $1,890 in welcome bonuses, savings and benefits is calculated as follows:
- TD Unlimited Chequing Account 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.
- Limited Time TD Unlimited Chequing Account Offer4: Earn $500 in cash when you open a TD Unlimited Chequing Account (“New Chequing Account”) by March 3, 2026 and complete the qualifying criteria in accordance with Limited Time TD Unlimited Chequing Account Offer below4.
- 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") by March 3, 2026 and completes the qualifying criteria in accordance with 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.
- TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer6: Earn up to $424 in value7, including up to 15,000 Aeroplan points6,8 and no Annual Fee for the first year6. Conditions Apply7. Account must be opened by March 3, 2026.
- TD Global Transfer Offer12: 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.
- TD Direct Investing Offer13: $300 value is based on the combined total value of:
o At least $100 in Cash Back when meeting the minimum funding requirement of $10,000 (Up to 2% Cashback with a maximum award of $5,000).
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 by November 6, 2025. This offer begins on November 6, 2025 and ends on March 3, 2026. Please see the complete terms and conditions below for eligibility.
- Limited Time Bundle Offer14: Earn $250 in cash when a New Chequing Account customer opens a New Savings Account, applies, is approved for, and opens a new TD Credit Card14 AND TD Overdraft Protection service in accordance with Limited Time Bundle Offer below14.
All amounts are in Canadian dollars. Other conditions may apply.
2 To qualify for the New to Canada Banking Package, you must be the age of majority at time of account opening in your province or territory of residence and must be a Permanent Resident or Temporary Resident of Canada for 5 years or less and 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)
And provide 1 of the following pieces of personal identification:
- Valid passport
- Canadian driver’s license
- Government of Canada identification card
Note: Other identification documents may be acceptable or required. Please visit a TD branch for details.
We reserve the right to change, extend or withdraw this offer at any time.
3 TD Unlimited Chequing Account 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 Limited Time TD Unlimited Chequing Account Offer: The Limited Time 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 November 6, 2025 and March 3, 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 May 5, 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 November 5, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a New Chequing Account on or after November 6, 2025, 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 2023, 2024, 2025; 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 (Limited Time 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 November 6, 2025 and March 3, 2026, and
2. Open a New Savings Account
Open a New Savings Account by March 3, 2026;
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”).
- 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 November 5, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a New Chequing Account on or after November 6, 2025, 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 November 5, 2025;
- Customers who had a TD Savings Account that was closed on or after November 6, 2024;
- Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; 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.
- 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: This Offer starts on November 6, 2025 and ends March 3, 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 March 3, 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 5,000 bonus Aeroplan points ("Additional Bonus"), if $1,000 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 March 3, 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 March 3, 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) if the primary cardholder's credit card is not activated by November 5, 2025, amend this offer to reflect the current offer available at the time the card is activated. 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 the forfeiture of any bonus points not yet awarded under this offer.
Interest rates, fees and features are effective as of April 30, 2025 unless otherwise indicated and are subject to change.
7 Offer ends March 3, 2026. The value up to $424 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;
- $300: 15,000 Aeroplan points earned based on the following requirements:
o Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card.
o Additional Bonus of 5,000 Aeroplan Points earned when you spend $1,000 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 April 30, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on November 5, 2025 and ends March 3, 2026 ("Offer Period") and is only available to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by March 3, 2025. 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.
10 Account must be approved by March 3, 2026. Account must be approved, open and in Good Standing while this offer is in effect. Welcome Bonus of 15,152 TD Rewards Points ("Welcome Bonus") will be awarded to the TD Rewards Visa ("Account") only after you make $500 in Purchases on your Account, including your first eligible Purchase, within 90 days of Account opening. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Welcome Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.
11 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.
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 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 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 2% cash back on cumulative eligible transfers for a Cash back Offer (the "award"), up to 10 commission-free trades (up to $9.99 per trade) and quarterly maintenance fees rebated for the first year (up to $25 per calendar quarter). This offer begins on November 6, 2025 and ends on March 3, 2026. Please see the complete terms and conditions below for eligibility.
Eligibility:
1. Enroll in the New to Canada banking package prior to the completion of a NEW TD Direct Investing account application. Confirm enrollment through a TD branch or by calling the EasyLine telephone banking service at 1-866-222-3456.
2. Open a NEW TD Direct Investing account ("New Account") by March 3, 2026 using the promo code CANADA.
Eligible "Account(s)" for the 1% Cash Back Offer:
· Cash (single or joint account holder)
· Margin (single or joint account holder)
Eligible "Account(s)" for the 2% Cash Back Offer:
- Tax-Free Savings Account (TFSA) 17
- Registered Retirement Savings Plan (RRSP)17
- First Home Savings Account (FHSA)17
Account(s) not eligible for the Offer:
- Any non-personal accounts
- Registered Education Savings Plan (RESP)18
- Self-Directed Locked-In Retirement Accounts (LIRA)17
- Self-Directed Locked-In Retirement Savings Plan (LRSP)19
- Retirement Income Fund (RIFs)17
- Life Income Fund (LIF)17
- Registered Disability Savings Plan (RDSP)17
- TD Easy Trade™ accounts are not eligible for this offer.
To be eligible for the Offer, a client must:
- Open a new TD Direct Investing account.
- Be registered for the TD New to Canada Banking Package.
- 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:
- Open a new TD Direct Investing account(s) using the promo code CANADA by March 3, 2026.
- 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 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 March 31, 2026:
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 March 31, 2027 ("Holding Period").
a. Any withdrawals, de-registers, or transfers out from any account(s) (whether eligible or not eligible for the offer), during the Offer Period, 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 funding deadline will not form part of the Qualifying Assets
4. 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.
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.
Cashback Award Details:
- Clients are eligible to receive up to 2% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The Cashback award will be paid in Canadian dollars (CAD) to the eligible client account by April 30, 2027.
- 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 total funding amount of Qualifying Assets in the enrolled account(s) as of March 31, 2027. The total funding amount is how much you've transferred in, minus your net withdrawals across all accounts during the Offer Period.
- The maximum award a client can receive is $5,000.
- Where the client's Qualifying Assets are transferred to only one new (whether single or joint), the award will be deposited into that account. Where a client has enrolled in multiple accounts that qualify for the offer, the award will be divided and deposited to each account in proportion to the value of Qualifying Assets transferred into each account.
Commission-Free Trade Details:
- Up to 10 full or partial share trade commissions will be rebated (up to $9.99). Only trades placed in the first 12 months since account opening will be eligible for this rebate.
- 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.
- If either full or partial share trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in United States dollars (USD) will be rebated in USD to a maximum of $9.99/trade USD.
Maintenance Fee Rebate Details:
- 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.
- 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.
Further Terms and Conditions:
- To receive the award, a client must keep the account in good standing until the offer 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 not eligible for this offer.
- This offer may not be combined with any other TD Direct Investing promotions.
- This offer may be changed, extended or withdrawn at any time without notice.
- Assets that have previously qualified for or received award 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 is not transferable.
- 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 offer 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). USD balances will be converted into CAD 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.
14 Limited Time Bundle Offer:
The $250 cash offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. Eligible customers can earn $250 in cash by bundling a New Chequing Account with a New Savings Account, an eligible new TD Credit Card AND any TD Overdraft Protection service, and completing the required activities within the specified timelines:
1. Open a New Chequing Account
Open a New Chequing Account between November 6, 2025 and March 3, 2026, and
2. Open a New Savings Account and Complete One Activity
- Open a New Savings Account by March 3, 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.
or
ii. Set up Simply Save.
3. Open a New TD Credit Card
- Apply, be approved for, and open 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") by April 3, 2026.
The New TD Credit Card must be kept open, active and in good standing for at least 60 days from the date of opening.
4. Add a TD Overdraft Protection (ODP) Service
- Apply, be approved for, and add ODP (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account by April 3, 2026 (the “New ODP”).
- Keep the New ODP 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 November 5, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a New Chequing Account on or after November 6, 2025, but
- change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account as of November 5, 2025;
- Customers who had a TD Savings Account that was closed on or after November 6, 2024;
- Customers who received any Savings Account offer from TD in 2023, 2024, 2025; 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 November 5, 2025.
- Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
- Customers who already have a TD Chequing Account with ODP in place on November 6, 2025.
Fulfillment:
- The $250 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, New TD Credit Card and New TD Overdraft Protection Plan 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.
- For any New Chequing Account that is a joint account, all account holders on the New Chequing Account must meet the ODP eligibility requirements. Each account holder must be of age of majority in their province of residence to apply for ODP and is subject to credit approval. Monthly Plan Overdraft Protection service fee is $5.00 a month on TD Unlimited Chequing Account (Quebec accounts with Monthly Plan Overdraft Protection pay $0.00 a month). Pay As You Go Overdraft Protection service fee is $5.00 for each eligible overdraft transaction (maximum of $5.00 a day regardless of number of overdraft transactions). The amount in overdraft is subject to an interest rate of 21% per annum. ODP fees and interest rates are current as of July 1, 2025, unless otherwise indicated and subject to change.
- Maximum of one $250 cash offer (Limited Time Bundle Offer) per New Savings Account, New TD Credit Card and New ODP.
- Limit of one $250 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.
18 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
19 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
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 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.
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 2024-2025 TD Active Trader Offer (the “Offer”)
- This offer is available to clients who open a new TD Active Trader account between June 15, 2024 and November 30, 2025.
- Client must be a TD Active Trader user onboarded between June 15, 2024 and December 31, 2025 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 for the period from the date onboarded starting June 15, 2024 until December 31, 2025.
- 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, 2025.
- The TD Active Trader account must be opened prior to November 30, 2025.
- 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.
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.
- 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.
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 November 6, 2025 until June 29, 2026)
1 Value of up to $690 in welcome bonuses, savings and benefits is calculated as follows:
- TD Student Chequing Account Offer3: Earn $125 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 August 31, 2026:
- Set up 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
- TD Cash Back Visa* Card Student Offer5: Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by June 29, 2026.5 Conditions apply.5^ Eligible for students only.
- TD Direct Investing Account Student Exclusive Offer6: 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.
- 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 Offer 8: Earn $50 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 International Student Exclusive Bundle Offer below8.
- Monthly Overdraft Protection Service Saving on the TD Student Chequing Account9: $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a 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.9
All amounts are in Canadian dollars. Other conditions may apply. All offers are contingent on satisfying the criteria outlined in the respective offer terms and conditions.
2 To qualify for the International Student Banking Package, you must:
- Be the age of majority at the time of account opening in your province or territory of residence,
- Provide your unexpired Study Permit from the Government of Canada (e.g., IMM Form 1442, 1208, 1102).
- Provide your proof of full-time enrollment in an accredited university or college in Canada with Proof of Enrollment (Proof of Enrollment is a document that has been issued by the school and contains the student's name, the name of the University or College, program, and year of study). Acceptable proof of enrollment can include:
- a tuition invoice or statement of account from the school for the current period of study,
- a detailed timetable (current or upcoming period of study),
- letter from Registrar’s office verifying enrollment.
- Transcripts displaying the school's name, student's full name, student type and the semester of study on school's letterhead.
- For students studying in the Province of Quebec, a Quebec Acceptance Certificate (CAQ) is also required in addition to the documents noted above. If you have a Taxpayer Identification Number (TIN) and have not provided it before, you must provide it during your visit.
And provide 1 of the following pieces of personal identification:
- Valid passport
- Canadian driver's license
- Government of Canada identification card
Note: Other identification documents may be acceptable or required. Please visit a TD branch for details.
3 TD Student Chequing Account Offer: The TD Student Chequing Account Offer is available to individuals qualifying as International Students who are full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere and that are the age of majority at time of account opening in their province or territory of residence. Eligible customers can earn $125 in cash by opening a new TD Student Chequing Account ("New Student Chequing Account") and completing the required actions:
1. Open a New Student Chequing Account between November 6, 2025, and June 29, 2026.
2. Earn $125 by completing any two of the following activities by August 31, 2026:
i. Set up 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.
ii. Send or receive one e-Transfer of at least $30.
iii. Make an online purchase using your TD Access Card with Visa* Debit.
iv. Set up a recurring Pre-authorized Transfer Service or Simply Save 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. 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 and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
Eligibility Restrictions:
- The offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a TD Chequing Account on or after November 6, 2025, but change the account to a type other than the TD Student Chequing Account before this offer is fulfilled;
- Customers who received any Chequing Account offers from TD from 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
- The $125 cash will be deposited into the New Student Chequing Account within 12 weeks after all required conditions have been met.
- At the time of fulfillment, the New Student Chequing Account must be open, in good standing, and all conditions continue to be met.
Additional Terms & Conditions:
- For any New Student Chequing Account that is a joint account, at least one account holder on the New Student Chequing Account must meet the eligibility requirements.
- Limit of one $125 cash offer (TD Student Chequing Account Offer) per New Student 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 unless otherwise indicated.
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
4 TD Savings Account Offer – Earn 4% Bonus Interest Rate for 90 Days:
Eligible customers 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 Savings Account Offer is available to individuals qualifying as International Students that are the age of majority at the time of account opening in their province or territory of residence. To qualify, you must:
1. Open a New Student Chequing Account
Open a New Student Chequing Account between November 6, 2025 and June 29, 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 June 29, 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
This offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
- Customers who open a New Student Chequing Account on or after November 6, 2025, but change the account to a type other than the TD Student Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account as of November 5, 2025;
- Customers who had a TD Savings Account that was closed on or after November 6, 2024;
- Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; 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.
- 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.
5 TD Cash Back Visa* Card 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 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 Dollar 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.
^ Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, 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.
6 TD Direct Investing Account Student Exclusive Offer Terms and Conditions: 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) 10
- First Home Savings Account (FHSA)10
- Registered Retirement Savings Plan (RRSP)10
- 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)11
- Self-Directed Locked-In Retirement Accounts (LIRA)10
- Self-Directed Locked-In Retirement Savings Plan (LRSP)12
- Retirement Income Fund (RIFs)10
- Life Income Fund (LIF)10
- Registered Disability Savings Plan (RDSP)10
- 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:
- 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).
- 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.
- 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.
- 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.
- Maintenance fees charged to the account will be rebated on a quarterly calendar basis during the first 12 months after the account is opened.
- If the client turns 26 within the first year, rebate promotions stay active until the end of that 12-month period.
- 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.
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 https://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 International Student Exclusive Bundle Offer :
The $50 cash offer is available to individuals qualifying for the International Student Banking Package that are the age of majority at time of account opening in their province or territory. Eligible customers can earn $50 in cash by bundling a New Student Chequing Account, New Savings Account, and an eligible new TD Credit Card, and completing the required activities within the specified timelines:
1. Open an eligible New Student Chequing Account
2. Open an eligible New Savings Account and complete one activity
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
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:
Fulfillment:
Additional Terms & Conditions:
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
9 Monthly Overdraft Protection Service Saving on the TD Student Chequing Account: Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing 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.
10 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.
11 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
12 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.
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 March 4, 2026 until June 3, 2026)
1 Value of up to $1,890 in welcome bonuses, savings and benefits is calculated as follows:
- TD Unlimited Chequing Account 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.
- Limited Time TD Unlimited Chequing Account Offer4: Earn $500 in cash when you open a TD Unlimited Chequing Account (“New Chequing Account”) by June 3, 2026 and complete the qualifying criteria in accordance with Limited Time TD Unlimited Chequing Account Offer below4.
- 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 in accordance with 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.
- TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer6: Earn up to $424 in value7, including up to 15,000 Aeroplan points6,8 and no Annual Fee for the first year6. Conditions Apply7. Account must be opened by June 3, 2026.
- TD Global Transfer Offer12: 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 third-parties involved in transferring the money may charge additional fees to the recipient of the funds.
- TD Direct Investing Offer13: Earn up to $300 in value when you enroll in the TD New to Canada Banking Package, open a new TD Direct Investing Account, and fund the new account. $300 is based on the combined total value of:
- At least $100 in Cash Back when meeting the minimum funding requirement of $10,000 (Up to 1% cash back with a maximum award of $10,000).
- Up to $100 in value from 10 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 by March 4, 2026. This offer begins on March 4, 2026 and ends on June 3, 2026. Please see the complete terms and conditions below for eligibility.
- Limited Time Bundle Offer14: Earn $250 in cash when a New Chequing Account customer opens a New Savings Account, applies, is approved for, and opens a new TD Credit Card14 AND TD Overdraft Protection service in accordance with Limited Time 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:
- 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.
- 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)
- 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 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 Limited Time TD Unlimited Chequing Account Offer: The Limited Time 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 March 4, 2026 and June 3, 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 August 5, 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 March 3, 2026;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after March 4, 2025;
- Customers who open a New Chequing Account on or after March 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 (Limited Time 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 March 4, 2026 and June 3, 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 March 3, 2026;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after March 4, 2025;
- Customers who open a New Chequing Account on or after March 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 March 3, 2026;
- Customers who had a TD Savings Account that was closed on or after March 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: This Offer starts on March 4, 2026 and ends June 3, 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 June 3, 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 5,000 bonus Aeroplan points ("Additional Bonus"), if $1,000 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 June 3, 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 June 3, 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) if the primary cardholder's credit card is not activated by June 3, 2026, amend this offer to reflect the current offer available at the time the card is activated. 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 the forfeiture of any bonus points not yet awarded under this offer.
Interest rates, fees and features are effective as of April 30, 2025 unless otherwise indicated and are subject to change.
7 Offer ends June 3, 2026. The value up to $424 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;
- $300: 15,000 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 5,000 Aeroplan Points earned when you spend $1,000 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 April 30, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on March 4, 2026 and ends June 3, 2026 ("Offer Period") and is only available to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by June 3, 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.
10 Account must be opened by June 3, 2026. Account must be approved, open and in Good Standing while this offer is in effect. Welcome Bonus of 15,152 TD Rewards Points ("Welcome Bonus") will be awarded to the TD Rewards Visa ("Account") only after you make $500 in Purchases on your Account, including your first eligible Purchase, within 90 days of Account opening. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Welcome Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.
11 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.
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 1% cash back on cumulative eligible transfers for a Cash back Offer (the "award"), up to 10 free trades (up to $9.99 per trade) and quarterly maintenance fees rebated for the first year (up to $25 per calendar quarter). This offer begins on March 4, 2026 and ends on June 3, 2026. Please see the complete terms and conditions below for eligibility.
Eligibility:
1. Enroll in the New to Canada Banking Package prior to the completion of a NEW TD Direct Investing account application. Enrollment in the New to Canada Banking Package can be confirmed through a TD Canada Trust branch or by calling the EasyLine telephone banking service at 1-866-222-3456.
2. Open a NEW TD Direct Investing account ("New Account") by June 3, 2026 using the promo code CANADA.
Eligible "Account(s)" for the 1% Cash Back Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (TFSA) 17
- Registered Retirement Savings Plan (RRSP)17
- First Home Savings Account (FHSA)17
Account(s) not eligible for the Offer:
- Any non-personal accounts
- Registered Education Savings Plan (RESP)18
- Self-Directed Locked-In Retirement Accounts (LIRA)17
- Self-Directed Locked-In Retirement Savings Plan (LRSP)19
- Retirement Income Fund (RIFs)17
- Life Income Fund (LIF)17
- Registered Disability Savings Plan (RDSP)17
- TD Easy Trade™ accounts are not eligible for this offer.
To be eligible for the Offer, a client must:
- Open a new, eligible TD Direct Investing Account.
- Be registered for the TD New to Canada Banking Package.
- 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, eligible TD Direct Investing Account(s) using the promo code CANADA by June 3, 2026.
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 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 June 30, 2026:
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 June 30, 2027 ("Holding Period").
a. Any withdrawals, de-registers, or transfers out from any eligible account(s) during the Offer Period, 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 funding deadline will not form part of the Qualifying Assets
4. To receive commission trade rebates, clients must make their first 10 eligible trades in a new, eligible 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.
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.
Cashback Award Details:
- Clients are eligible to receive up to 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The Cashback award will be paid in Canadian dollars (CAD) to the new, eligible Account(s) by July 30, 2027.
- 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 total funding amount of Qualifying Assets in the eligible Account(s) as of June 30, 2027. The total funding amount is how much you've transferred in, minus your net withdrawals across all eligible Accounts during the Offer Period.
- The maximum award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new eligible account (whether single or joint), the award will be deposited into that Account. Where a client has enrolled in multiple eligible Accounts that qualify for the offer, the award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
- For any Qualifying Assets 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 Total Funding Amount regardless of which account holder completed it. There is no impact to any additional account holder(s).
Free Trade Details:
- Up to 10 full or partial share trade commissions will be rebated (up to $9.99). Only trades placed in the first 12 months since Account opening will be eligible for this rebate.
- 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.
- If either full or partial share trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in United States dollars (USD) will be rebated in USD to a maximum of $9.99/trade USD.
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.
- 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.
Further Terms and Conditions:
- To receive the award, a client must keep the Account in good standing until the offer 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 not eligible for this offer.
- Once the promotion is applied to an Account, it cannot be combined with other TD Direct Investing promotions during the fulfilment period.
- This offer may be changed, extended or withdrawn at any time without notice.
- Assets that have previously qualified for or received award 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 is not transferable.
- 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 offer 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). USD balances will be converted into CAD 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.
14 Limited Time Bundle Offer:
The $250 cash offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. Eligible customers can earn $250 in cash by bundling a New Chequing Account with a New Savings Account, an eligible new TD Credit Card AND any TD Overdraft Protection service, and completing the required activities within the specified timelines:
1. Open a New Chequing Account
Open a New Chequing Account between March 4, 2026 and June 3, 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:
- Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
or
- Set up Simply Save.
- Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
3. Open a New TD Credit Card
- Apply, be approved for, and open 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.
4. Add a TD Overdraft Protection (ODP) Service
- Apply, be approved for, and add ODP (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account within 30 days of the New Chequing Account opening (the “New ODP”).
- Keep the New ODP 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 March 3, 2026;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after March 4, 2025;
- Customers who open a New Chequing Account on or after March 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 March 3, 2026;
- Customers who had a TD Savings Account that was closed on or after March 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 March 3, 2026.
- Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
- Customers who already have a TD Chequing Account with ODP in place on March 3, 2026.
Fulfillment:
- The $250 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, New TD Credit Card and New TD Overdraft Protection Plan 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.
- For any New Chequing Account that is a joint account, all account holders on the New Chequing Account must meet the ODP eligibility requirements. Each account holder must be of age of majority in their province of residence to apply for ODP and is subject to credit approval. Monthly Plan Overdraft Protection service fee is $5.00 a month on TD Unlimited Chequing Account (Quebec accounts with Monthly Plan Overdraft Protection pay $0.00 a month). Pay As You Go Overdraft Protection service fee is $5.00 for each eligible overdraft transaction (maximum of $5.00 a day regardless of number of overdraft transactions). The amount in overdraft is subject to an interest rate of 21% per annum. ODP fees and interest rates are current as of July 1, 2025, unless otherwise indicated and subject to change.
- Maximum of one $250 cash offer (Limited Time Bundle Offer) per New Savings Account, New TD Credit Card and New ODP.
- Limit of one $250 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.
18 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
19 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
20 Using 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 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.
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.