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Invest in your Canadian future today!
Open a TD Direct Investing account, transfer $ 10,000 or more, and enjoy 1% cash back plus 10 free trades. Conditions apply1 . Offer ends June 3, 2026.
Investing in Canada: We've got your back
When it comes to investing, you’re not alone.
With TD Direct Investing:
- There are various investment products and platforms to pick from
- There’s no minimum investment required to open an account
- Tools, resources, and insights from seasoned professionals are available
Why investors choose TD Direct Investing
Investing opportunities for newcomers to Canada
-
International Students
-
Foreign Workers
-
Permanent Residents
What you should know before investing
- To start trading (buying and selling) securities in Canada, you need to open a non-registered cash account.
- Our optimal trading service for newcomers is TD Direct Investing.
What you'll need to open a cash account:
- A Canadian student permit valid for at least 6 months
- A temporary Social Insurance Number (SIN) (apply online)
- An eligible foreign passport
TD Direct Investing allows you to trade these assets:
- Canadian and U.S. Stocks
- Bonds
- Exchange-Traded Funds (ETFs)
- Mutual Funds
- Guaranteed Investment Certificates (GICs)
Investing platforms for you to consider
WebBroker
A comprehensive online trading platform for investors with any skill level.
Advanced features: Real-time quotes, advanced charting tools, customizable dashboard, and watchlists.
Portfolio management: Manage trades, track performance, and adjust when needed.
TD app
A convenient app that allows you to do your everyday banking and investing all from one place.
Advanced features: Real-time news and alerts with a customizable dashboard.
Portfolio management: Track active orders, place trades, and easily transfer funds between accounts.
Looking for more advanced platforms geared toward active traders? Then check out TD Active Trader and Advanced Dashboard.
What you should know before investing
- To start trading (buying and selling) securities in Canada, you need to open a non-registered cash account.
- Our optimal trading service for newcomers is TD Direct Investing.
What you'll need to open a cash account:
- A Canadian work permit valid for at least 6 months
- A temporary Social Insurance Number (SIN) (apply online)
- An eligible foreign passport
TD Direct Investing allows you to trade these assets:
- Canadian and U.S. Stocks
- Bonds
- Exchange-Traded Funds (ETFs)
- Mutual Funds
- Guaranteed Investment Certificates (GICs)
Investing platforms for you to consider
WebBroker
A comprehensive online trading platform for investors with any skill level.
Advanced features: Real-time quotes, advanced charting tools, customizable dashboard, and watchlists.
Portfolio management: Manage trades, track performance, and adjust when needed.
TD app
A convenient app that allows you to do your everyday banking and investing all from one place.
Advanced features: Real-time news and alerts with a customizable dashboard.
Portfolio management: Track active orders, place trades, and easily transfer funds between accounts.
Looking for more advanced platforms geared toward active traders? Then check out TD Active Trader and Advanced Dashboard.
What you should know before investing
- You’re eligible to open any investing accounts offered by TD.
- You can open these accounts either online or in-person at a branch.
- Your platform of choice must be able to support the investing account(s) you open.
What you need to open an investing account:
- A Social Insurance Number (SIN) (apply online)
- A Canadian Government ID Card or an eligible foreign passport
Explore our services
The service you pick depends on the products you want to invest in, how advanced you want your tools and whether you prefer to trade using a browser or an app.
Prefer an in-person experience?
Investing platforms for you to consider
WebBroker
A comprehensive online trading platform for investors with any skill level.
Advanced features: Real-time quotes, advanced charting tools, customizable dashboard, and watchlists.
Portfolio management: Manage trades, track performance, and adjust when needed.
TD app
A convenient app that allows you to do your everyday banking and investing all from one place.
Advanced features: Real-time news and alerts with a customizable dashboard.
Portfolio management: Track active orders, place trades, and easily transfer funds between accounts.
TD Easy TradeTM
A simplified trading app for beginner investors who want to invest in stocks and TD ETFs.
Advanced features: Set up alerts for price changes, explore market insights, and research.
Portfolio management: View your current holdings, transaction history, and returns.
Looking for more advanced platforms geared toward active traders? Then check out TD Active Trader and Advanced Dashboard.
Resources for all learning styles
Got questions? Start with our FAQs
International students and foreign workers can open a non-registered cash account to buy and sell securities, like stocks and mutual funds.
Yes. The Canadian Revenue Agency (CRA) requires that you have a SIN for tax reporting when investing in Canada.
Yes, you can receive a wire transfer from your overseas account directly into your TD Direct Investing account or wire the funds to your Canadian bank account, then transfer the funds.
Get help opening your account
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TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan
This TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan (the "Plan") applies to TD Waterhouse Insurance Services Inc. and TD Waterhouse Canada Inc., including its divisions, TD Direct Investing (including TD Easy Trade™, which is a service of TD Direct Investing), TD Wealth Financial Planning (including TD Wealth Financial Planning Direct, which is a service of TD Wealth Financial Planning) and TD Wealth Private Investment Advice (collectively, "TD Wealth").
Commitment to Accessibility
TD Wealth is committed to ensuring that every employee and client receives equitable treatment with respect to employment and services, without discrimination, and receives accommodation in compliance with legal and regulatory requirements.
Through progressive policies, communication and training, accommodation measures and recruitment practices, TD Wealth strives to provide a fully inclusive, barrier-free environment.
TD Wealth is dedicated to creating a welcoming, fair, and inclusive environment for TD Wealth clients and employees.
Our Plan is aligned with the TD Bank Group Accessibility Policy (Canada).
Additional information is available on the Accessibility at TD: Meeting Customer Needs website.
TD Wealth Multi-year Accessibility Plan 2025-2030
TD Wealth has established this Plan which outlines our strategy to prevent and remove barriers to meeting the accessibility needs of people with disabilities. The Plan is reviewed and updated at least once every five years.
The Plan is available in an accessible format upon request.
Accessibility Policies
Diversity and inclusiveness play a big part in TD Wealth's corporate responsibility model. TD Wealth is committed to being a welcoming place for all our clients and employees. Although TD Wealth has implemented policies and processes relating to accessibility for our clients and employees, we are committed to reviewing these policies and enhancing them as circumstances evolve.
The TD Wealth Accessibility Policy (Canada) is available upon request and can be made available in an accessible format.
Communicating with people with disabilities and Accessible Formats
TD Wealth is committed to creating, providing and receiving information and communications with people with disabilities in ways that consider their disability.
TD Wealth is committed to providing clients with the choice of document format that best suits the client's needs.
Upon request, clients can receive documentation in formats designed for the visually impaired. These alternative formats include, but are not limited to, braille, large format and audio recording.
TD Wealth will record the format preference and send future documentation or communication in the format desired on a best effort basis.
Assistive Devices
TD Wealth is committed to serving people with disabilities who use assistive devices to obtain or use our products and services.
TD Wealth provides training for all employees regarding the availability of assistive devices and how they may access information about assistive technologies.
Use of service animals and support persons
People with disabilities may bring a service animal onto public TD Wealth premises. TD Wealth provides training for all employees, contractors, volunteers, and others who represent TD Wealth regarding how to interact with people with disabilities who are accompanied by a service animal.
Any person with a disability who is accompanied by a support person (e.g. sign language interpreter, attendant, etc.) will be allowed to enter TD Wealth premises that are open to the public with their support person. At no time will a person with a disability be prevented from accessing their support person while on TD Wealth premises.
In situations where TD Wealth has obligations under privacy laws or has issues of confidentiality, a support person may be requested to agree to the requirements of service just as the person with the disability does.
When support persons are required for meetings, consultations, or other events, we will work together with the person with the disability to meet their needs.
Feedback process
If you have feedback on our accessibility efforts or would like to request a copy of the Policy or the Plan, please contact us:
Mailing address: Accessibility at TD, Accessibility Office, P.O. Box 1, Toronto-Dominion Centre, Toronto, Ontario M5K 1A2
Toll-Free: 1-833-316-3554
Teletypewriter (TTY): 1-800-361-1180
Video Relay Service: 1-844-229-0787 (ASL)
Email: accessibility@td.com
Any complaints received via feedback will be reviewed and addressed in accordance with TD Wealth complaint handling protocols.
TD Wealth will continue to ensure that our process for receiving and responding to feedback is accessible to people with disabilities by providing, or arranging for the provision of, accessible formats and communication supports, upon request.
Accessible Websites and Web Content
TD Wealth will make websites and web content accessible to people with disabilities by conforming to the international standards of the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG).
TD Wealth websites and web content will be compliant with the expectations and timelines under applicable legal and regulatory requirements.
Temporary disruptions
In the event of a planned or unexpected disruption in facilities or services, TD Wealth will provide information about the reason for the disruption, how long it is expected to last, and a description of any alternative facilities or services available (where applicable).
Training
TD Wealth will provide accessibility training focused on the provision of products and services to our clients.
Training will also be provided to employees involved in the development of policies, practices, and procedures regarding the provision of products and services.
Training will be provided to each person as soon as possible after they are assigned applicable duties.
†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 Rated top digital broker by The Globe and Mail, as of February 13th, 2025.
2 Our ongoing commitment to providing innovative platforms for Canadian self-directed investors began with the launch of TD Green Line Investor Services in 1984. Over time, we became TD Waterhouse and now, TD Direct Investing.
To work or earn investment income in Canada, you need a temporary SIN (a 9-digit number that starts with 9). You can apply for one online or in-person at a Service Canada location.
To work or earn investment income in Canada, you need a SIN. You can apply for one online or in-person at a Service Canada location.
Canadian and U.S. Stocks
- Diversification is limited to the stocks you choose since each stock represents a share of a single company.
- There’s a potential for higher risk due to market fluctuations.
- You can buy and sell stocks during market hours, making your investment accessible.
- You pay taxes on capital gains (profits from buying and selling stocks).
Bonds
- Diversification is limited to the type of bonds you get or number of issuers you purchase from.
- The level of risk relies on whether the issuer defaults on their debt obligation.
- You can buy or sell bonds according to the factors stipulated by the issuer.
- The tax treatment for bonds depends on various factors, like the type of bonds and whether they're tax-exempted, etc.
Exchange-Traded Funds (ETFs)
- With ETFs, you’re investing in multiple assets within a single investment.
- The risk level depends on the assets that are tracked and how volatile they are to market changes.
- You can buy and sell ETFs during market hours making your investment accessible.
- You pay taxes on capital gains (profits from buying and selling ETFs).
Mutual Funds
- Investments are spread over a variety of assets.
- Risk ranges from high to low depending on the securities in the fund.
- You can buy and sell on any business day, but fees and penalties may apply.
- You pay taxes on capital gains (profits from selling the fund).
Guaranteed Investment Certificates (GICs)
- Typically, there is little diversification unless your GIC is tied to stock prices.
- There is low risk since your initial or principal investment is protected.
- You get a fixed return when the term (period for holding the investment) matures.
- Your money stays locked in for a set time, unless you invest in a cashable GIC.
- You pay taxes on interest earned as you would with regular wages.
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:
- Set up a recurring direct deposit from your employer or the Government.
- Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50.
- 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 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:
- 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),
- 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. - 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:
- Open a New Student Chequing Account between November 6, 2025, and May 4, 2026.
- 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 6, 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 Savings Deposit 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 April 3, 2026;
3. Deposit Funds to Earn an Additional 4% Bonus Interest Rate for 90 Days
Starting on the 15th business day after the date the New Savings Account is opened, the account will earn a bonus interest 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 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.
- If the New Savings Account is opened on a statutory holiday or Sunday, the Bonus Savings Interest Rate period will begin 15 business days after the first business day after the New Savings Account is opened. After 90 days, 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 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 will be calculated separately and will be credited to the New Savings Account monthly for a period of 90 days (3 months), provided that the New Student 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 June 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 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.
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.
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:
- Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
- 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:
- 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.
- 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. - 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 - 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.
- 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 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.
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.
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.