Skip to main content

Get rewarded with 3% cash back

When you transfer assets from outside of TD into a registered account. Get 1% cash back for transfers to non-registered accounts.

Download TD Easy TradeTM
qr code

Get started

Download TD Easy TradeTM

Offer terms and details

Eligibility

This Offer is available to new and existing TD Easy TradeTM and TD Direct Investing clients between July 2, 2026 and October 23, 2026.

View offer details

Offer terms and conditions

2026 TD Direct Investing and TD Easy TradeTM Easy Cash Offer (the “Offer”)

You can get 3% cash back by transferring assets from outside of TD Bank Group to an eligible registered TD Direct Investing or TD Easy Trade account and you can get 1% cash back by transferring assets from outside of TD Bank Group to an eligible non-registered TD Direct Investing or TD Easy Trade account.

Eligibility

Eligible Accounts for 3% cash back

  • Tax-Free Savings Account (TFSA)1
  • Registered Retirement Savings Plan (single account holder and spousal) (RRSP)1
  • First Home Savings Account (FHSA)1
  • Self-Directed Locked-In Retirement Accounts (LIRA)1 – Not available for TD Easy TradeTM
  • Self-Directed Locked-In Retirement Savings Plan (LRSP)3 – Not available for TD Easy TradeTM

Eligible Accounts for 1% cash back

  • Cash (single or joint account holder) – Joint account is not available for TD Easy TradeTM
  • Margin (single or joint account holder) – Not available for TD Easy TradeTM
  • Corporate Account – Not available for TD Easy TradeTM

Non-eligible Accounts

  • Retirement Income Fund (RIFs)1
  • Life Income Fund (LIF)1
  • Registered Education Savings Plan (RESP)2
  • Registered Disability Savings Plan (RDSP)1
  • Any non-personal accounts other than a Corporate Account

How do I know if I am eligible for the Offer?

  • You're a new or existing TD Direct Investing or TD Easy TradeTM client, with your account(s) in good standing, as described below, at the time of participating in the Offer.
  • You're the legal age of majority in your province or territory by October 23, 2026.
  • You're a legal resident of Canada.
  • You fulfill the terms and conditions listed below.

Qualifications

How do I qualify for the Offer?

  1. Register for the Offer between July 2, 2026, and October 23, 2026 (the “Registration Period”).
    • You can register by completing the registration form and including an account number from any one of your eligible accounts.
    • If you don't have an existing eligible TD Direct Investing or TD Easy Trade account, you can register by opening a new account and including the promocode CASHBACK (or REMISE in French) between July 2, 2026 and October 23, 2026. If opening an account in branch or by phone, provide the promocode to the TD representative.
    • Once you are registered, all your eligible accounts, as defined above, will be included in the Offer.
  2. Transfer in $2,500 CAD or more to your eligible account(s) by November 30, 2026.
    • Transfer from any financial institution(s) outside of TD Bank Group directly to your eligible account(s).
    • Complete your first transfer within 60 days of registering for the Offer or by the funding deadline of November 30, 2026, whichever comes first.
    • In addition to the first transfer, any assets transferred into your new/or existing eligible account from outside TD Bank Group until November 30, 2026, will be counted toward your total funding amount ("TFA"). The TFA must meet the minimum funding amount of $2,500 CAD.
  3. Maintain the assets in your eligible account(s) until November 30, 2028.
    • Any withdrawals that occur between July 2, 2026, and November 30, 2028 ("Campaign Period") from any eligible account(s) will be subtracted from the TFA. This includes assets that were in the account prior to the start of the Offer, regardless of registration date.
    • Withdrawals from any non-eligible account (RIF, LIF, RESP, RDSP and non-personal accounts other than corporate) will not impact the TFA.

The "Reward"

How will the Reward be calculated?

  • The total cash back Reward will be calculated based on 3% of the TFA in any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $15,000 CAD.
  • To determine the applicable cash back Reward tier, eligible assets will be assessed based on the account into which the funds are initially transferred into, under this Offer. Subsequent transfers between eligible accounts will not change the cash back Reward tier.
  • The cash back Reward will be paid in two installments:
    • The First Reward Payment will be paid by December 31, 2027, provided all Offer conditions have been met. This portion of the Reward will be 50% of the Reward you are eligible for based on the TFA maintained in the eligible account(s) until November 30, 2027.
    • The Final Reward Payment will be paid by December 31, 2028, provided all Offer conditions continue to be met. This portion of the Reward will be calculated based on the TFA maintained in the eligible account(s) until November 30, 2028, minus the amount received in the First Reward Payment.
    • Any withdrawals that occur between December 1, 2027 and November 30, 2028 will be subtracted from the TFA used to calculate the Final Reward Payment.
  • If you transfer assets into multiple accounts, the TFA will be calculated by combining the value of the assets transferred into all of the eligible accounts.
  • Withdrawals will reduce the TFA that qualifies for the applicable percentage Reward. If you withdraw from an account in the 3% Reward tier, your 3% Reward will decrease. If you withdraw from an account in the 1% Reward tier, your 1% Reward will decrease.
  • If you have positive TFA in only one Reward tier, withdrawals from any of your eligible accounts will reduce that Reward tier.
  • The market value of assets at the time of deposit will be used to determine the value of the assets transferred into the account(s).
  • Interest and dividends will not be included in the calculation of the TFA but will be subtracted from the TFA if withdrawn.
  • The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). U.S. dollar balances will be converted into Canadian dollars using the exchange rate on the date of deposit to determine eligibility.
  • Assets transferred into the account(s) after November 30, 2026, will not count towards the TFA.
  • If withdrawals reduce the TFA to less than $2,500 CAD as of November 30, 2027, you will not be eligible for any Reward. If withdrawals reduce the TFA to less than $2,500 CAD as of November 30, 2028, the final installment of the Reward will not be granted.
  • Standard market fluctuations that decrease the TFA to less than $2500 will not impact your reward.
  • For any TFA deposited into a joint account, the total cash back Reward can only be allocated to the primary account holder. Withdrawals from a joint account will be deducted from the primary account holder's TFA regardless of which account holder completed it. There is no impact to any additional account holder(s).

How will the cash back Reward be deposited into my account?

  • The First Reward Payment will be distributed by December 31, 2027. The Final Reward Payment will be distributed by December 31, 2028.
  • If you only transfer assets to one account, the total cash back Reward will be deposited into that account.
  • If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.
  • The Reward will be paid in CAD to the Canadian component of the account(s).
  • For joint accounts, TD Direct Investing is not responsible for how the Reward is managed or shared once it has been paid out.
  • The maximum Reward a client can receive is $15,000 CAD.
  • If a client transfers assets to both TD Direct Investing and TD Easy TradeTM accounts for the Offer, the maximum Reward they can receive across all TD Direct Investing and TD Easy TradeTM accounts is $15,000 CAD.

Key Dates

  • Campaign Period: July 2, 2026 – November 30, 2028
  • Registration Period: July 2, 2026 – October 23, 2026
  • Registration Deadline: October 23, 2026
  • Funding Period: July 2, 2026 – November 30, 2026
  • First Transfer Completion Deadline: 60 days after client registration date or November 30, 2026 – whichever comes first.
  • Transfer Deadline: November 30, 2026
  • TFA must be held in the account(s) until November 30, 2028
  • First Reward Payment: by December 31, 2027
  • Final Reward Payment: by December 31, 2028

Additional Details

  • To receive the cash back Reward, a client must keep their account(s) open and in good standing until the Reward payout. Good standing requires the account(s) to not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
  • TD Direct Investing does not guarantee eligibility where funding deadlines are missed due to processing delays.
  • This Offer can also be combined with the 2026 TD Direct Investing and TD Easy Trade Spring Offer. If you have previously registered for 2026 TD Direct Investing and TD Easy Trade Spring Offer, the following conditions will apply when you register for this Offer:
    • Assets deposited, transferred, or otherwise funded into an eligible account before July 31, 2026 will continue to be governed by the terms and conditions of 2026 TD Direct Investing and TD Easy Trade Spring Offer.
    • Assets deposited, transferred, or otherwise funded into an eligible account between August 1, 2026 - November 30, 2026, will be governed by the terms and conditions of this Offer, including holding the assets until November 30, 2028.
    • This Offer may be combined with other TD Direct Investing and TD Easy Trade Offers. Please refer to the terms and conditions of each offer to determine eligibility.
  • You may combine this offer with the following TD Banking Packages:
    • TD New to Canada Banking Package
    • TD Student Banking Package
    • TD International Student Banking Package
  • Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in the TFA for the purpose of calculating the Reward for this Offer. This includes assets that are transferred out and subsequently transferred back in.
  • Employees of TD Bank Group are eligible for the Offer.
  • This Offer may be changed, extended, or withdrawn at any time without notice.
  • This Offer is not transferable.
  • Assets exclude any securities that are restricted, subject to a cease Trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
  • There may be tax implications associated with the cash Reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash Reward is paid directly to the plan and is not considered a contribution.
  • Standard market fluctuations, and account fees will be excluded from calculations used to determine if an account qualifies for the Reward.
  • TD Direct Investing reserves the right to refuse the provision of any Rewards and benefits under this Offer if it determines you have violated the terms set out above.

1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.

2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)

3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.

TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

TD Easy TradeTM is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.

®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Have questions? We've got answers

Registration for this offer is at a client level, meaning you register yourself for the offer, not your account. If you already have an existing eligible account, you can register by completing the registration form and including an account number from one of your eligible accounts.

If you do not have an existing eligible account, you can register by opening a new account and including the promo code CASHBACK in the application. If you need support to open your account in branch or over the phone, be sure to inform the TD representative of the promocode.

Once registered, all your eligible accounts will be included in the offer and considered when determining the Total Funding Amount (TFA).

Eligible Accounts for 3% cash back:

  • Tax-Free Savings Account (TFSA)
  • Registered Retirement Savings Plan (single account holder and spousal) (RRSP)
  • First Home Savings Account (FHSA)
  • Locked-In Retirement Account (LIRA)-Not available for TD Easy Trade
  • Locked-In Retirement Savings Plan (LRSP)- Not available for TD Easy Trade

Eligible Accounts for 1% cash back

  • Cash accounts (single or joint)
  • Margin accounts (single or joint)- Not available for TD Easy Trade
  • Corporate accounts- Not available for TD Easy Trade

The following account types are not eligible for this offer, which means that any activity in these accounts will not impact your TFA or reward:

  • Retirement Income Fund (RIFs)
  • Life Income Fund (LIFs)
  • Registered Education Savings Plan (RESP)
  • Registered Disability Savings Plan (RDSP)
  • Any non-personal accounts other than corporate accounts (e.g. Formal Trusts, Estates, Investment Clubs)

Yes, you can participate in multiple offers unless otherwise indicated in the terms of each offer. Keep in mind, money and securities that you transfer in can only receive one reward for one offer, even if you transfer them out and back in again. 

  • If you have previously registered for 2026 TD Direct Investing and TD Easy Trade Spring Offer, the following conditions will apply when you register for this Offer:
  • Assets funded into an eligible account before July 31, 2026 will continue to be governed by the 2026 TD Direct Investing and TD Easy Trade Spring Offer terms and conditions.
  • Assets funded into an eligible account between August 1, 2026 – November 30, 2026, will be governed by the terms and conditions of this Offer, including holding the assets until November 30, 2028.

Assets that have previously qualified for or received rewards under any other promotional Offer will not be included in the TFA for the purpose of receiving the Reward. This includes assets that are transferred out and subsequently transferred back in.

If I opened a new account and forgot to input the promo code, can I still be registered for the offer?

If you forgot to input the promo code while opening a new account, you can still register by filling out the registration form once you have a valid, eligible account number. The registration form can be found on the 2026 TD Direct Investing and TD Easy TradeTM Easy Cash Offer page.

Explore more FAQs arrow icon

FAQs

2026 TD Direct Investing & TD Easy TradeTM Easy Cash Offer (the “Offer”)

Registration for this offer is at a client level, meaning you register yourself for the offer, not an account. Therefore, if you have already registered by the registration deadline of [October 23 2026], any new eligible accounts you open will automatically be included in the offer. You are not required to include the promo code in the account application. Please note that while the new account can be opened after [October 23, 2026], assets transferred into that account must be completed by the funding period deadline of November 30, 2026, in order to count towards the TFA.

If the new account is a non-eligible account type, then that account will have no impact on the offer.

To be eligible for the offer, you must transfer cash or investable assets from other financial institutions unassociated with TD Bank Group directly to your eligible TD Direct Investing or TD Easy Tade account. Investable assets can include Stocks, Bonds, Mutual Funds, and more. Transfers originating or transferred from any TD Line of Business will not be considered part of the TFA. Transfer timelines may vary and can take up to 30 business days or more depending on the delivering institution and the type of transfer.

On minimum transfers of $25,000 CAD1, you can get reimbursed up to $150 per account, to a maximum of 4 accounts or $600 per household. Please reach out to a TD representative with confirmation of the transfer-out charges.

Yes, you can make a withdrawal from your account anytime, your money is not locked in however withdrawals from any eligible account(s) during the Campaign Period July 2, 2026, to [November 30, 2028]) will reduce your TFA. This includes the withdrawal of assets that were in your account prior to the start of the campaign and includes withdrawal of dividends and interest. Withdrawals from any non-eligible accounts will not impact your TFA.

Assets can be moved between eligible accounts. If you transfer assets between accounts from different tiers, the TFA for the purpose of calculating the reward will be determined as per the tier of the original transfer. For example, if you transfer assets from a 1% tier account to a 3% tier account, your reward will be calculated based on the TFA qualifying for a 1% reward.

However, if you transfer assets from an eligible account to a non-eligible account, it will be considered a withdrawal as assets in non-eligible accounts are not considered for this offer.

Yes, as long as you do not engage in an action that is attributed to removing assets, such as withdrawing, deregistering, or transferring assets, you are still eligible.

The cashback reward will be paid in two installments.

  • The First Reward Payment will be paid by December 31, 2027, provided all Offer conditions have been met. This portion of the Reward will be 50% of the Reward you are eligible for based on the TFA maintained in the eligible account(s) until November 30, 2027.
  • The Final Reward Payment will be paid by December 31, 2028, provided all Offer conditions continue to be met. This portion of the Reward will be calculated based on the TFA maintained in the eligible account(s) until November 30, 2028, minus the amount received in the First Reward Payment. Any withdrawals that occur between December 1, 2027 and November 30, 2028 will be subtracted from the TFA used to calculate the Final Reward Payment.

    Reward Payment Example:

    • First Reward Payment: If you met all offer requirements and had a TFA of $10,000 as of November 30, 2027 in an eligible registered account, your total Reward would be 3% of $10,000, or $300. You would receive 50% of that amount, which is $150, as your First Reward Payment by December 31, 2027.
    • Final Reward Payment: If you continued to meet all offer requirements and maintained a TFA of $10,000 in that eligible registered account until November 30, 2028, your total Reward would remain $300. Since you already received $150 in the First Reward Payment, the Final Reward Payment would be $150, paid by December 31, 2028. If any withdrawals occurred between December 1, 2027 and November 30, 2028, those withdrawals would reduce the TFA used to calculate the Final Reward Payment.

The total cash back reward will be calculated based on 3% of the TFA of any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $15,000 CAD.

If you only transfer assets to one account, the total cash back Reward will be deposited into that account.

If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.

The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). Any USD transfers will use the CAD equivalent at the time of deposit to determine the value of the TFA for eligibility.

1Switch and Save Rebate: this offer is applicable to any new or existing client who opens a new TD Direct Investing account and transfers $25,000 or more in assets to the new account from another financial institution.

To qualify, a client must provide evidence of transfer expenses charged by the outgoing financial institution in an account statement that shows the transfer charge. Reimbursement for a transfer that qualifies will be deposited into the new account in the calendar month following completion of the transfer process. Each client is eligible to be reimbursed to a maximum of $150 for each eligible transfer for up to four transfers. A client is defined as a person or people with a grouping of accounts with the same 6-digit identifier, which can be found on account statements.

There may be tax implications associated with the reimbursement. Clients should consult with their personal tax advisor for more information. For registered plans, the amounts reimbursed are paid directly to the plan and are not considered a contribution to an RSP, RESP, TFSA, or RIF.

All account types qualify for this offer other than locked-in registered accounts and RDSP accounts which are not eligible for this offer.

The reimbursement will be paid in Canadian dollars to the qualifying account(s).

This offer may be changed or withdrawn at any time without notice.

Help when you need it

  • Call us

    Questions? Concerns? We're here for you. 24 hours a day, Monday to Friday. Contact us anytime by logging into the TD Easy Trade App.

  • Open a TD Easy TradeTM account

    Need help finding an account that fits your goals? You’ve got options, we’ve got your back.

  • Visit TD Help Centre

    Find what you're looking for from our extensive collection of FAQs.

TD Easy TradeTM

Grab the app

Accessibility Commitment arrow icon

TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

TD Easy TradeTM is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.

®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Google Play is a trademark of Google LLC.

Accessibility commitment

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.