FAQs | 2026 TD Investing Campaign for TD Direct Investing
TD Direct Investing and TD Easy Trade TM
Eligibility
1. How does registration work for this offer?
Registration for this offer is at a client level, meaning you register yourself for the offer, not your account. If you already have an existing TD Direct Investing or TD Easy Trade account, you can register by completing the registration form and including an account number from one of your eligible accounts. If you do not have an existing TD Direct Investing or TD Easy Trade account, you can register by opening a new account and including the promo code in the application. If you need support to open your account in branch or over the phone, be sure to inform the TD representative of the promocode. Once registered, all your eligible accounts will be included in the offer and considered when determining the Total Funding Amount (TFA).
2. Which account types are eligible for this offer?
Eligible accounts include certain registered, non-registered and corporate accounts. These accounts are grouped into two reward categories:
2% cash back reward tier:
- Tax-Free Savings Account (TFSA)
- Registered Retirement Savings Plan (RRSP)
- First Home Savings Account (FHSA)
- Locked-In Retirement Account (LIRA)
- Locked-In Retirement Savings Plan (LRSP)
1% cash back reward tier:
- Cash accounts (single or joint and informal trust)
- Margin accounts (single or joint)
- Corporate accounts
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:
- Registered Retirement Income Fund (RRIF)
- Life Income Fund (LIF)
- Registered Education Savings Plan (RESP)
- Registered Disability Savings Plan (RDSP)
- Any non-personal accounts other than corporate accounts (e.g. Formal Trusts, Estates, Investment Clubs)
3. Can I participate in multiple offers at the same time?
Yes, you can participate in multiple offers. However, assets that have already qualified for or received rewards under prior promotional offers will not be considered in the TFA for the purpose of calculating the reward. This includes assets that are transferred out, and subsequently back in.
Qualification and Registration
4. 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 Investing Campaign for TD Direct Investing landing page[CC1] or 2026 TD Investing Campaign for TD Easy Trade landing page[CC2] .
5. Can I register my corporate account?
Yes, corporate accounts can be registered for this offer. However, they are considered separate from your personal profile and must be registered separately. Corporate accounts are not available through TD Easy Trade. To register your corporate account, you must fill out the registration form which can be found on the 2026 TD Investing Campaign for TD Direct Investing landing page. [CC3]
6. How are joint accounts treated for the purpose of this offer?
Assets transferred to a joint account can only be allocated to the primary account holder, meaning any assets transferred to the joint account for the purpose of this campaign can only be added to the TFA of the person who is the primary holder on the account. If the secondary account holder wants to allocate assets transferred in for the purpose of the offer, they will need to transfer into an account in which they are the primary account holder or open a new account in which they will be the primary account holder.
Where the primary account holder has hit the reward cap, assets will not be re-allocated to the secondary joint account holder even if they still have room.
7. What if I already have existing accounts and have registered for the offer, but then I want to open an additional account?
Registration for this offer is at a client level, meaning you register yourself for the offer, not an account. Therefore, if you have already registered by the registration deadline of March 2, 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 March 2, 2026, assets transferred into that account must be completed by the funding period deadline of March 31, 2026, in order to count towards the TFA.
If the new account is a non-eligible account type, then that account will have no impact on the offer.
Transfers and Total Funding Amount (TFA)
8. What types of transfers qualify for this offer?
To be eligible for the offer, you must transfer cash or investable assets directly from other financial institutions (OFI) unassociated with TD Bank Group. Investable assets can include Stocks, Bonds, Mutual Funds, and more. Transfers originating from any TD Line of Business will not be considered part of the TFA.
Eligible Transfer Types are listed below. Transfers are processed on a best-efforts basis below are typical timelines:
- OFI Transfers (7 – 30 days)
- OFI Bill Payments (2 – 7 days)
- Deposits directly to DI (next business day).
- e-transfer direct to TD Direct Investing through WebBroker request (24 hours)
- Wires direct to TD Direct Investing (same day for transfers made before 2pm EST)
- Physical Securities Deposit (up to 30 days, dependent on issuer)
- Direct Registration Statements (14 days)
- TD Future Builder (30 days)
- TD Employee Ownership Plan (please refer to TD Share Ownership and Equity Program Processing Schedule)
- Note: Deposit through TDCT for the purpose of transferring to TD Direct Investing will be considered ineligible.
9. What if I get charged a fee to transfer funds from another financial institution to my TD Direct Investing or TD Easy Trade account(s)?
On minimum transfers of $25,000 CAD1, you can get reimbursed up to $150 per account, to a maximum of 4 accounts or $600 per household. Please reach out to a TD representative with confirmation of the transfer-out charges.
10. If I have assets across different accounts, how is the TFA determined?
The value of all assets transferred into all eligible accounts are combined to calculate the TFA. Any withdrawals during the campaign period will be subtracted from the TFA.
Only transfers completed by March 31, 2026, are included, and the TFA must be at least $10,000 as of March 31, 2027, to qualify for the cash back reward.
11. How do withdrawals affect the TFA?
Withdrawals from any eligible account(s) during the Campaign Period (November 3, 2025, to March 31, 2027) reduce the TFA. This includes the withdrawal of assets that were in the account prior to the start of the campaign and includes withdrawal of dividends and interest. Withdrawals from any non-eligible accounts will not impact the TFA.
12. Can I transfer assets between accounts?
Assets can be moved between eligible accounts. If you transfer assets between accounts from different tiers, the TFA for the purpose of calculating the reward will be determined as per the tier of the original transfer. For example, if you transfer assets from a 1% tier account to a 2% tier account, your reward will be calculated based on the TFA qualifying for a 1% reward.
If you have only funded an account(s) tied to a single reward tier, withdrawals from any account will reduce that reward tier.
However, if you transfer assets from an eligible account to a non-eligible account, it will be considered a withdrawal as assets in non-eligible accounts are not considered for this offer.
13. What if my assets drop below the minimum due to market fluctuations by the deadline (without withdrawing, deregistering or transferring assets), would I still be eligible to receive the reward?
Yes, so long as you do not engage in an action that is attributed to this diminishment in asset value, you are still eligible.
The Reward
14. How will the reward be deposited to my account(s)?
The cashback reward will be deposited in your account by April 30, 2027.
The total cash back reward will be calculated based on 2% of the TFA of any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $5,000 CAD. The cash back Reward will be calculated on the TFA maintained in the eligible account(s) as of March 31, 2027.
If you 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 based on award value, into each account based on the amount of assets transferred into each account.
15. How is the reward determined if I transfer in USD assets?
The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). Any USD transfers will use the CAD equivalent at the time of deposit to determine the value of the TFA for eligibility.
1This offer is applicable to any new or existing client who opens a new TD Direct Investing account and transfers $25,000 or more in assets to the new account from another financial institution.
To qualify, a client must provide evidence of transfer expenses charged by the outgoing financial institution in an account statement that shows the transfer charge. Reimbursement for a transfer that qualifies will be deposited into the new account in the calendar month following completion of the transfer process. Each client is eligible to be reimbursed to a maximum of $150 for each eligible transfer for up to four transfers. A client is defined as a person or people with a grouping of accounts with the same 6-digit identifier, which can be found on account statements.
There may be tax implications associated with the reimbursement. Clients should consult with their personal tax advisor for more information. For registered plans, the amounts reimbursed are paid directly to the plan and are not considered a contribution to an RSP, RESP, TFSA, or RIF.
All account types qualify for this offer other than locked-in registered accounts and RDSP accounts which are not eligible for this offer.
The reimbursement will be paid in Canadian dollars to the qualifying account(s).
This offer may be changed or withdrawn at any time without notice.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
