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New to Canada

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Welcome to banking in Canada

Visit a branch to
open an account

Book an appointment

Explore the TD New to Canada Banking Package 

Banking solutions and support specifically tailored for newcomers like you. Manage your day-to-day expenses, save money and earn rewards. Book an appointment to get started. A TD banking specialist will help you open a chequing, savings account and apply for a credit card.

Your journey starts here - discover the possibilities

To prepare for your appointment, look for the chequing and savings accounts that may meet your needs. Not sure? We can help you choose at your appointment.

  • TD Unlimited Chequing Account

    Pay no monthly account fee for one year3 (up to $215.40 value). Plus, you could get $500 Cash.4

    Unlimited transactions for your peace of mind

    No TD ATM fee at any ATM in Canada

    Free Interac e-Transfer® transactions

    $17.95 Monthly fee rebate for 1 year

  • TD ePremium Savings Account

    Earn a 4% bonus interest rate for 3 months when you open a new TD Chequing account and an eligible TD Savings Account.5 

    Save more with a higher interest rate and free online transfers to your other TD deposit accounts

    $0 Monthly fee

    Higher interest rate on balances of $10,000 or more

    Unlimited free online transfers to your other TD deposit accounts.

  • TD Every Day Savings Account

    Earn a 4% bonus interest rate for 3 months when you open a new TD Chequing account and an eligible TD Savings Account.5

    Ideal if you’re starting to save or want frequent access to your funds

    $0 Monthly fee

    Every dollar earns interest calculated daily

    1 transaction included per month

Looking for personalized advice?

We will connect you with a TD banking specialist who will cater to your unique financial needs.

Book an appointment

TD Credit Cards for Newcomers

Start building your credit with us by applying for a TD Credit Card and you could get approved for up to a $15,000 credit card limit – no credit history required.

  • TD Cash Back Visa* Card

    Earn up to $150 9 in Cash Back Dollars when you start by opening a new TD Cash Back Visa* Card. Account must be opened by March 3, 2026.

    $0 Annual fee

    21.99% Interest: Purchases

    22.99% Interest: Cash Advances 

    21.99% Interest: Cash Advances (Quebec only)

  • TD Rewards Visa* Card

    Earn a value of $5010, 11 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no annual fee. Conditions apply. Account must be approved by March 3, 2026.

    $0 Annual fee

    21.99% Interest: Purchases

    22.99% Interest: Cash Advances

    21.99% Interest: Cash Advances (Quebec only)

  • TD® Aeroplan® Visa Platinum* Credit Card

    Earn up to 15,000 Aeroplan points, plus no annual fee for the first year. Conditions apply. Account must be approved by March 3, 2026.6, 7

    Must keep your account open and active for 90 days

    For every eligible purchase you make, you earn Aeroplan points10.

    $89 Annual fee waived for 1 year

    21.99% Interest: Purchases

    22.99% Interest: Cash Advances

    21.99% Interest: Cash Advances (Quebec only)

Limited time offers you won't want to miss

Bank with TD and take advantage of our exciting rewards. Act now and enjoy exclusive benefits that won't be around for long. Offer ends March 3, 2026. Conditions apply.

  • $250 Cash Bundle Offer

    Bundle a new Chequing account with a new Savings account, an eligible new Credit Card and any Overdraft Protection service, and you could get an extra $25014.

  • TD Direct Investing

    Open and fund a new eligible TD Direct Investing account and you could get up to 2% Cash Back, up to 10 commission free trades and your first year of maintenance fees rebated13.

More reasons to love the TD New to Canada Banking Package

  • No monthly account fee & No TD ATM fees

    Enjoy a year of no monthly account fees with a new TD Unlimited Chequing Account. Plus, use any ATM in Canada with no TD ATM fee. 14

  • Up to $15,000 credit limit

    You could get approved for up to a $15,000 credit card limit as soon as you arrive – no credit history required.

  • Send money internationally

    With TD Global TransferTM, get your transfer fees back for up to 1 year when you send money using Western Union®. 14 Conditions apply.

  • Personalized advice in your language

    Get support in over 80 languages to help with your financial needs.

  • Customer Pricing on Precious Metals

    With TD Precious Metals, enjoy TD Customer pricing on a variety of gold, silver, and platinum products. Celebrate diverse cultures and traditions with TD custom pieces.

  • Support for Newcomer Entrepreneurs

    Futurpreneur’s My Canadian Startup, supported by the TD Ready Commitment, offers free workshops and digital resources to help newcomer entrepreneurs in Canada.

Frequently asked questions

You're eligible for the New to Canada Banking Package if you are:

  • A Permanent Resident, International Student or Temporary Resident for 5 years or less (with proof of status)
  • Have never held a TD chequing account
  • Age of majority in your province or territory of residence

  1. Please bring one of the following pieces of residency identification:
    • Permanent Resident Card
    • Immigrant Visa and Record of Landing (IMM Form #1000)
    • Confirmation of Permanent Residence (IMM Form #5292/5688) OR Temporary Work Permit (IMM Form #1442/1102) OR Study Permit (IMM Form #1208)
  2. One of the following documents:
    • A valid passport
    • Canadian Driver’s License
    • Canadian Government ID Card

International Students are also required to provide Proof of enrollment in a post-secondary program. The document provided must have been issued by the school and contain the following information: Student Name, Name of University or College, Program and current year of study.

Note: Other identification documents may be accepted or required. Please contact us for more details.

To apply for the TD New to Canada Banking Package, book an appointment to open an account at your local TD branch.

If you currently live in China or India:

You can call us to help you set up an account. However, you will have 75 days from your initial set up to visit a TD branch to activate your TD bank account.

Make sure you have your Canadian Immigration Visa ready when you call.

China: call collect 1-855-537-5355

India: call collect 416-351-0613

Once you arrive in Canada, visit a TD branch to activate your new bank account.

If you live in any other country:

You must first arrive in Canada and then book an appointment to open an account at your local TD branch.

Apply for the TD New to Canada Banking Package today