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How it works

Refer a friend in 3 easy steps

  • Step 1: Get your code

    If you're an eligible TD customer2, you can find your referral code in the TD App, EasyWeb or at a TD branch. 

  • Step 2: Share your code

    Share your referral code with a friend who is new to TD and has lived in Canada for less than 5 years.3, 4

  • Step 3: Get rewarded

    If your friend completes the qualifying steps and you both meet the eligibility criteria, you could each receive $50.

Got a referral code? Here’s what to do next

  • Step 1: Bring your code to a branch

    Bring your referral code to a TD branch. A team member can help you choose the right newcomer banking package, open your account, and apply your code.

  • Step 2: Complete 2 qualifying activities

    After you open your account, complete at least 2 qualifying activities5 based on your account and package.

  • Step 3: Receive your reward

    Once all eligibility criteria are met, you and the friend who referred you could each receive $50.

This is where you would find your code

    In the TD App, go to “More” in the bottom right, then scroll to “Products and Services” and tap “Refer a Friend.”

    Choose an eligible newcomers banking package

    Looking for financial advice?

    We can connect you with a specialist.

    Book an appointment

    Why TD?

    All in One Place – Online and Mobile Banking

    Manage your money from wherever you are. Harness the power of mobile banking with the TD App or bank online through EasyWeb.

    We Speak Your Language

    Get support in over 80 languages, so you can discuss your money matters comfortably.

    Frequently Asked Questions

    To qualify to refer, you must:

    • Live in Canada
    • Be the age of majority in your province or territory
    • Have an existing TD chequing or savings account that is open, active, and in good standing
    • Complete the qualifying steps for referrers4

    You can receive up to ten (10) successful referral rewards per calendar year (January 1 to December 31).

    To qualify, your friend must:

    The referral reward will be credited to your TD accounts within 15 days after:

    • Both you and your friend complete the qualifying steps, and
    • All eligibility criteria are met

    If either of you has more than one TD account, TD will decide which account receives the reward.7

    You can check in with the person who you referred, as they will be able to track the status of their account opening. 
     
    While TD doesn’t provide ongoing updates on the referral itself, you’re always welcome to visit a TD branch if you have questions or need support.

    If you opened an account before receiving a referral code, you may still be eligible for the referral reward, provided all qualifying conditions are met.

    To qualify, you must provide the referral code and enroll in an eligible New to Canada Banking Package or International Student Banking Package at a TD branch within 30 days of opening your account. 5

    Yes, TD can help in opening a chequing account and a credit card.

    Newcomer banking packages by TD include chequing account with no monthly fee for the first year and credit card that can help you start building your financial history in Canada. 

    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.

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