Foreign Workers

As a foreign worker, you’ll be moving from your home country to Canada for work, which can be a big change. But we can help you throughout your financial journey. Whether you're looking for guidance or products to help manage your finances in Canada, TD has solutions to help make banking easier.

Explore more banking options with TD 

Now that you've spent some time in Canada and likely secured your basic bank accounts, it may be time to look into additional financial products and services that will further benefit you and your family.

We care about your financial future
Navigating your banking options on your own may not be easy. But we're committed to helping you along your financial journey. Below, we'll help you explore products and services that'll help maximize your spending and savings.

We care about your family's financial future
Sending money back home to your loved ones is easy with TD Global TransferTM. You could get up to $360 in value1 when you send money using TD Global TransferTM with your TD Unlimited Chequing Account.

Investing 101 for foreign workers

Invest in you and your family's future with any or all of these three investment options.

  • Invest for your retirement with a RRSP. Your RRSP contributions may be deducted on your current year tax return and any investment income earned within the account can grow on a tax-deferred basis.

  • Looking for a way to save for your child(ren)'s education? Invest up to $50,000 per child in a RESP and your money can grow on a tax-deferred basis.

  • Whether you have short-term or long-term savings goals, a TFSA is a great option to help you plan for your financial goals. Invest in a TFSA and your investments and potential earnings can grow tax-free.

Getting your first credit card 

As you start settling into Canada, you may be thinking about getting your first credit card. Curious about the benefits of having one? We can help.

  • Get a TD credit card that suits your needs
    At TD, we offer tons of credit cards you can choose from such as Cash Back, Aeroplan, TD Travel Rewards, No Annual Fee and Low Rate options.
  • Get rewarded on your everyday purchases
    Depending on the credit card you choose; you can benefit from travel rewards or cash back rewards. And you can even take advantage of additional benefits such as travel insurance.
  • Help build up your credit
    Having a credit card can help you build your credit. This can ultimately benefit you when renting a home, applying for certain jobs and more.

Credit card special offers

Recently Viewed

Earn Cash Back Dollars. Redeem them to help pay down your Account balance. Must be approved. Conditions apply1.

Recently Viewed

Earn a welcome bonus offer on the TD Rewards Visa Card. Must be approved. Conditions apply.2,3

Special Offer Recently Viewed

Once approved, earn up to 20,000 Aeroplan points4, plus, first year no Annual Fee. Conditions Apply. Must apply by September 3, 2024.

Financing your first car as a foreign worker

Looking to purchase your first car in Canada? Follow these steps to apply for TD Auto Financing for select vehicles. 

  • 1

    Choose your amortization term
    Find the term length that works best for you. TD Auto Financing offers terms up to 60 months on select vehicles (equal or less than the work permit’s expiration date).

  • 2

    Choose from fixed or variable rate financing
    Not sure what the difference is? A fixed rate means the interest rate stays the same for the term you choose. A variable rate means the interest rate changes whenever TD Prime Rate changes.

  • 3

    Select a payment schedule that works for you
    From monthly, biweekly, or weekly payments – work with your car dealer to choose the schedule that best suits you.

More resources for foreign workers

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