Convenient ways to pay and send money

• Foreign Exchange Fee
  3.5% of the Canadian dollar amount after conversion of the foreign currency amount at the rate set by Visa International.

• Foreign Exchange Fee
  0.035 is added to the exchange rate set by Interac®.

• Transaction Fee
  $3 in the United States or Mexico.
  $5 in any country outside of Canada, the United States or Mexico.
  No service fees at TD Bank, AMCB ATMs.
  No service fees if you have a TD All-Inclusive Banking Plan or TD Wealth Private Banking Account.
• Foreign Exchange Fee
  The transaction amount, including any ATM provider fees incurred by the client, will be converted to Canadian dollars based on the exchange rate set by Visa International* in effect on the date the transaction is posted to your account and will include a fee equal to 3.5% of the converted amount.

• Change your PIN at any time
  You can change your PIN at your TD branch. After verifying your identity, the branch will help you select a new PIN. If you forget your PIN, you must visit a branch to receive a new one. You can also change your PIN at any TD ATM location.
• Always protect your PIN
  Remember never to tell anyone your PIN and never keep a record of your PIN near your TD Access Card. It is best practice to avoid choosing a PIN that might be easily guessed (such as your birthday, phone number or address). When entering your PIN, take precautions to keep it from the view of others.

• Visa Secure*: Visa Secure is a free joint effort between the Visa issuing banks, Visa Canada and participating retailers to provide you with increased security and convenience when you shop online. Visa offers comprehensive fraud protection, but Visa Secure goes even a step further, adding an extra layer of security when you enter your TD Access card information online. You are automatically protected – and no additional sign-up or password is required. This program is offered to Visa cardholders at no additional cost and exists to help protect you against fraudulent transactions. All you need to do is shop as you always do online; Visa Secure operates invisibly in the background.
• Visa Zero Liability*: Visa Zero Liability applies to all online and international transactions. Should your TD Access Card become compromised, you will not be held liable as long as you have met your obligations as outlined in the Cardholder and Electronic Financial Services Terms and Conditions. You are automatically protected – and no additional sign-up is required.
• Interac® Zero Liability: Interac® Zero Liability applies to transactions completed using Interac Flash®. Should your TD Access Card become compromised, you will not be held liable for unauthorized Interac Flash® transactions as long as you have met your obligations as outlined in the Cardholder and Electronic Financial Services Terms and Conditions.
• Interac Flash® spend limits: For your protection, a PIN is required for single purchases above $250 or $250 in multiple consecutive Interac Flash® purchases²³.

Visit the TD Stories Fraud Prevention Hub for additional advice & resources.