USConvenient ways to pay & send money
Explore the features available to you
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TD Access Card
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Pay and view bills
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Interac e-Transfer®
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Apple Pay
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TD Mobile Payment
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UGO Wallet
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Visa Direct
Use your TD Access Card when you shop in-store or online.
It's safe, easy, convenient and fast.
Your TD Access Card provides you access to your TD Canada Trust bank account, plus it can be used to make debit purchases in-store, online and around the world.
Payments are always made directly from your TD Canada Trust bank account, helping you better manage your finances and budgeting.
Shop online and worldwide with Visa Debit*
Your TD Access Card provides the simplicity of debit with the acceptance of Visa*. All purchases made with your card will continue to access your funds directly from your TD Canada Trust bank account. Your debit card has never been more universal.
- Expand Your Options
With the Visa Debit feature of your card, you can shop securely online at thousands of merchants. You can also enjoy the functionality of shopping with your TD Access Card in over 200 countries outside of Canada wherever Visa is accepted.1 - Access Your Cash
The Visa Debit feature of your TD Access Card allows you to withdraw cash at more than 2.2 million ATMs around the world displaying the Visa acceptance mark.
Your payments are safe and secure
Shop with your TD Access Card knowing you are protected in the unlikely event of unauthorized activity on your account. Learn More about the security elements built into your TD Access Card below.
Visa Debit transactions are safe and secure, with multiple security elements built in to protect you. With TD Fraud Alerts, we will instantly2 send you text messages notifying you if we detect suspicious activity made with your TD Access Card for your personal banking accounts.
In addition, Visa Zero Liability*3 provides protection to ensure you’re not responsible for fraudulent charges made with your account information or with a lost or stolen card, provided you have met your cardholder obligations.
TD Access Card Service Fees
Foreign currency withdrawal at a non-TD ATM outside Canada.
- 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.
- FX FeeThe 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.
Foreign currency debit purchase outside Canada using a TD Access Card with a Visa Debit logo.
- FX Fee
3.5% of the Canadian dollar amount after conversion of the foreign currency amount at the rate set by Visa International.
Foreign currency debit purchase outside Canada using a TD Access Card that does not have a Visa Debit logo (NYCE).
- FX Fee
0.035 is added to the exchange rate set by Interac.
Make everyday purchases with Interac Flash®
- Everyday convenience
pay for in-store purchases quickly and securely with Interac Flash® at participating retailers. Simply hold it up to the terminal ‑ no need to swipe or insert your TD Access Card.
- Interac Flash® spend limits
for your protection, a PIN is required for every $100 you spend in single purchases or $200 in multiple consecutive Interac Flash® purchases.
Security features
Your TD Access Card gives you secure access to your TD Canada Trust bank accounts. No one can access your accounts without your unique TD Access Card number and your confidential Personal Identification Number (PIN), EasyLine PhoneCode or EasyWeb password.- 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 Green Machine 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.
If you plan to use your TD Access Card at ATMs internationally (using Visa's PLUS ATM network), your PIN must be at least 4 digits long and it is recommended that the TD Canada Trust accounts you wish to access be connected to the Chequing button. Find a ATM at your next destination.
- Verified by Visa*: Verified by Visa 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 Verified by Visa 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; Verified by Visa 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.
TD Fraud Alert, right to your phone
Get TD Fraud Alerts ‑ we will instantly2 send you text messages notifying you if we detect suspicious activity made with your TD Access Card for your personal banking accounts. These alerts will include information about the transaction and ask you to confirm it. You can respond to the texts quickly and easily by replying with a “Y” or “N”. Based on your response, we will unblock or block your card immediately.
TD will never ask you to reply to a Fraud Alert text with any personal information or click on any links in your reply.
- Convenient.
Receive TD Fraud Alert text messages alerting you about suspicious activity - you can respond using your mobile phone. - Be in control.
If you receive a TD Fraud Alert, you can reply by text message to confirm the transaction and avoid the inconvenience of an unnecessarily blocked card. - Fast.
Through our patented4 technology, your card is blocked or unblocked instantly, with minimal disruption to your day.
Instant alerts. Added convenience. Please ensure your Canadian mobile number2 is up-to-date in your TD customer profile to enjoy this free5 security feature.
Add your mobile number You can also add or update your mobile number by visiting your local TD branch, or calling EasyLine at
To learn more about how TD Fraud Alerts work, watch the video above.
If your TD Access Card is lost or stolen, call
Note: The use of your TD Access Card is governed by the terms of the Financial Services Agreement and Cardholder and Electronic Financial Services Terms and Conditions.
Please be sure to check your TD Canada Trust bank account on a regular basis to verify that you made the Access Card transactions that are shown. This can be done through statements you receive by mail or on EasyWeb.
Paying bills
How to pay your Canadian bills online
- Select the company you want to pay, then click Pay selected payees. To add a company, click Add payee.
- Enter your payment details such as payment amount, payment frequency, and the payment date, then click Next.
- Verify your payment details are correct, then click Finish.
- Receive your confirmation. If you have another bill to pay, click Pay another bill.
epostTM
Use EasyWeb View Bills for Canadian bill statements
Receive, view, pay and store select bills and statements in one convenient online location for free using epostTM from Canada Post. Simply log into EasyWeb Online banking and register by clicking View epost Bills from the left navigation menu under ‘Payments’ or ‘Quick Links’ to start today.
Benefits of Interac e-Transfer®
Use Interac e-Transfer to send, request and receive money anytime, anywhere in Canada.
- Fast: Recipients are typically notified by email or text message within one minute6 that you've sent or requested money using Interac e-Transfer, and they can deposit the money to their account at a Canadian financial institution7.
- Convenient: Send or request money anytime through EasyWeb or with the TD app 8, to anyone with an email address or mobile number and a bank account at a Canadian financial institution7, 9.
- Secure: When you send money, the funds are sent directly from your TD account to the recipient, and your account information stays protected.
Request Money – A convenient way to request money
Interac e-Transfer Request Money helps make it easy for people to pay you. Recipients are notified of your request through email or text message, and they can pay you through their own participating Canadian financial institution7 using Interac e-Transfer. If the recipient accepts your request, you're notified once the money is deposited directly into the TD bank account you choose9.
Use Request Money as a reminder for a friend to pay you back, or include an invoice number as a convenient way for customers to pay you!
Interac e-Transfer® Fees
There is no transfer fee to use either Send Money or Request Money with the following accounts:
Personal Accounts:
- TD All-Inclusive Banking Plan
- TD Unlimited Chequing Account
- TD Every Day Chequing Account 9
- TD Student Chequing Account 9
Business Accounts:
The Send Money transfer fee, if applicable, is charged to the account from which the money is sent at the time it is sent.9
The Request Money transfer fee, if applicable, is charged to the account into which the money is deposited at the time of deposit, if the recipient accepts the request9. There is no transfer fee to accept a request9.
Apple Pay makes checkout easy
Ready to use Apple PayTM?
Simply hold your iPhone up to the contactless terminal with your finger on the Touch ID and wait for the beep and vibration to confirm that your payment has gone through. If your iPhone has Face ID just double-click the side button and glance at your iPhone to authenticate with Face ID.
Hold your device up to the terminal until it beeps and vibrates. Wait until you see the words "Done" and a checkmark display to confirm your payment.
If you have an Apple Watch, double-click the side button and hold it up to the contactless reader until a beep confirms your payment. It’s that simple!
Use Apple Pay where contactless payment is offered
Apple Pay is accepted in a growing number of shops, restaurants, and plenty of other retailers. Many apps have also added Apple Pay to their accepted methods of payment. Just look for the Apple Pay or contactless payment symbols at the checkout
It’s secure and private
Setup Apple Pay on your device
If you have an iPhone:
- Open the Wallet app
- Tap the + sign or select Add Credit or Debit Card
- Follow the onscreen instructions to add your eligible TD Card(s)
If you have an Apple Watch:
- Open the Apple Watch app on your iPhone
- Select Wallet & Apple Pay and then Add Credit or Debit Card
- Follow the onscreen instructions to add your eligible TD Card(s)
If you have an iPad:
- Go into Settings
- Open Wallet & Apple Pay
- Select Add Credit Card or Debit Card*
- Follow the onscreen instructions to add your eligible TD Card(s)
*TD Access Cards cannot be added to iPads.
Check if your device is compatible
In-Store Purchases15
iPhone iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE |
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Apple Watch Paired with iPhone 5 or later |
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iPad iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 |
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Mac MacBook Pro with Touch ID, Mac with Apple Pay enabled iPhone or Apple Watch |
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In-App Purchases16
iPhone iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE |
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Apple Watch Paired with iPhone 5 or later |
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iPad iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 |
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Mac MacBook Pro with Touch ID, Mac with Apple Pay enabled iPhone or Apple Watch |
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In-Store Purchases15
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In-App Purchases16
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iPhone iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE |
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Apple Watch Paired with iPhone 5 or later |
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iPad iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 |
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Mac MacBook Pro with Touch ID, Mac with Apple Pay enabled iPhone or Apple Watch |
TD Visa Credit* Cards eligible for Apple Pay
About TD Mobile Payment
- Purchases17 can be made by holding your smartphone18 over the merchant point of sale terminal for a few seconds. Choose which eligible TD Credit Card to use for each purchase or set a default (Always On mode).
- TD Mobile Payment uses advanced encryption technology and offers Passcode and Security Settings along with other features for additional protection.
- Use it for small purchases17 at merchants like drugstores, coffee shops and restaurants who support contactless payments. Learn about Visa payWave*.
Currently available for Android 4.4+
Any EasyWeb customer with a supported Android 4.4+ smartphone, eligible TD Credit Card and the TD app can enjoy using TD Mobile Payment. The Android 4.4+ smartphone must be enabled with Near Field Communication (NFC) technology (contactless) and have access to a cellular data network or a Wi-Fi connection occasionally.
Get started in 4 easy steps:
Any EasyWeb customer can enjoy using TD Mobile Payment if they have a supported smartphone18, eligible TD Credit Card and the TD app.
- Step 1: Download the TD app.
- Step 2: Open the TD app and select TD Mobile Payment.
- Step 3: Follow the steps to add your eligible TD Credit Card(s) to TD Mobile Payment.
- Step 4: Once your TD Credit Card is confirmed, you can start paying with your smartphone!
TD Visa Credit Cards eligible for Mobile Payment
Lighten your wallet19
UGO Wallet is an app20 that lets you start moving your wallet to your phone. Store your loyalty, membership, gift cards, and even your receipts on your smartphone.
You can also make payments with eligible TD Credit Cards on any Android smartphone (4.4+), wherever Visa payWave is available.
Plus, send money to your friends and family with UGO Pay.
Features of UGO Wallet
- Don't miss out on reward points: Store your loyalty cards on your smartphone so you don’t miss out on reward points at participating retailers.
- Receipts at your fingertips: Simply take a picture, categorize and even add notes for your receipts in UGO Wallet.
- Pay with just a tap: On Android smartphones (4.4+), pay by tapping your phone wherever Visa payWave is accepted.
TD Visa Credit Cards eligible for UGO Wallet
Send money transfers anywhere in the world with your TD Canada Trust bank account21
You can send money online directly from your personal TD Canada Trust bank account to a Visa Debit Card, Visa Credit Card or Visa Reloadable Prepaid Card*22. The funds will be applied to the account linked to the card. With Visa Direct, you can make international money transfers to over 170 countries in more than 150 currencies.Visa Debit Card
Your money transfer will be available in the card holder’s bank account through a Visa Debit Card.
Visa Credit Card
When you send money to a recipient’s Visa Credit Card, it will appear as a credit balance on the card OR will pay down the balance payable on the credit card.
Visa Prepaid Card
Money transferred to a Reloadable Visa Prepaid Card* will be available as additional funds for use.
Better for the sender:
- Easy & Convenient: You can send money22 24/7 anytime via EasyWeb all you need is the recipient’s 16-digit Visa card number, name and address.
- Low Cost & Transparent: International transfer fees starting at $8.9523, plus you can see how much they will receive in the currency of their card.24
- Safe & Secure: Visa Direct is backed by the TD Online and Mobile Security Guarantee and supported by the secure Visa network.
Better for the recipient:
- Convenient: They don’t need to go online or travel anywhere to receive your money transfer.
- Safe: No need to pick up large sums of cash.
- Fast: Funds are usually received within 24-48 hours of the transfer (or as little as 30 minutes for transfers sent to Fast Funds-enabled Visa cards ).
How will I know if my recipient’s card is Fast Funds enabled?
On the “International Money Transfer” page, select any of your saved recipients and enter the transaction amount. Click next to “Review Payment Information”. On this page, you will see “Fast Funds” on the “Transfer Fee” line. Fast Funds indicates that the Visa card number is for a Fast Funds enabled card.
Already have a U.S.-based personal account at TD Bank?
If you are a TD Cross-Border Banking customer, you can use Visa Direct to transfer up to $2500 a day from your Canadian-based personal bank account at TD Canada Trust to your U.S.-based personal account with TD Bank, America's Most Convenient Bank® that is linked to your TD Bank Visa Debit Card, and we’ll refund your transfer fees25 within 5 business days.
Get started with three easy steps
- Register: Simply review and agree to the Terms & Conditions to sign up for the service.
- Set up a recipient: Add a recipient with an eligible Visa Debit Card, Visa Credit Card or Visa Reloadable Prepaid Card.
- Transfer the money: Choose the account to send money from and the amount to send, then submit the transfer
