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Ways to Pay with your TD Access Card

Shop in person with Interac

Your TD Access Card has Interac Flash® so you can tap to pay up to $250 at participating retailers4.

Use your TD Access Card to:

  • Tap for purchases like coffee, groceries or gas, up to $2504
  • Tap to pay at participating transit agencies in Canada
  • Tap and pay with mobile wallets like Apple Pay, Google Pay, and Samsung Pay

Interac Flash® Spend Limits:

For your protection, a PIN is needed for purchases over $250 or multiple consecutive Interac Flash® purchases totaling $500.

Shop online and pay bills with Visa Debit

The Visa Debit feature of your TD Access Card lets you shop securely online at thousands of Canadian and international websites, using money directly from your TD Canada Trust bank account.

Use your Visa Debit to:

  • Pay and subscribe to streaming services
  • Order food online or through apps
  • Pay recurring bills like internet, phone, or utilities

Shop in-store worldwide with Visa Debit

Visa Debit on your TD Access Card is accepted in over 200 countries outside Canada. It also lets you withdraw cash at more than 2.2 million ATMs worldwide where Visa is accepted1.

Use Visa Debit to:

  • Select "Debit" when prompted between "Debit" or "Credit"
  • Enter your PIN or sign a receipt at some retailers
  • Withdraw cash at ATMs5 displaying the Visa acceptance mark

How to pay with Visa Debit

Enjoy the simplicity of Visa Debit for online, international and in-app purchases, along with recurring payments and subscriptions. Visa Debit makes it easy to pay wherever Visa is accepted.

  1. Select your card

    Select 'Visa Debit' or 'Visa' as the payment option at checkout, where Visa is accepted1

  2. Enter your details

    Enter your TD Access Card number, expiry date and 3 digit CVV code found at the back of your card

  3. Save your details

    Store your card with your favourite retailers or mobile apps for faster checkout

Manage your TD Access Card

Fraud protection at your fingertips

  • 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.

  • Visa Zero Liability Policy3 and Interac Zero Liability Policy

    You won't be held responsible for unauthorized charges made with your card so you can shop with confidence.3

  • Dispute a transaction

    Don’t recognize a transaction on your TD Access Card and need to dispute it? We can help guide you through the dispute process.

Frequently Asked Questions

When you make foreign currency purchases with your TD Access Card, different fees apply depending on your card type:

If your TD Access Card has a Visa Debit logo:

  • A foreign exchange fee of 3.5% is charged on the Canadian dollar amount after converting from the foreign currency.
  • The conversion rate is set by Visa International.

If your TD Access Card does not have a Visa Debit logo (uses NYCE):

  • A foreign exchange fee of 3.5% is added to the exchange rate set by Interac®.

 

TD Access Cards are designed with security in mind.

  • Each card has an embedded microchip that stores information in a secure, encrypted format
  • This helps prevent unauthorized users from copying or accessing your information when using chip-enabled terminals or ATMs

It’s easy to reset your Personal Identification Number (PIN). You can do this at a TD ATM or by visiting your branch.

At any TD Bank Green Machine ATM:

  • Insert your card and select Change PIN from the Welcome screen
  • If you have a customized Welcome screen, select More Transactions to find the Change PIN option

If you’ve forgotten your PIN, you’ll need to visit your branch

At any TD Canada Trust branch:

  • Visit your local branch
  • A Customer Service representative will assist you with changing your PIN

Take quick action to protect your account and get a replacement card:

To lock your card: 

  • Follow the steps here

To replace your card:

Stay on top of your account activity:

  • Regularly check your TD Canada Trust bank account to ensure all transactions are yours
  • Review your activity online using EasyWeb or through mailed statements

Note: Use of your TD Access Card is governed by the Financial Services Terms and Access Agreement

Easily view your TD Access Card transaction limits — including your Interac e-Transfer® sending limits — using the TD app.

Follow these steps in the TD app:

  1. Log in to the TD app

  2. Tap the main menu (top left corner) and select Banking Services

  3. Select Transaction Limits

You can also find this information under the Summary tab on your Chequing account page in the app.

Transaction Fee

  • $3 per withdrawal in the United States or Mexico
  • $5 per withdrawal in any other country outside of Canada, the U.S., or Mexico
  • No service fees at TD Bank, AMCB ATMs
  • No service fees if you have a TD All-Inclusive Banking Plan or a TD Wealth Private Banking Account

Foreign Exchange Fee

  • The total transaction amount, including any ATM provider fees, is converted to Canadian dollars based on the Visa International* exchange rate in effect on the date the transaction is posted to your account
  • A fee equal to 3.5% of the total converted transaction amount is charged

It's recommended to create a PIN of your choice that is at least four digits long.

Change your PIN at any time:

  • Visit any TD branch to change your PIN after verifying your identity
  • If you forget your PIN, visit a branch to receive a new one
  • You can also change your PIN at any TD ATM

Always protect your PIN:

  • Never share your PIN with anyone
  • Keep your PIN and Credentials separate from your Card
  • Choose a PIN that’s not easy to guess (avoid your birthday, phone number, or address)
  • When entering your PIN, shield the keypad to keep it private

Using your TD Access Card internationally:

  • Use a 4-digit PIN to access ATMs outside Canada using the Visa PLUS network
  • Make sure the TD Canada Trust accounts you want to access are linked to your Chequing account  
  • Find a PLUS ATM at your next destination

Your TD Access Card comes with built-in security features to help protect you when shopping online or in person.

Visa Secure*

  • A free service from Visa, Visa Canada, TD, and participating retailers that adds an extra layer of protection when you shop online
  • Works automatically—no sign-up or password required
  • Helps verify your identity and protect against fraudulent transactions, operating in the background for added convenience

Visa Zero Liability*

  • Applies to all online and international transactions made with your TD Access Card
  • You won’t be held responsible for unauthorized transactions if you've met your obligations outlined in the Access Agreement
  • You're automatically protected—no additional sign-up needed

Interac® Zero Liability

  • Applies to unauthorized Interac Flash® transactions
  • You are not liable for unauthorized transactions if you’ve met your obligations under the Access Agreement

Interac Flash® Spend Limits

  • For your protection, a PIN is required for:
  • Single purchases over $250
  • Multiple consecutive Interac Flash® purchases that exceed $5004

For more tips and tools, visit the TD Stories Fraud Prevention Hub.

TD Access Cards are designed with advanced security features to help protect your account — even if your card is lost or stolen.

Here's how your card helps keep your account secure:

  • Visa® Zero Liability – You're not liable for unauthorized transactions made online or internationally, as long as your obligations are met under the Access Agreement
  • Interac® Zero Liability – You're not responsible for unauthorized Interac Flash® transactions if your card is compromised and obligations are met
  • TD Fraud Alerts – Stay informed and protected with real-time alerts.

If Interac Flash® is enabled:

  • Your card may be used for a single tap transaction up to $250, or up to $500 in consecutive transactions without a PIN

Extra protection with the TD app:

  • Lock Card – Use this feature to temporarily disable certain transactions if you've misplaced your card

To use:

  • Open the TD app
  • Go to Manage Access Cards from the slide-out menu
  • Select Lock Card to lock the card of your choice

Additional Resources

Ready to open a TD Chequing Account?

Whether you have extensive or simple banking needs or you're new to Canada, all our Chequing Accounts are designed to offer a unique combination of benefits and options to meet your needs.

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