You are now leaving our website and entering a third-party website over which we have no control.
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.
Get started with the basics
TD Chequing Accounts
It's important to set up your first chequing account, as it's your key to day-to-day banking and usually a way for your employer to pay you directly. Our TD Unlimited Chequing Account can be a good place to start.
TD Savings Accounts
A savings account can help you set money aside for purchases you'd eventually like to make, or in the case of an emergency. The TD Every Day Savings Account or the TD ePremium Savings Account are both good options to consider.
Benefits of banking with TD
Steps to Open Your First Canadian Bank Account
Ready to get started? We're ready to help you! You'll be required to visit a TD branch; however, in the meantime, here are some simple steps to help you prepare.
Step 1
Check out all the accounts we offer at TD and see which align to your needs.
Step 2
Gather the right documentation required to set up your account.
Step 3
Meet with a TD advisor in branch.
Documents needed to open your TD bank account
Looking to open an account with TD? Here's list of documents you'll need to bring with you to a TD branch:
- Temporary Work Permit (IMM Form #1442/1102), and
- A valid passport, or
- Canadian driver’s licence, or
- Canadian Government ID Card
More resources for foreign workers
Get in touch
Popular questions
Helpful related questions
Did you find what you were looking for?
Sorry this didn't help. Would you leave us a comment about your search?
See you in a bit
TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index
TD Personal Banking
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Youth Account
- Student Account
- Credit Cards
- Aeroplan points
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Borrowing
- Personal Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Banking Advice for Seniors (60+)
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
- TD Advice
TD Small Business Banking
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Employer Services
TD Corporate
Other TD Businesses
1 Value of up to $1,780 in welcome bonuses, savings and benefits is calculated as follows:
- TD Unlimited Chequing Account Offer3: Earn up to $203.40 in account fee savings for the TD Unlimited Chequing Account (the “New Chequing Account”) and completing the qualifying criteria as set out in the offer3. This value is based on $16.95 monthly account fee rebate for the first 12 months.
- Limited Time TD Unlimited Chequing Account Offer9: Earn $400 in cash upon opening a new TD Unlimited Chequing Account and complete the qualifying criteria in accordance with Limited Time TD Unlimited Chequing Account Offer below9;
- TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer10: Earn up to $524 in value11, including up to 20,000 Aeroplan points6 10 and no Annual Fee for the first year10. Conditions Apply11. Account must be opened by January 6, 2025.
- TD Direct Investing Offer13: Earn up to $199.90 in value with TD Direct Investing for an offer of a single Cash and Trade Reward for up to $100 cash as well as up to 10 rebated trades ($9.99 per trade). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory by November 1, 2024. This offer begins on November 1, 2024 and ends on February 25, 2025. Please see the complete terms and conditions below for eligibility13.
Eligible account types include:- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax Free Savings Account single account holder (TFSA)
- Registered Retirement Savings Plan single account holder (RRSP)
- Temporary workers and International Students are only eligible for a Cash account (single or joint account holder)
- TD Global Transfer Offer7: Up to $360 annual value is based on two money transfers per month for 12 months using TD Global Transfer™ at a fee of $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.
2 To qualify for the New to Canada banking package you must be the age of majority at time of account opening in your province or territory of residence and must be a Permanent Resident or Temporary Resident of Canada for 5 years or less and provide proof of your status through your:
- Permanent Resident Card,
- Confirmation of permanent residence (e.g., IMM Form 5292), or
- Temporary Permit (e.g., IMM Form 1442, 1208, 1102)
And provide 1 of the following pieces of personal identification:
- Valid passport
- Canadian driver’s license
- Government of Canada identification card
Note: Other identification documents may be acceptable or required. Please visit a TD branch for details.
We reserve the right to change, extend or withdraw this offer at any time.
4 TD Every day Savings Account 1.00% Interest Rate Bonus for 3 months Terms & Conditions: Savings Account bonus offer only applies to a TD Every Day Savings Account that is opened by customers who open the New Chequing Account. Bonus offer is limited to 1 eligible savings account per person and the type of savings account cannot change during the Offer Period. The bonus rate is in addition to the posted interest rate on the savings account and will be applied to the savings account commencing no later than 10 business days after the customer has accepted the New to Canada banking package and will be effective for 3 months thereafter (“Offer Period”). During the Offer Period, your New Savings Account is not eligible for any other offer. Regular posted interest rates will apply after the end of the Offer Period. Bonus interest will be calculated separately and paid monthly. Interest rates are subject to change without notice. All interest rates are per annum. For details on rates, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/account-rates/
5 TD Cash Back Visa* Card Offer Terms & Conditions: Limited Time Offer. This Offer starts on November 1, 2024 and ends February 25, 2025 (the "Offer Period") and is only available to those enrolled in New to Canada Banking Package during the Offer Period, and those New to Canada Primary Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by February 25, 2025. Offer consists of two parts that New to Canada customers may qualify for separately: a Mobile Purchase Bonus and a Cash Back Bonus
- Mobile Purchase Bonus: Earn $10 in Cash Back Dollars when you add your new TD Cash Back Visa* Card (opened during the Offer Period) to your mobile wallet and make a mobile Purchase within the first 5 months. Eligible Purchases for the Mobile Purchase Bonus: Purchases must be charged to the Account at any merchant that accepts Apple Pay, Google Pay, or Samsung Pay during the Offer Period. Purchases made using any other method of payment will not qualify.
- Cash Back Bonus: Earn $25 in Cash Back Dollars for every statement cycle when you spend $500 or more on your TD Cash Back Visa* Card for the first 5 months, up to a maximum of $125 in Cash Back Dollars. The total earned bonus will be a one-time payout.
Purchases made during a statement cycle but posted after the end of that statement cycle will not count towards eligible Purchases for that month and count towards eligible Purchases for the next statement cycle. For example, if your monthly statement cycle is from August 15 to September 14, a Purchase made on September 14 (transaction date) and posts on September 15 (posting date) will not count for eligible Purchase for that month and will count towards spend in the next month's statement cycle. If the August 15 to September 14 period was your 5th monthly statement cycle, then the Purchase that was made on September 14 and posted on September 15 would not count towards this Offer.
To earn up to $135 in Cash Back Dollars to the TD Cash Back Visa* Card, you must keep your Account open, active and in good standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions for each offer are fulfilled for the Cash Back Dollars to be credited to your TD Cash Back Visa* Card Account. This offer is not available to customers who have activated and/or closed a TD Cash Back Visa* Card Account in the last 12 months or transferred their existing TD Credit Card into a TD Cash Back Visa* Card Account, or closed a TD Credit Card within the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.
New to Canada Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card as part of the New to Canada Banking Package. The up to $135 Cash Back Dollar offer is available to New to Canada customers, who:
- Are at the age of majority at time of account opening in your province or territory of residence; and
- Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
- Does not have an existing TD Credit Card Account
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Annual interest rates, fees and features are current as of June 4, 2024 unless otherwise indicated and subject to change.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
20.99% |
$1.73 |
$3.45 |
$17.25 |
Cash Advances |
20.99% |
$1.73 |
$3.45 |
$17.25 |
Purchases – Default Rate |
25.99% |
$2.14 |
$4.27 |
$21.36 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
6 Aeroplan™ points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
7 TD Global Transfer Offer Terms & Conditions: The unlimited TD Global Transfer transfer fee rebate offer for up to 12 months is available to individuals who qualify for the New to Canada package and open a TD Unlimited Chequing Account (“the New Chequing Account”). During the period the New Chequing Account monthly account fees are waived (up to 12 months), a rebate of the transfer fee of the TD Global Transfer will be credited to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, provided that the New Chequing Account is still open and in good standing. Rebates are only eligible for transfers completed from the New Chequing Account, using the following transfer methods:
- Western Union® Money TransferSM
- Visa Direct
- TD Global Bank Transfer
The TD transfer fee is up to $25. The transfer fee amount is dynamic and will vary depending on the amount being sent, the recipient country and the currency of the account funding the transaction.
Foreign exchange and other banks fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp
For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/ . Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
8 Bundle Offer Terms and Conditions: To earn $100 in cash, a customer must meet the following conditions:
a. Open a new TD Unlimited Chequing Account (the New Chequing Account) between November 1, 2024, to February 25, 2025.
b. Open a new TD ePremium Savings Account or TD Every Day Savings Account (the TD Savings Account) by April 25, 2025 and complete one of the following with the TD Savings Account;
i. Set up a Pre-authorized Transfer Service with the first transaction processed by July 25, 2025. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month;
ii. Set up Simply Save with the first transaction processed by July 25, 2025; and
c. Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (a New TD Credit Card) by April 25, 2025. The New TD Credit Card must be kept open, active and in Good Standing for 60 days after account opening.
The $100 cash offer (Bundle Offer) is available to Canadian residents that are the age of majority at the time of the TD Savings Account and new TD Credit Card opening in their province or territory.
We reserve the right to limit the number of accounts opened by any one person. Bundle Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
The following are not eligible to earn the Bundle Offer:
- Customers who already had a TD Chequing Account that was closed on or after November 1, 2023,
- Customers who already have a TD Savings Account as of November 1, 2024,
- Customers who had a TD Savings Account that was closed on or after November 1, 2023,
- Customers who received any Savings Account offer from TD in 2022, 2023, 2024; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
- Customers who are a Primary Cardholder of a personal TD Credit Card as of November 1, 2024
- Customers who have activated and/or closed a personal TD Credit Card account in the past 12 months.
The $100 will be deposited to the Offer 2 Account within 12 weeks after all required Bundle Offer 2 conditions have been met, provided that the Offer 2 Account, the TD Savings Account and TD Credit Card are all still open, in Good Standing, and with the same Chequing Account type. All required conditions must continue to be met until fulfillment of the Bundle Offer 2. Maximum offer of $100 per TD Savings Account and new Credit Card opened during the offer period. Maximum offer of up to $100 per customer. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
We can change, extend, or withdraw the Bundle Offer 2 at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
9 Limited Time TD Unlimited Chequing Account Offer: The $400 Cash offer is available to individuals qualifying as New to Canada, that are the age of majority at time of account opening in their province or territory who:
a) Open a TD Unlimited Chequing Account (the New Chequing Account) between November 1, 2024 and February 25, 2025, and
b) Complete any two of the following with the New Chequing Account:
- Set up a recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Chequing Account before April 25, 2025. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month.
- Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 before April 25, 2025;
- Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the New Chequing Account before April 25, 2025. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-authorized Debit.
Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
The following are not eligible for the $400 Cash offer:
- Customers who already have a TD Chequing account that was closed on or after November 1, 2023; or
- Customers who already have a TD Chequing Account as of November 1, 2024; or
- Customers who received any Chequing account offers from TD in 2022, 2023, 2024; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $400 Cash offer per customer per New Chequing Account.
The $400 cash will be deposited to the new Chequing Account within 12 weeks of all conditions being met, provided that the New Chequing Account is still open, in good standing, with all conditions continuing to be met. The monthly fee for the New Chequing Account cannot be waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, and the type of account cannot have changed, before the $400 is deposited to the New Chequing Account.
We can change, extend, or withdraw the $400 Cash offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
For information about Chequing Account transactions and a complete list of account fees, see About Our Accounts and Related Services.
10 TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer: Account must be approved by January 6, 2025. Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Platinum* Card Account (“Account”) only after the first eligible Purchase is made on the Account. To receive the additional bonus 10,000 Aeroplan points ("Additional Bonus"), you must make $1,000 in net Purchases (including your first purchase, less any returns and credits) on your Account within 90 days of Account opening. Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate for the Primary Cardholder ("Primary Cardholder Annual Fee Rebate"), you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders by January 6, 2025. The applicable Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and additional bonus Aeroplan points awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and additional bonus Aeroplan points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus Aeroplan points and additional bonus Aeroplan points to be credited to your Aeroplan Member account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.
Interest rates, fees and features are effective as of June 4, 2024 unless otherwise indicated and are subject to change.
11 Offer ends January 6, 2025. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:
- $124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year;
- $400: 20,000 Aeroplan points earned based on the following requirements:
o Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card
o Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,000 within 90 days of Account opening
Value is based on the majority of current Aeroplan cardholders receiving a value of $0.02/points or more when redeeming for a flight as of Nov 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Nov 1, 2023.
Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online and all offers are contingent on satisfying the criteria outlined in the offer terms and conditions at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html.
12 The TD app and the TD MySpend app are free to download; however standard wireless carrier message and data rates may apply.
13 TD Direct Investing Offer Terms and Conditions: Earn up to $199.90 in value with TD Direct Investing for an offer of a single Cash and Trade Reward for up to $100 cash as well as up to 10 rebated trades ($9.99 per trade). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory by November 1, 2024. This offer begins on November 1, 2024 and ends on February 25, 2025. Please see the complete terms and conditions below for eligibility.
Cash and Trade Reward Details: To qualify for the Cash and Trade Reward, a client must:
1. Be participating in the New to Canada banking package prior to the completion of a New Account application (as described below). Confirm enrollment through a TD branch or by calling Easyline. Please see the complete terms and conditions for the New to Canada Banking package for eligibility.
2. Open a NEW TD Direct Investing account ("New Account") by February 25, 2025 using the promo code STARTSAVE. A New Account may not be a TD Easy Trade™ account. The account type opened must be a: Cash (single or joint account holder), Margin (single or joint account holder), TFSA, or RSP account. Locked-in registered, non-personal, joint, RESPs, RIFs and RDSP accounts do not qualify for this offer. Temporary residents are only eligible for a Non-Registered Cash account.
3. Transfer into the New Account $1,000 or more in investable assets or cash from another Canadian financial institution(s) or a TD Canada Trust account ("Qualifying Assets") by March 31, 2025 noting:
a. The Qualifying Assets must be in the New Account by no later than April 30, 2025.
b. Transfers originating from pre-existing TD Direct Investing, TD Easy Trade™, TD Wealth Financial Planning, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c. Qualifying assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
d. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of a New Account. USD balances will be converted into CAD to determine eligibility.
e. Where a client opens multiple New Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the New Accounts.
4. Place commissionable trades in the New Account within 12 months of its opening date. Rebates apply only to trades placed on WebBroker during this period. Trades placed over the phone with the assistance of an Investment Representative are not included. Up to 10 commission rebates ($9.99 per trade) will be applied to Canadian and U.S. equity, ETF, and/or option trades which incur a commission charge. For options trades, only the flat portion of the trade commission will be eligible for rebate, the commission fee per contract is not rebate eligible. Fixed income, mutual funds, bullion, new issues, and trades placed on markets which are not in the U.S. or Canada are excluded from this promotional offer.
Clients requiring assistance to register or otherwise apply for this offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- Clients must maintain a minimum of $1,000 in the New Account until April 30, 2025 following the transfer(s) of the Qualifying Assets (the "Qualification Period"). If withdrawals, deregistration, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets below $1,000, no reward will be granted. The value of Qualifying Assets will not be reduced if market value drops below threshold due to market events.
- Margin debit balances are allowed and will not be counted against the value of assets held on account. To receive commission rebates, a participant must keep their New Account in good standing with TD Direct Investing for 1 year following the account open date. Good standing requires that a New Account must not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
- Customers who previously opened a TD Direct Investing account under the New to Canada promo will not be eligible.
- Employees of TD Bank Group are not eligible for this offer.
- This offer may be changed, extended or withdrawn at any time without notice.
- This offer cannot be used in conjunction with any other TD Direct Investing offer.
- This offer is not transferrable to other clients or, if the client joins an existing household, to any preexisting account belonging to the household.
- There may be tax implications associated with the commission rebate. Clients should consult with their personal tax advisor for more information. For registered plans, the commission rebate is paid directly to the plan and is not considered a contribution.
- A new joint account refers to the cash or margin account that has more than one owner. The award is paid in full into the joint account and does not get allocated to each joint account owners. Joint account holders will share a single promotion only and is not eligible for an additional promotion individually. TD Direct Investing is not responsible for how the payout is distributed amongst joint account owners once the award is paid out.
- Up to 10 trade commissions will be rebated.
- If trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
- Commission fees will be rebated to the New Account which was charged the commission on a first-in first-out basis from the date the account is opened, up to 10 trades.
- Terms of fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to the New Account on February 28, 2025 and then rebate eligible commissionable trades to the New Account by every last business day of the month (starting March 31, 2025) for commissionable trades placed in the previous month. If last day of the month is a holiday, commission rebates will be applied within the next two business days.
- Terms of Award Payment: The cash award will be paid in CAD to the eligible client account by April 30, 2025. Where the client's Qualifying Assets are transferred to a single account, the Cash Reward will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Reward will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.
14 You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.
15 Account must be approved by January 6, 2025. Welcome Bonus of 15,152 TD Rewards Points ("Welcome Bonus") will be awarded to the TD Rewards Visa ("Account") only after you make $500 in Purchases on your Account, including your first eligible Purchase, within 90 days of Account opening. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. Your Account must be in Good Standing at the time the Welcome Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.
16 1 TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. 3 TD Rewards Points minimum redemption.
These are highlights of the Amazon.ca Shop with Points program for TD Rewards points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visit https://www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
Visa* is a registered trademark of Visa International Service Association, used under license.
* Trademark of Visa Int., used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.
Trademark of Visa International Service Association and used under license.
® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.