Canada
US
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
Sorry, we didn't find any results. You could check for misspelled words or try a different term or question.
We're sorry. Service is currently unavailable.
We found a few responses for you:
We matched that to:
Popular questions
Helpful related questions
Did you find what you were looking for?
Thank you
We're sorry. Service is currently unavailable.
Sorry this didn't help. Would you leave us a comment about your search?
Thank you
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 $1,930 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 Offer4: Earn $450 in cash when you open a new TD Unlimited Chequing Account ("New Chequing Account") by November 5, 2025 and complete the qualifying criteria in accordance with Limited Time TD Unlimited Chequing Account Offer4;
- TD Savings Account Offer5: Earn $50 in cash by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, TD GrowthTM Savings Account ("New Savings Account") or a High-Interest TFSA Savings Account (“TFSA HISA”) within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Savings Account Offer below5.
- Limited Time Savings Deposit Offer6: Earn $200 in cash based on a $10,000 new savings deposit balance, by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account (the "New Savings Account") or a High Interest TFSA Savings Account ("TFSA HISA") within TD faxCanada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Limited Time Savings Deposit Offer6
- TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer8: Earn up to $524 in value9, including up to 20,000 Aeroplan points8, 10 and no Annual Fee for the first year8. Conditions Apply9. Account must be opened by November 5, 2025.
- TD Global Transfer Offer14: Up to $105 annual value is based on seven Western Union® Money TransfersSM for 12 months using TD Global Transfer™ at a fee of up to $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.
- TD Direct Investing Offer15: Up to $300 value is based on the combined total value of:
o At least $100 in Cash Back when meeting the minimum funding requirement of $10,000
o Up to $100 in value from 10 commission-free trades (Up to $9.99 per trade)
o Up to $100 in the first year of maintenance fees rebated
o 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 May 29, 2025. This offer begins on May 29, 2025 and ends on November 5, 2025. Please see the complete terms and conditions below for eligibility.
- Amazon.ca Gift Card Offer16: Earn a $100 Amazon.ca Gift Card upon opening a new TD Unlimited Chequing Account AND a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account (the "New Savings Account") or a High Interest TFSA Savings Account ("TFSA HISA") within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening AND apply for and be approved for a new TD Credit Card16 in accordance with Amazon.ca Gift Card Offer below16.
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.
All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
We reserve the right to change, extend or withdraw this offer at any time.
3 TD Unlimited Chequing Account Offer: A TD Unlimited Chequing Account (the “New Chequing Account”) must be opened to qualify for the monthly account fee rebate. The monthly account fee will only be rebated for the first 12 months that the New Chequing Account is open and is limited to one account per person and the type of chequing account cannot change during the 12-month period. The monthly account fee rebate only applies to the regular/pro-rated monthly fee; all other fees will continue to apply. If the minimum monthly balance is maintained in the New Chequing Account in any given month during the first 12 months that the account is open and the monthly account fee is not charged, no monthly account fee rebate will be applied for that month. For details on fees, please see: http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp .
4 Limited Time TD Unlimited Chequing Account Offer: The $450 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. To earn $450 in cash, you must:
1. Open a new TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 and November 5, 2025.
2. Complete any two of the following with the New Chequing Account:
a. 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 January 9, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
b. Make an Online Bill Payment through EasyWeb or the TD app (minimum $50) before January 9, 2026.
c. Set up a recurring Pre-Authorized Debit (minimum $50) with the first Pre-Authorized Debit posted to the New Chequing Account before January 9, 2026. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-authorized Debit
The following are not eligible for the $450 cash offer:
a. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
b. Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
c. Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
d. Customers who received any Chequing Account offers from TD in 2023, 2024, 2025; or
e. 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 $450 cash offer per New Chequing Account. Limit of one $450 cash offer per customer.
The $450 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, and is one of the New Chequing Account types with all conditions continuing to be met. The monthly fee for the New Chequing Account cannot have been 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 $450 is deposited to the New Chequing Account.
We can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product.
For information about Chequing Account transactions and a complete list of account fees, see About Our Accounts and Related Services.
5 TD Savings Account Offer: The $50 cash offer is available to Canadian residents that are of the age of majority in their province or territory at the time of the New Savings Account opening. To earn $50 in cash, you must:
1. Open a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 and November 5, 2025, and
2. Open a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account ("New Savings Account"), or a High Interest TFSA Savings Account ("TFSA HISA") within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
3. Complete one of the following with the New Savings Account or TFSA HISA:
a. Set up a Pre-authorized Transfer Service with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.
b. Set up Simply Save with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening.
The following are not eligible to earn the $50 cash offer:
1. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
2. Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
3. Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
4. Customers who already have an existing TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account, or a TD Multi-Holding Tax-Free Savings Account as of May 28, 2025,
5. Customers who had a TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024,
6. Customers who received any Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
7. TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
Limit of one $50 cash offer per New Savings Account or TFSA HISA. Limit of one $50 cash offer per customer.
The $50 cash offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continue to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the $50 cash offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the $50 cash offer will be deposited into the TFSA HISA.
We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
6 Limited Time Savings Deposit Offer: The Savings Deposit Offer is available to individuals qualifying as New to Canada that are the age of majority at the time of account opening in their province or territory. To earn between $200 to $2,400 in cash, you must:
a. Open a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 and November 5, 2025, and
b. Open a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account ("New Savings Account"), or a High Interest TFSA Savings Account ("TFSA HISA") within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
c. Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account or TFSA HISA from another financial institution(s) within 30 days, in the case of a New Savings Account, or within 60 days in the case of a TFSA HISA opening, and maintain the balance for 120 days (the "Qualifying Deposit"), subject to the following:
i. If a customer withdraws or transfers any part of the Qualifying Deposit during the 120-day period, the amount of the Qualifying Deposit will be reduced accordingly. Should this adjustment cause the Qualifying Deposit to fall below the required minimum of $10,000, the customer will be ineligible for the offer.
ii. If a customer opens both a New Savings Account and TFSA HISA, or multiple New Savings Accounts and/or multiple TFSA HISAs, within 30 days of the New Chequing Account opening, the Qualifying Deposits in the New Savings Account(s) and/or TFSA HISA(s) cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account or TFSA HISA with the greatest Qualifying Deposit.
iii. If any part of the Qualifying Deposit is being transferred directly from another financial institution(s), all funds must be received from the other financial institution(s) by TD and deposited into the account within 30 days, in the case of a New Savings Account, or within 60 days in the case of a TFSA HISA.
iv. For greater certainty, funds originating from an account held at TD, including, but not limited to, transfers originating from account(s) held at TD and cash withdrawn from another TD account, do not count towards the Qualifying Deposit.
The following are not eligible for the Savings Deposit Offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account), as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024,
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account as of May 28, 2025,
- Customers who had a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024,
- Customers who received any TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
At the end of the 120-day period, the amount of the Savings Deposit Offer (maximum $2,400) will be determined according to the amount of the Qualifying Deposit at that time, based on the following chart:
Qualifying Deposit |
Cash Offer |
$10,000.00 to $24,999.99 |
$200.00 |
$25,000.00 to $49,999.99 |
$300.00 |
$50,000.00 to $99,999.99 |
$600.00 |
$100,000.00 to $199,999.99 |
$1,200.00 |
$200,000.00+ |
$2,400.00 |
Limit of one Savings Deposit Offer per eligible account. Limit of one Savings Deposit Offer per customer. The Savings Deposit Offer is limited to a maximum of $2,400.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
The Savings Deposit Offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continuing to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the Savings Deposit Offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the Savings Deposit Offer will be deposited into the TFSA HISA.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their New TFSA HISA exceeds their contribution limits under the applicable tax legislation
We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
7 TD Everyday 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/
8 TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer:This Offer starts on May 29, 2025 and ends November 5, 2025 (the "Offer Period"). To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Platinum* Card account (“Account”) by November 5, 2025, and (ii) not have opened an Account in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan Program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 10,000 bonus Aeroplan points ("Additional Bonus"), if $1,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 90 days of Account opening and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card by November 5, 2025 and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account by November 5, 2025. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) if the primary cardholder's credit card is not activated by November 5, 2025, amend this offer to reflect the current offer available at the time the card is activated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
Interest rates, fees and features are effective as of April 30, 2025 unless otherwise indicated and are subject to change.
9 Offer ends November 5, 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 Sept 30, 2024. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Sept 30, 2024.
10Aeroplan 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.
Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in Good Standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions). For more information about the Aeroplan Expiry policy please visit aircanada.com/aeroplan-inactivitypolicy.
11TD Cash Back Visa* Card Offer Terms & Conditions:
Annual interest rates, fees and features are current as of April 30, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on May 29, 2025 and ends November 5, 2025 (the "Offer Period") and is only available to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by November 5, 2025. You may qualify to earn up to a total value of $150 through this Offer:
Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $150 in Cash Back Dollars when you spend $1,500+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
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. To earn $150 Cash Back Dollar to the TD Cash Back Visa* Card, you must make $1500 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
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 of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any 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 $150 Cash Back Dollar offer is available to New to Canada customers, who:
1. Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
2. 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.
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 |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ 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.
12 Account must be approved by November 5, 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.
13 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.
14 TD Global Transfer Offer Terms & Conditions: The New to Canada TD Global Transfer offer is available to individuals who qualify for the New to Canada package and open a TD Unlimited Chequing Account (“the New Chequing Account”). Starting the month the New Chequing Account is opened, Western Union® Money TransferSM fees charged to the New Chequing Account will be credited back to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, up to a 12-month period. Only transfers completed from the New Chequing Account using the following transfer methods are eligible for the offer:
(i) Western Union® Money TransferSM
The Western Union® fee amount is dependent on the amount sent. The New Chequing Account must remain open and in good standing to be eligible for this offer.
Foreign exchange and other bank 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 https://www.td.com/ca/en/personal-banking/products/bank-accounts/accounts-fees.
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.
15 TD Direct Investing Offer Terms and Conditions: Get 1% Cash Back, up to 10 commission-free trades and your first year of maintenance fees rebated with TD Direct Investing.
This offer includes a 1% cash back with a minimum funding of $10,000, up to 10 rebated trades (up to $9.99 per trade) and quarterly maintenance fees rebated for the first year (up to $25 per calendar quarter). 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 May 29, 2025. This offer begins on May 29, 2025 and ends on November 5, 2025. Please see the complete terms and conditions below for eligibility.
To qualify for the offer:
1. Enroll 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 the EasyLine telephone banking service at 1-866-222-3456. 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 November 5, 2025 using the promo code CANADA.
- Eligible "Account(s)" for the Offer:
I. Cash (single or joint account holder)
II. Margin (single or joint account holder)
III. TFSA19
IV. RSP19
V. FHSA20
VI. Temporary residents may not be eligible for all account types mentioned.
- Account(s) not eligible for the Offer:
I. Locked-in registered
II. Any non-personal accounts
III. Registered Education Savings Plan (RESP)21
IV. Self-Directed Retirement Income Fund (RIF)21
V. Self-Directed Registered Disability Savings Plan (RDSP)21
VI. TD Easy Trade™ account
3. To qualify for the 1% Cash Back award, transfer $10,000 or more in investable assets or cash from another Canadian financial institution(s) ("Qualifying Assets") to the new eligible Account(s) by November 30, 2025:
- Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Wealth Management, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
- Transfers of mutual funds or Guaranteed Investment Certificates originating from TDCT accounts are not included in the Qualifying Assets
4. Each client must maintain the Qualifying Assets in their eligible Account(s) for 12 months ("Holding Period") after the Funding Deadline.
- Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
- If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
- Assets transferred into the Account(s) after the Holding Period will not form part of the Qualifying Assets
5. To receive a trade rebate, the client must 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. 10 commission rebates (up to $9.99 per trade) will be applied to Canadian and U.S. equity, ETF, and/or option trades which incur a commission charge. Both full share trades and partial share trades are included in the 10 rebated trades offer. 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.
6. If the New Account is charged maintenance fees, they will be rebated to the account on a quarterly calendar basis for the first 12 months since account opening.
Further Terms and Conditions:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Cash back Award.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between May 29, 2025, and November 30, 2026. Any withdrawals that occur within this period will be subtracted from the total deposits.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new account (whether single or joint), the Award will be deposited into that Account. Where a client has enrolled multiple new Accounts, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account. Transfer $10,000 or more in investable assets or cash from another Canadian financial institution.
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to 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.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable 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.
- An Account that is a 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 owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award and rebates. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
- Up to 10 trade commissions will be rebated. Full or partial share trades are applicable.
- If either full share trades or partial share 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 fee rebates will be deposited to the New Account which was charged the commission on a first-in first-out basis from the date the account is opened.
- Terms of fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to the New Account on January 30, 2026, and then rebate eligible commissionable trades to the New Account by every last business day of the month (starting February 27, 2026) 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 1% Cashback Award will be paid in CAD to the eligible client account by December 31, 2026. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility. Where the client's Qualifying Assets are transferred to a single account, the Cash Award will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Award will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.
- Terms of Maintenance Fee rebates: If the quarterly maintenance fee is charged to the account, it will be rebated back to the account on a quarterly calendar basis.
16 Amazon.ca Gift Card Offer Terms and Conditions: This offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Amazon.ca Gift Card offer.
The Amazon.ca Gift Card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Chequing Account opening and provided that the New Chequing Account, the TD Savings Account (or TFSA HISA) and TD Credit Card are all still open, in Good Standing, and with the same Chequing Account type until fulfillment of the Amazon.ca Gift Card offer. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Amazon.ca Gift Cards awarded by any one person.
To earn the $100 Amazon.ca Gift Card offer, you must complete all three conditions below:
1. Open a new TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025, to November 5, 2025.
2. Open a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account ("New Savings Account") or a High-Interest TFSA Savings Account (“TFSA HISA”) within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening and complete one of the following with the New Savings Account or TFSA HISA:
i. Set up a Pre-authorized Transfer Service with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.
ii. Set up Simply Save with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening.
3. 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 November 5, 2025. The New TD Credit Card must be kept open, active and in Good Standing for 60 days after account opening.
The $100 Amazon.ca Gift Card 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.
The following are not eligible to earn the $100 Amazon.ca Gift Card Offer:
a. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
b. Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
c. Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
d. Customers who already have a TD Savings Account or TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
e. Customers who had a TD Savings Account TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024;
f. Customers who received any TD Chequing Account, TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025;
g. TD staff members or any TD customers who have a joint account with a TD staff member;
h. Customers who are a Primary Cardholder of a personal TD Credit Card as of May 29, 2025;
i. Customers who have activated and/or closed a personal TD Credit Card account in the past 12 months.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their new TFSA HISA exceeds their contribution limits under the applicable tax legislation.
All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply. We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
17 The TD app and the TD MySpend app are free to download; however standard wireless carrier message and data rates may apply.
18 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.
19 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and the TD Waterhouse Tax-Free Savings Account.
20 Refers to the TD Waterhouse Self-Directed First Home Savings Account.
21 Refers to the TD Waterhouse Self-Directed Registered Education Savings Plan, the TD Waterhouse Self-Directed Retirement Income Fund and the TD Waterhouse Registered Disability Savings Plan.
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.