For a limited time only, new and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award").

🎁 For a limited time only, new and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award"). Plus get up to $150 in reimbursement of transfer fees when $25,000 or more in assets are transferred from another financial institution.
Our Rating
4.5/5
Institution
TD
Welcome Offer
Transfer Fees:
- New or existing clients who open a new TD Easy Trade account could be eligible for a reimbursement of account transfer fees of up to $150 when $25,000 or more in assets are transferred from another financial institution.
TD Direct Investing 2025 Step into Spring Offer (the "Offer")
- Offer Timeline: May 1, 2025 – July 31, 2025
- Offer Details: For a limited time only, new and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award")
- Offer is available for new and existing TD Direct Investing and TD Easy Trade clients
Offer Requirements
1) New Clients: Open a new Account(s) using the promo code CASHBACK2025 or REMISE2025 by July 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
2) Existing Clients: Register for the Offer using the registration form by July 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code CASHBACK2025 or REMISE2025 to enroll in the Offer.
- If an existing client holds multiple eligible accounts, all eligible accounts will be automatically registered for the Offer when the client completes the registration form.
Initiate a transfer of $10,000 or more in investable assets or cash from one or more financial institution(s) that are unassociated with TD Bank Group ("Qualifying Assets") to the new or existing eligible Account(s) within 30 days of registering for the offer.
- Registration Deadline: July 31, 2025
- Initial Funding Initiation deadline: 30 days post client registration date
- Initial Funding Completion deadline: 60 days post client registration date
- Last day to fund: August 31, 2025
- Holding Period: August 31, 2026
- Award Payment: By September 30, 2026
Rates and Fees
Standard Trading | |
---|---|
Stocks | $9.99 per trade $1.99 per partial trade |
Options | $9.99 + $1.25 per contract |
Maintenance Fees | $25 per quarter if total balance in your TD Direct Investing account is less than $15,000. However, there are a number of ways to have your maintenance fee waived through our Household Program. |
Transfer Fees | $150 |
Mutual Funds | No commissions apply to buy, sell or switch. Short term redemption fee may apply. |
Fixed Income | Commissions for Bonds, Strip Coupons, GICs, T-Bills and other fixed income and money market products are included in the quoted price. |
IPOs & New Issues | No commissions apply to New Issue expressions of interest |
Active Trading (150+ Trades/Quarter) | |
---|---|
Stocks | $7.00 per trade $1.99 per partial trade |
Options | $7.00 + $1.25 per contract |
Maintenance Fees | $25 per quarter if total balance in your TD Direct Investing account is less than $15,000. However, there are a number of ways to have your maintenance fee waived through our Household Program. |
Transfer Fees | $150 |
Mutual Funds | No commissions apply to buy, sell or switch. Short term redemption fee may apply. |
Fixed Income | Commissions for Bonds, Strip Coupons, GICs, T-Bills and other fixed income and money market products are included in the quoted price. |
IPOs & New Issues | No commissions apply to New Issue expressions of interest |
Eligibility
You are a Canadian resident and are of the age of majority in your province/territory of residence2
Features & Description
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Registered Education Savings Plan (single account holder) (RESP)2
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
- Corporate Account
Legal
New and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award"). This Offer is available starting May 1, 2025 and ends on July 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Registered Education Savings Plan (single account holder) (RESP)2
- Self-Directed Locked-In Retirement Accounts (LIRA)1
- Self-Directed Locked-In Retirement Savings Plan (LRSP)3
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate
- Retirement Income Fund (RIFs)1
- Life Income Fund (LIF)1
- Registered Disability Savings Plan (RDSP)1
- First Home Savings Account (FHSA)1
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Initiate funding within 30 days of opening or enrolling their Account(s).
- Be the age of majority in their province or territory by July 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a) New Clients: Open a new Account(s) using the promo code CASHBACK2025 or REMISE2025 by July 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b) Existing Clients: Register for the Offer using the registration form by July 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code CASHBACK2025 or REMISE2025 to enroll in the Offer.
- If an existing client holds multiple eligible accounts, all eligible accounts will be automatically registered for the Offer when the client completes the registration form.
2. Initiate a transfer of $10,000 or more in investable assets or cash from one or more financial institution(s) that are unassociated with TD Bank Group ("Qualifying Assets") to the new or existing eligible Account(s) within 30 days of registering for the offer. The transfer must be completed within 60 days of registering for the Offer. After the initial transfer condition is met, clients can continue to fund their account with additional Qualifying Assets until August 31, 2025:
- Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
- Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their eligible Account(s) until August 31, 2026 ("Holding Period").
- Any withdrawals, de-registers, or transfers out from any eligible Account(s) after registering for the Offer or before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
- If an existing client makes large withdrawals in any of their eligible account(s) between May 1, 2025 and the client registration date, these withdrawals may be included in the calculation of the client's 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 funding deadline will not form part of the Qualifying Assets
Key Dates:
- Registration Deadline: July 31, 2025
- Initial Funding Initiation deadline: 30 days post client registration date
- Initial Funding Completion deadline: 60 days post client registration date
- Last day to fund: August 31, 2025
- Holding Period: August 31, 2026
- Award Payment: By September 30, 2026
Cash back Award Details:
- 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 Qualifying Assets.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) as of August 31, 2026.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new or existing Account (whether single, joint or corporate), the Award will be deposited into that Account. Where a client has enrolled multiple Accounts (whether new or existing) that qualify for the Award, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
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:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. Good standing requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the Award. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- 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.
- This offer cannot be used in conjunction with the TD Direct Investing Aeroplan Take Flight Offer.
- The Offer is not transferrable.
- 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.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- 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. 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.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
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 Financial Planning Direct is a service offering from TD Wealth Financial Planning, 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 Banking services are offered by The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
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