TD Direct Investing sets out a 2026 Easy Cash Offer for new and existing TD Direct Investing and TD Easy Trade clients. Registration is at the client level and is due by October 23, 2026. Existing clients can use the registration form; a client opening an account can use promo code CASHBACK. All eligible accounts for that client are then included.
The 3% tier covers TFSAs, individual or spousal RRSPs, FHSAs, LIRAs and LRSPs, although locked-in accounts are not available through TD Easy Trade. The 1% tier covers individual or joint cash and margin accounts and corporate accounts, with joint, margin and corporate availability more limited at TD Easy Trade. RIFs, LIFs, RESPs, RDSPs and non-personal accounts other than corporate accounts are excluded.
At least $2,500 in cash or investable assets must be transferred directly from financial institutions outside TD Bank Group by November 30, 2026. The first transfer must be completed within 60 days after registration or by November 30, whichever comes first. Transfers from any TD business do not qualify. Eligible assets across accounts are combined, converted to Canadian dollars when necessary, and assigned the reward rate of the account that first receives them. The total reward is capped at $15,000.
Withdrawals from eligible accounts between July 2, 2026 and November 30, 2028 reduce the qualifying total, including withdrawals of assets held before the offer and withdrawn interest or dividends; ordinary market declines do not. The first payment is 50% of the reward calculated from assets maintained through November 30, 2027 and is due by December 31, 2027. The remaining amount is recalculated after the hold through November 30, 2028 and is due by December 31, 2028.
The offer can be combined with TD's 2026 spring offer and certain other TD offers, but one asset cannot earn more than one promotional reward. Assets funded before July 31, 2026 remain under the spring terms, while assets funded from August 1 through November 30, 2026 fall under this offer. Assets that previously qualified for another promotion, including assets moved out and back in, are excluded. Accounts must remain open and in good standing through payment, and the client is responsible for tax consequences.