TD Direct Investing Promo Code CASHBACK: 3% Cash Back on Transfers (1% Non-Registered)
Use promo code CASHBACK by October 23, 2026 to get 3% cash back on transfers into a TD Direct Investing TFSA, RRSP or FHSA and 1% on non-registered accounts, capped at C$15,000. The assets must stay until November 30, 2028.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-09-30 · How we rate
Risk warning: Trading carries a high risk of losing money, especially with leveraged products such as CFDs. A bonus does not reduce that risk. Only deposit what you can afford to lose.
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Checking availability…The catch
The reward is paid as cash into your eligible accounts in two halves, by December 31, 2027 and by December 31, 2028. Each payment is calculated on the transferred total still held on November 30, 2027 and November 30, 2028. Any withdrawal from an eligible account during the campaign reduces that total, and dropping below C$2,500 through withdrawals cancels the payment. In a registered plan the reward stays inside the plan, so taking it out follows that plan's normal withdrawal and tax rules.
How to claim
- New clients: open an eligible TD Direct Investing or TD Easy Trade account with promo code CASHBACK by October 23, 2026.
- Existing clients: complete TD's online registration form with an eligible account number by October 23, 2026.
- Make your first transfer from a non-TD institution within 60 days of registering, and move at least C$2,500 in cash or investments by November 30, 2026.
- Keep the transferred assets in eligible accounts until November 30, 2028, avoiding withdrawals and moves to ineligible accounts.
- Receive 50% of the reward by December 31, 2027 and the rest by December 31, 2028, paid into the accounts that received the transfers.
Full review
TD Direct Investing's 2026 Easy Cash Offer pays cash back on money and investments you move in from another financial institution: 3% on transfers into eligible registered accounts (TFSA, RRSP, FHSA, LIRA, LRSP) and 1% on transfers into cash, margin or corporate accounts, capped at C$15,000 per client. A C$10,000 TFSA transfer earns C$300, and C$25,000 moved into a non-registered cash account earns C$250. Both new and existing clients qualify. New clients open an eligible account with promo code CASHBACK; existing clients register through TD's online form. Registration closes on October 23, 2026, the first transfer must be made within 60 days of registering, and at least C$2,500 must arrive by November 30, 2026. Transfers from any part of TD Bank Group do not count.
The catch is the length of the hold. You must keep the assets in your eligible accounts until November 30, 2028, two full years after the funding deadline, and no cash arrives until the first half is paid by December 31, 2027. The second half is paid by December 31, 2028. Any withdrawal from an eligible account between July 2, 2026 and November 30, 2028 reduces the amount the reward is calculated on, including withdrawals of dividends, interest and assets you held before the offer. If withdrawals push the qualifying total below C$2,500 on November 30, 2027 or November 30, 2028, that payment is lost. Market losses alone do not count against you. Moving assets from a 1% account to a 3% account does not raise the rate: the reward follows the account the assets first landed in. RIF, LIF, RESP and RDSP accounts are excluded. For registered plans, TD pays the reward into the plan and says it is not considered a contribution. TD also says the reward may have tax implications, so check with a tax advisor. Accounts must stay open and in good standing, with no debit balance or margin call, until payout. Separately, transfers of C$25,000 or more qualify for reimbursement of transfer-out fees, up to C$150 per transfer and four transfers, so C$600 per client.
Pros
- +3% cash back on transfers into TFSA, RRSP and FHSA accounts, paid as real cash
- +Open to existing TD Direct Investing clients as well as new ones
- +Low C$2,500 minimum transfer
- +Market drops do not reduce the reward; only withdrawals do
- +Transfer-out fees reimbursed up to C$150 per transfer (four transfers, C$600 per client) on transfers of C$25,000 or more
Cons
- −Assets must stay until November 30, 2028, and withdrawals before then shrink or cancel the reward
- −Nothing is paid until December 2027, and the second half arrives by December 2028
- −Only 1% on cash, margin and corporate accounts
- −Transfers from other TD accounts or TD Bank do not count
- −For existing clients, withdrawing assets held before the offer also reduces the reward
- −Canadian residents only, and registration closes on October 23, 2026
3% cash back (1% non-registered) with TD Direct Investing
Now you know the terms. Claim it on the broker's own site.
Sources & verification
We research every bonus from the broker's official pages and re-check it on a 60-day schedule.
Confirmed against official sources: Bonus amount, Minimum deposit, Account type, Withdrawal terms, Turnover requirement, Hold requirement, Time limit, Eligible countries, Restricted countries, Expiry date.
Broker regulation: Canadian Investment Regulatory Organization (license Investment Dealer), Canadian Investor Protection Fund (license Member - Investment Dealer).
Last verified 2026-09-30. Next review within 60 days.