VOL. XCIV, NO. 247
TD Direct Investing Review, Pricing, and Features
By Jera Value · Verified Aug 2026
TD Direct Investing combines Canadian brokerage accounts with WebBroker, mobile access, and eligible TD banking transfers. Research Canadian and U.S. stocks, ETFs, options, funds, and fixed income, with selected partial-share and commission-free ETF choices. Registered accounts support different saving needs. Standard whole-share trades are paid, and maintenance waivers depend on household balances or qualifying activity. Check the complete account and order costs before choosing it.
Verdict
Worth it if you want Canadian brokerage and registered accounts alongside TD banking.
- TD customers: move eligible funds between linked accounts
- Investment choice: access stocks, partial shares, and fixed income
- Active research: use WebBroker or eligible Advanced Dashboard
Skip it if you need free standard stock trades or account opening outside Canada.
- Canadian eligibility: residence, age, and account rules apply
- Trading costs: standard whole-share trades cost $9.99
- Maintenance fee: smaller households need a qualifying waiver
TD Direct Investing
Web / Mobile · How this site is funded
Pricing
Key fees from the official fee schedule
Source-checked · Aug 23, 2026Online Canadian and U.S. stocks
Eligible partial-share trades
Online options
Quarterly maintenance fee
This profile covers the full TD Direct Investing service. TD Easy Trade is a distinct app-based service with different account, product and free-trade terms. Standard brokerage credit balances currently pay 0%. T-bills, money-market instruments, GICs and high-interest savings account securities are separate investments. See the TD Direct Investing fee schedule for your country.
Key features
Stocks and ETFs
Trade Canadian and U.S. securities, including eligible partial shares.
Options trading
Access approved listed options through the brokerage.
Funds and fixed income
Research mutual funds, bonds, GICs, and other supported products.
Registered accounts
Choose eligible cash, margin, or Canadian registered accounts.
WebBroker and mobile
Use research and trading tools, with Advanced Dashboard where eligible.
Tax documentation
Receive Canadian tax forms and gain/loss reports.
Broker details
Account and availability
Available in 1 country
Account
Individual and joint cash or margin accounts, TFSA, FHSA, RRSP and spousal RRSP, RIF and locked-in retirement accounts, RESP and RDSP, Eligible corporate, trust, estate and investment-club accounts · CAD, USD base currency · No general account minimum stated
Cash and trading
Interest on uninvested cash
0%
Deposits
No TD deposit charge stated for standard electronic routes
TD account transfer, Canadian bank transfer or bill payment, Interac e-Transfer, branch deposit, phone transfer or brokerage transfer · Interac funding can be immediate; other routes vary
Withdrawals
Method and account-type fees can apply
TD or external bank transfer, registered withdrawal or account transfer · Varies by settlement, registration and review
Fractional shares
Limited availability
Eligible Canadian and U.S. stocks and ETFs · No numeric minimum stated; $1.99 trade fee
Tax support · Canada
Country tax report provided
Regulation and protection
TD Waterhouse Canada Inc.
Canadian Investment Regulatory Organization (CIRO)
Canadian Investor Protection Fund (CIPF) · Up to C$1,000,000 by CIPF account category
Covers missing eligible client property after member insolvency within CIPF limits, not market loss. Securities on loan through TD's stock-lending program are not CIPF-eligible while loaned.
Source-checked · Reviewed Aug 23, 2026 · Official sources: TD Waterhouse Canada account and disclosure documents, TD Direct Investing account selection, TD Direct Investing pricing, About CIPF coverage, TD Direct Investing annual interest rates, TD Direct Investing managing your money, TD Direct Investing partial shares, TD Direct Investing Tax Information Centre
FAQ
Is TD Direct Investing free?
TD Direct Investing should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is TD Direct Investing best for?
It suits beginner, intermediate, and advanced users.
What platforms and connections does TD Direct Investing support?
You can use TD Direct Investing on Web and Mobile.
Which markets does TD Direct Investing cover?
TD Direct Investing covers North America. Examples include CA. It tracks Stocks, ETFs, Options, Mutual Funds, and Bonds. Identifiers include Ticker and CUSIP.
Tool details
Highlights
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Domain Rating by Ahrefs
Asset types
- Stocks
- ETFs
- Options
- Mutual Funds
- Bonds
Coverage regions
Alternatives
If TD Direct Investing is not the right fit, these substitutes come closest.
Comparisons
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.