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Canadian bank-backed self-directed investing platform from TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank, offering WebBroker, TD app, Advanced Dashboard and TD Active Trader access for Canadian and U.S. stocks, ETFs, options, mutual funds, fixed income, GICs, new issues and gold/silver certificates.
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84
/100
Overall
Overall is usable, but check the supporting evidence and caveats.
Headline score from research fields, regulation evidence, and scoring payload.
Forex/CFD traders comparing cost, platforms, trust, and withdrawal terms.
Entity, country restrictions, and high-risk fee fields should be checked carefully.
Before you decide
Restricted Countries
["Canada-focused; account eligibility generally requires Canadian residency/SIN for many account types; temporary Canadian residents may apply for a non-registered cash account in branch"]
Negative Balance Protection
Not disclosed as a formal negative-balance-protection policy; margin/cash account debit balances and under-margined/debit balance handling fees are disclosed
Withdrawal Processing Time
Not disclosed; TD reserves the right to require a seven-day notice period for intended withdrawals
Withdrawal Fee
EFT fee not disclosed in reviewed sources; cheque pick-up $6.50; registered full withdrawal $100 excluding RDSP/RESP/TFSA/RRIF; partial RRSP/Basic RRSP/LIRA/LRSP withdrawal $25; account transfer out $150
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Important disclosure
Availability, fees, investor protection, and regulation can vary by country and legal entity. Verify the broker and regulator details directly before opening an account.
84
/100
Overall score
Overall score is usable, but check the supporting evidence and caveats.
Trust looks strong, with high-confidence evidence. Still verify country/entity terms.
Withdrawal is usable, but check the supporting evidence and caveats.
Availability
Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.
["Canada-focused; account eligibility generally requires Canadian residency/SIN for many account types; temporary Canadian residents may apply for a non-registered cash account in branch"]
SourceEvidence
["Canadian Investment Regulatory Organization (CIRO)"]
SourceCIRO dealer member; specific license/registration number not found in reviewed public TD pages
Source["TD Waterhouse Canada Inc."]
SourceNot disclosed as a formal negative-balance-protection policy; margin/cash account debit balances and under-margined/debit balance handling fees are disclosed
SourceCanadian Investor Protection Fund (CIPF) coverage through TD Waterhouse Canada Inc. as a CIPF Investment Dealer member firm
Source0
SourceNot applicable to disclosed stock/ETF/options commission model; bond/GIC fixed-income commissions are embedded in quoted prices
SourceOnline/app: select ETFs $0; Canadian and U.S. stocks $9.99 per trade standard or $7.00 active trader; partial shares $1.99; options $9.99 + $1.25/contract standard or $7.00 + $1.25/contract active trader
Source["Canada-focused; account eligibility generally requires Canadian residency/SIN for many account types; temporary Canadian residents may apply for a non-registered cash account in branch"]
Source["Stocks", "ETFs", "Options", "Fixed income securities", "GICs", "Mutual funds", "New Issues", "Gold and silver certificates"]
Source["WebBroker", "TD app", "Advanced Dashboard", "TD Active Trader", "Telephone Services"]
Source["Self-Directed Cash Trading Account", "Self-Directed Margin Account", "Self-Directed Active Trader Margin Account", "TFSA", "FHSA", "RRSP", "RRIF", "RESP", "RDSP"]
SourceVS next
These brokers share similar type or asset-class signals. Open the VS page to compare regulation, cost, platforms, withdrawals, and caveats side by side.
Overall 91 · Trust 100
Security- and margin-account dependent; public reviewed pages do not disclose a single maximum leverage ratio
SourceNo charge for deposits/contributions through EasyLine, EasyWeb, TD Canada Trust branch or TD Direct Investing location; third-party/ABM/banking fees may apply for MoneyLink/other services
SourceEFT fee not disclosed in reviewed sources; cheque pick-up $6.50; registered full withdrawal $100 excluding RDSP/RESP/TFSA/RRIF; partial RRSP/Basic RRSP/LIRA/LRSP withdrawal $25; account transfer out $150
SourceNo inactivity fee found; TD discloses a $25 quarterly maintenance fee for households under $15,000 unless waiver criteria are met
Source["TD Canada Trust EasyWeb/TD app transfers", "WebBroker transfer", "Interac e-Transfer from another bank", "online bill payment", "TD Canada Trust branch", "TD Bank U.S. branch", "EasyLine telephone banking", "transfer in cash or in kind from another brokerage"]
Source["Electronic Fund Transfer (EFT)", "TD Canada Trust branch or TD Direct Investing location cheque pick-up", "systematic mutual fund withdrawals", "investment income sweeps"]
Source
Overall 91 · Trust 100
Overall 88 · Trust 93