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TD Canada Trust
List of Services & Fees
Effective Date: May 24, 2022
Here i
s
a
list of all the services that are available at TD with your personal deposit account or other personal banking product ("Account").
You pay a service fee, in addition to any transaction fees and monthly fees that apply unless the services are included with your Account.
Some of these services may be available only on a deposit account. Some of these services may also be available on your High Interest TFSA
Savings Account and, if so, you pay the service fee. Fees and limits are in the currency of the Account unless noted below.
Making p
urchases with your TD Access Card Fees
Purchases in Canadian dollars
Purchases at merchants in Canada and with online stores that accept Canadian dollar payments.
No service fees
Purchases in a foreign currency if your TD Access Card has a Visa Debit logo
If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is
converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction
is posted to your Account.
The amount posted to your Account will include a fee equal to 3.5% of the purchase amount after conversion to
Canadian dollars.
For example:
For a US $10 purchase, where the rate set by Visa International is 1.3 (US $1.00 costs CA $1.30)
Amount after conversion = US $10 x 1.3 = CA $13.00
Fee = CA $13.00 x 3.5% = CA $0.46 (rounded up from $0.455)
Total withdrawal amount = CA $13.00 + CA $0.46 = CA $13.46
3.5%
of the Canadian dollar
amount after conversion
of the foreign currency
amount at the rate set by
Visa International
Purchases in a foreign currency if your TD Access Card does not have a Visa Debit logo (NYCE)
If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is
converted to Canadian dollars at an exchange rate that is calculated by adding 0.035 to the rate set by
Interac Corp. in effect on the date the transaction is posted to your Account.
For example:
For a US $10 purchase, where the rate set by Interac Corp. is 1.3 (US $1.00 costs CA $1.30)
Exchange rate = 1.3 + 0.035 = 1.335
Total withdrawal amount = US $10 x 1.335 = CA $13.35 (includes the fee in the amount of CA $0.35)
0.035
is added to the exchange
rate set by Interac Corp.
Pre-authorized payments
If you have a pre-authorized payment (PAP) with a merchant and your Card number or Card expiry date
changes, you agree that we may, but we are not required to, provide that merchant with your new Card number
or Card expiry date including by using the updating service provided to us through your Card's payment card
network. We are not responsible if any PAPs cannot be posted to the Account. You must settle any dispute or
liability you may have for the transactions relating to those PAPs directly with the merchant involved.
If you do not want your new Card number or Card expiry date to be included in the updating service provided
by your Card's payment card network, and wish to opt-out of this service, you may do so by contacting us at
1-866-222-3456.
No service fees
Interac e-Transfer
®
Fees
Send Money
Up to and including $100:
$0.50
Over $100:
$1.00
If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing
Account, TD Student Chequing Account or TD Wealth Private Banking Account:
No service fees
Request Money
Up to and including $100:
$0.50
Over $100:
If the request is accepted, the fee will be charged to the Account the money is deposited into.
$1.00
If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing
Account, TD Student Chequing Account or TD Wealth Private Banking Account:
No service fees
Cancel a Send Money payment:
$5.00