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Our banking package for newcomers

New to Canada banking package1

Start building your financial foundation in Canada.

To qualify for the New to Canada banking package:

  • You are either a Permanent Resident or Temporary Resident of Canada for 2 years or less
  • You provide proof of your status through your Permanent Resident Card or Temporary Permit
  • You have never opened or held a TD Chequing Account
  • You are the age of majority in your Province or Territory of Residence

Get a chequing account with no monthly fee:

  • TD Unlimited Chequing Account
  • No monthly account fee for 6 months!2
  • As many transactions as you need
  • Apply and add Overdraft Protection to your account for those times when you are a little short on funds3
  • No TD fee to use any ATM in Canada4
  • Free to send money using Interac e-Transfer®

Get a savings account with a bonus rate5

Get a credit card6:

  • A credit card can help you build your Canadian credit history
Are you a Permanent Resident?
If you are a Canadian Permanent Resident, you are eligible for an unsecured TD Credit Card with a credit limit of up to $5,000 even if you have no Canadian credit history.

Are you a foreign worker or international student?
If you are a temporary resident, including foreign worker or international student, you can apply for a secured TD Credit Card.

How can you apply?
To apply for a TD Credit Card, visit your local TD Canada Trust branch and provide proof of your status with one of the following documents:
- Permanent Resident Card
- Confirmation of permanent residence
(IMM Form# 5292)
- Temporary immigration permit
(IMM form# 1442, 1208, 1102)

PLUS one of the following documents:
- Valid Passport
- Canadian Driver’s License
- Canadian Government Identification card

Other identification may be acceptable or required. Please visit a TD Canada Trust Branch for details.

Get no-fee money transfers:

  • Transfer money internationally using Visa Direct and we’ll refund the transfer fee on one transfer per month for six months7
  • Send money to over 170 countries in more than 150 currencies8

When you visit a TD branch, you’ll need to bring 2 pieces of identification:

  1. One of the following documents:
    • Permanent Resident Card
    • Confirmation of permanent residence (e.g., IMM Form 5292)
    • Temporary Permit (e.g., IMM Form 1442, 1208, 1102)
    PLUS

  2. One of the following documents:
    • A valid passport
    • Canadian Driver’s Licence
    • Canadian Government Identification card
Other identification documents may be acceptable or required. Please visit a TD branch for details.

Are you an International Student?

From everyday banking to credit cards and money transfers, see how we’ve got you covered while you settle in with the TD International Student Package.

Are you ready to get started? Visit a local branch.

More than 1,150 branches to serve you – in multiple languages.

Find a Branch near you

Make an appointment

Buy your first home in Canada9

  • You may qualify for a TD mortgage, even if you don’t yet have credit in Canada
  • A TD specialist can help guide you with the financing for a new home
  • As your goals and finances change, TD flexible mortgage features let you adapt your payments to fit your needs

Get Pre-Approved

You pick the time and we'll contact you.

Visit a branch at a time that's convenient to you.

Find a Mortgage Specialist that's close to you and request a meeting.

Helping you every step of the way

  • Financing a car
  • Financing a home
  • Planning for your children’s education
  • Investing your savings
  • Starting a business

See how to borrow, save and invest

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