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TD Direct Investing Review 2026

Stocks · ETFs · Options · Rank #10 in Stock Brokers
7.7
/ 10 · Lucidrate score
Fees
$9.99/trade
Min. deposit
$0
Markets
US · Canada
Regulation
CIRO · CIPF
Visit TD Direct Investing →Capital at risk. Terms vary by country.

Overview

TD Direct Investing is the self-directed brokerage arm of TD Bank, one of Canada's Big Five. It offers deep research and seamless banking integration at the cost of old-school commissions.

Key Features

Fees

Flat $9.99 per online equity trade ($7.00 for active traders), which is the big-bank standard and roughly ten times what discount competitors charge. There's no commission-free ETF program, making it expensive for frequent small trades.

Regulation & Safety

As part of TD Bank Group, it operates under CIRO regulation with CIPF protection. Institutional stability is about as strong as it gets in Canada.

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Platform Experience

WebBroker is one of the better big-bank platforms, with solid research from multiple providers. The Advanced Dashboard adds streaming data and better order management for active clients.

Mobile App

The TD app handles investing alongside banking competently, though it trails fintech competitors in design and speed.

Pros & Cons

Pros

  • Big-bank integration
  • Strong research (WebBroker)
  • CIPF protected

Cons

  • High commissions
  • Dated platform

Who Is TD Direct Investing Best For?

Existing TD banking clients who value one-institution convenience and research depth over trading costs.

Final Verdict

TD Direct is a solid, safe, full-featured broker weighed down by legacy pricing. If you trade rarely and bank with TD, the convenience can justify it; cost-conscious investors will do better at Questrade or Wealthsimple.

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Frequently Asked Questions

How much does TD Direct Investing charge per trade?
$9.99 per online stock trade, reduced to $7.00 if you make 150+ trades per quarter.
Does TD Direct have free ETFs?
No — standard commissions apply to ETF trades, unlike Questrade (free buys) or Wealthsimple (free trades).
Is TD Direct Investing safe?
Yes — CIRO-regulated with CIPF protection, backed by one of North America's largest banks.

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