TD International Student Banking Package

¹To qualify for the International Student Banking Package, you must:

1) Be age of majority at the time of account opening in your province or territory of residence,

2) Provide your Study Permit from the Government of Canada (e.g., IMM Form 1442, 1208, 1102),

3) Be a full-time post-secondary student enrolled in an accredited university or college in Canada with Proof of Enrollment (Proof of Enrollment is a document that has been issued by the school and contain the student's name, the name of the University or College, program, and year of study. Acceptable proof of enrollment can include:

a tuition invoice or statement of account from the school for the current period of study,
a detailed timetable (current or upcoming period of study),
letter from Registrar’s office verifying enrollment.

4) For students studying in the Province of Quebec, a Quebec Acceptance Certificate (CAQ) is also required in addition to the documents noted above. If you have a Taxpayer Identification Number (TIN) and have not provided it before, you must provide it during your visit.

And provide 1 of the following pieces of personal identification:

Valid passport
Canadian driver’s license
Government of Canada identification card

Note: Other identification documents may be acceptable or required. Please visit a TD branch for details.

We reserve the right to change, extend or withdraw this offer at any time, and the offer cannot be combined with any other offer unless otherwise indicated.

Calculating $610 International Student Banking Package Valuation

² Up to $610 in value is calculated as follows: Offer 1) $100 Cash for opening a new TD Student Chequing Account + Offer 2) $75 value in TD Rewards Points to use as Amazon.ca Shop with Points with a TD Rewards Visa Card + Offer 3) $25 Cash Offer for setting up Overdraft Protection on your new TD Student Chequing Account + Offer 4) $360 annual value in TD Global Transfer transfer fee rebates + Offer 5) $50 Amazon.ca Gift Card = $610 total value:

Offer 1) Earn $100 Cash upon opening a new TD Student Chequing Account between June 1, 2023 and October 31, 2023 and completing the qualifying criteria in accordance to Offer 1 below.

Offer 2) Earn 22,727 TD Rewards Points, a value of $75 when redeemed on Amazon.ca Shop with Points when you apply by October 31, 2023, and are approved for a TD Rewards Visa Credit Card. You must meet the qualifying conditions in accordance with Offer 2 below.

Offer 3) Earn $25 Cash when a new TD Student Chequing Account customer applies, is approved and adds Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As You Go Overdraft Protection is not available for Quebec residents) to the new TD Student Chequing Account by Jan 31, 2024 and completing the qualifying criteria in accordance to Offer 3 below.

Offer 4) Save up to $360 annual value based on two money transfers per month for 12 months using TD Global Transfer™ at a fee of $15 per transfer. You must meet the qualifying criteria in accordance with Offer 4 below. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.

Offer 5) Earn a $50 Amazon.ca Gift Card if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for Offer 1); (b) open a new TD Every Day Savings Account, a TD ePremium Savings Account or a TD High Interest Savings Account by October 31, 2023; and (c) apply by October 31, 2023 and are approved for a TD Rewards Visa Card, TD Cash Back Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Aeroplan Visa Platinum Card, TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Cash Back Visa Infinite Card, or TD Emerald Flex Rate Visa Credit Card. You must meet the qualifying conditions in accordance with Offer 5 below.

Offer 1: TD Student Chequing Account $100 Cash Offer Terms & Conditions

³ To be eligible for the for the $100 Cash Offer, customers must:

1) Open a TD Student Chequing Account between June 1, 2023, and October 31, 2023 (the “New Chequing Account”), and

2) Complete any three of the following with the New Chequing Account before January 31, 2024:

(i) Set up a Recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Chequing Account by January 31, 2024. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval;

(ii) Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 by January 31, 2024;

(iii) Make an Interac e-Transfer® transaction to send or receive money (minimum $50) through EasyWeb or the TD app by January 31, 2024;

(iv) Make an online purchase using your TD Access Card with Visa* Debit by January 31, 2024. Regular transaction fees may apply, see About Our Accounts and Related Services for more information;

(v) Set-up a recurring Pre-authorized Transfer Service or Simply Save from the New Chequing Account to a TD Every Day Savings Account, TD ePremium Savings Account or TD High Interest Savings Account by January 31, 2024. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or

(vi) Apply, be approved and add Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As You Go Overdraft Protection is not available for Quebec residents) to your new TD Student Chequing Account by January 31, 2024. For any new TD Student Chequing Account that is a joint account, all account holders on the new TD Student Chequing Account must meet the Overdraft Protection eligibility requirements.

For any new TD Student Chequing Account that is a joint account, at least one account holder on the new TD Student Chequing Account must meet the eligibility requirements. Limit of one $100 Cash Offer per customer, per new TD Student Chequing Account. The $100 Cash Offer will be deposited to the New TD Student Account within 12 weeks of all conditions being met, provided that the new TD Student Chequing Account is still open, in good standing, with all conditions continuing to be met. We can change, extend, or withdraw the $100 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

The following are not eligible for the $100 Cash offer:

(i) Customers who already have a TD chequing account that was closed on or after June 1, 2022; or

(ii) Individuals who received any chequing account offer from TD from 2020 to 2022 or

(iii) TD staff members or a joint account with a TD staff member.

TD Savings Account 0.25% Interest Rate Bonus Terms & Conditions

⁴ Savings Account bonus offer only applies to a TD Every Day Savings Account, a TD ePremium Savings Account or a TD High Interest Savings Account that is opened by customers who open the New Chequing Account (the "New Savings Account"). Bonus offer is limited to 1 eligible savings account per person and the type of savings account cannot change during the Offer Period. The bonus rate is in addition to the posted interest rate on the savings account and will be applied to the savings account commencing no later than 10 business days after the customer has accepted the TD International Student banking package and will be effective for 6 months thereafter (“Offer Period”). During the Offer Period, your New Savings Account is not eligible for any other offer. Regular posted interest rates will apply after the end of the Offer Period. Bonus interest will be calculated separately and paid monthly. Interest rates are subject to change without notice. All interest rates are per annum. For details on rates, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/account-rates/

Offer 2: TD Rewards Visa Card 22,727 Welcome Bonus ($75 value on Amazon Shop with Points) Terms & Conditions

⁵ Must apply by Oct 31, 2023. To receive 22,727 Bonus TD Rewards Points awarded to the TD Rewards Account associated with the TD Rewards Visa* ("Account"), you must keep your Account open, active and in good standing for 90 days after Account opening. Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Your Account must be in good standing at the time the Welcome Bonus TD Rewards Points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. This offer is not available customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person.

This offer is not available to customers who transfer their existing TD credit card into a TD Rewards Visa account.

Annual interest rates, fees and features are current as of June 1, 2023 unless otherwise indicated and subject to change.

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

Quebec Only:

Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.

(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.

(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).

(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.

(v) Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases - Default Rate	25.99%	$2.14	$4.27	$21.36
Cash Advances - Default Rate	27.99%	$2.30	$4.60	$23.01

⁺ One (1) TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop with Points program. Three (3) TD Rewards Points minimum redemption. These are highlights of the Amazon.ca Shop with Points program for TD points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions, and restrictions, visit https://www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

The Toronto-Dominion Bank is the issuer of the TD Rewards Visa credit card.

Offer 3: Overdraft Protection $25 Cash Offer Terms & Conditions

⁶ To earn the $25 Overdraft Protection Cash offer, a new eligible TD Student Chequing account customer must apply, be approved, and add ODP Protection (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account by January 31, 2024.

The $25 Cash Offer will be deposited to the new TD Student Chequing Account within 12 weeks after the overdraft protection has been set up on the new TD Student Chequing Account, and the ODP Protection is still open, in good standing, with all conditions continuing to be met. Limit of one $25 Cash offer per customer per New Chequing Account with ODP. For any New Chequing Account that is a joint account, all account holders on the New Chequing Account must meet the ODP eligibility requirements. Each account holder must be age of majority in their province of residence to apply for ODP and is subject to credit approval.

Offer 4: TD Global Transfer Offer Unlimited transfer fee rebate for up to 12 months Terms & Conditions

⁷ The unlimited TD Global Transfer transfer fee rebate offer for up to 12 months is available to individuals who qualify for the International Student Banking Package and open a New Chequing Account. A rebate of the TD Global Transfer transfer fee will be credited to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction up to a 12-month period, starting the month the New Account is opened. Rebates are only eligible for transfers completed from the New Chequing Account, using the following transfer methods:

(i) Western Union® Money Transfer^SM

(ii) Visa Direct

(iii) TD Global Bank Transfer

The TD transfer fee is up to $25. The transfer fee amount is dynamic and will vary depending on the amount being sent, the recipient country and the currency of the account funding the transaction.

Foreign exchange and other bank fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp

For details of TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/ . Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.

Offer 5: $50 Amazon.ca Gift Card Terms & Conditions

⁸ This offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Amazon.ca Gift Card offer.

The Amazon.ca gift card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Chequing Account opening and provided all conditions have been met. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Amazon.ca Gift Cards awarded by any one person. Your TD account must be open, active and in good standing at the time the Amazon.ca Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card.
To earn the limited-time Amazon.ca Gift Card offer, you must complete all three conditions below:

1) Open a New Chequing Account between June 1, 2023, and October 31, 2023 and complete any three of the following with the New Account before January 31, 2024:

(i) Set up a Recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Chequing Account by January 31, 2024. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval.

(ii) Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 by January 31, 2024.

(iii) Make an Interac e-Transfer® transaction to send or receive money (minimum $50) through EasyWeb or the TD app by January 31, 2024.

(iv) Make an online purchase using your TD Access Card with Visa*Debit by January 31, 2024. Regular transaction fees may apply, see About Our Accounts and Related Services for more information.

(v) Set-up a recurring Pre-authorized Transfer Service or Simply Save from the New Account to a TD Every Day Savings Account, TD ePremium Savings Account or TD High Interest Savings Account by January 31, 2024. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or

(vi) Apply, be approved and add Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As you Go Overdraft Protection is not available for Quebec residents) to your New Account by January 31, 2024. For any New Account that is a joint account, all account holders on the New Account must meet the Overdraft Protection eligibility requirements.

2) Open a New Savings Account by October 31, 2023, and complete one of the following with the New Savings Account:

(i) Set up a Pre-authorized Transfer Service with your first transaction processed by January 31, 2024. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.

(ii) Set up Simply Save with your first transaction processed by January 31, 2024.

3) Apply for, be approved, and activate a new TD Rewards Visa Card, TD Cash Back Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Aeroplan Visa Platinum Card, TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Cash Back Visa Infinite Card, TD Emerald Flex Rate Visa Card (a "new TD Credit Card") by October 31, 2023. Your new TD Credit Card must be open, active and in good standing at the time the Amazon.ca Gift Card is issued.

4) Accept the offer by the date presented in the email, confirming qualification to receive the Amazon.ca Gift Card.

Customers who are a Primary Cardholder of a Personal TD Credit Card as of April 30, 2023 will not receive this offer. This offer is not available to customers who closed a Personal TD Credit Card account in the past 6 months.

Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated

Interac e-Transfer is a registered trademark of Interac Corp. Used under license.* Trademark of Visa International Service Association; Used under license.

® Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

TD International Student Banking Package

What's included in the TD International Student Banking Package?

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Bonus Offers that you may be eligible for

Am I eligible for this banking package?¹

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Additional resources

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Student Advice Hub

Ways to Bank

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TD International Student Banking Package

What's included in the TD International Student Banking Package?

Select your language

Bonus Offers that you may be eligible for

Am I eligible for this banking package?1

Ready to get your TD International Student Banking Package?

Additional resources

New to Canada

Student Advice Hub

Ways to Bank

Helpful articles

International students: What you need to bank in Canada

How to build your credit

Ways to Apply

Book an appointment

Locate a branch

Call us

Am I eligible for this banking package?¹