The gravy train continues for those willing to put in some effort. TD’s offer is listed here, but I’ll give you the highlights:

• TFSA, RRSP, FHSA, LIRA, LRSP accounts: 2% cash back on new transfers for new or existing customers
• Non-registered accounts (margin or otherwise) are eligible for 1% cash back
• Not eligible: RRIF accounts (boo!)
• Register before March 2,2026; complete transfers by March 31, 2026¹
• Keep the money there until March 31, 2027, and get paid by April 30, 2027
• $5000 limit on free money provided (meaning $250k in assets transferred).

I myself have no experience with TD’s product, but per their fee schedule, I see they still charge for stock/ETF trades, $9.99 a pop². It’s zero for mutual funds, if that’s your thing.

Given that Questrade is still giving me free money for another year, and given that RRIF accounts aren’t eligible, I’ll be sitting this one out. But this TD offer looks pretty generous, so of possible interest to others out there.

1. You might not want to wait until the very last minute to register; the Ts and Cs make it sound like you’ll be out of luck if your transfer in doesn’t land by the 31st. ↩︎
2. Reduced to $7 a pop if you trade a lot, defined by TD as >150 trades a quarter. ↩︎