Transfer Bonuses
Brokerage Transfer Offers
Canadian discount brokers run cash promos for incoming transfers. Enter your portfolio size: we'll show net cash bonus for each, after the transfer-out fee.
Your Portfolio
Outgoing broker transfer-out fee
Most Canadian brokers charge $50–$150 to transfer out. Some reimburse it. See each offer.
Best move
Enter your portfolio size above to see your best move and net bonus after fees.
All offers
Ranked by annualized net bonus: a shorter hold period counts for more.
Self-Directed / Easy Trade
2.0% match, up to $10,000
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- ·2% cash back on transfers to eligible REGISTERED accounts (TFSA, RRSP, FHSA, LIRA, LRSP). 1% on non-registered. Calculator assumes registered: if you're transferring a non-registered account, halve the displayed bonus.
- ·Min transfer $10,000. Max reward $10,000 (the 2% cap binds at $500k of registered transfer).
- ·Register by June 30, 2026; first transfer must initiate within 30 days of registration and complete by July 31, 2026.
- ·Hold until July 31, 2027 (~15 months). Reward paid as one lump sum by August 31, 2027.
- ·Withdrawals during the hold period reduce the qualifying amount dollar-for-dollar, including from accounts you held at TD before the offer.
- ·Assets that previously qualified for any prior TD promotional offer are excluded (this includes assets transferred out and back in).
- ·TD reimburses transfer-out fees up to $150 plus tax for transfers over $25,000.
Self-Directed
1.0% match, up to $10,000
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- ·1% cash back on deposits of $5,000+ when held for 12 months. Half-bonus (0.5%) if held only 6 months. Calculator assumes the 12-month full bonus.
- ·Plus 150 free trades when you deposit $10,000+ (worth ~$1,492 at the standard $9.95 equity commission).
- ·Use promo code SDCASHFT when opening the account.
- ·Available to new BMO InvestorLine clients only: this is a first-account promo, not a re-up.
- ·Bonus cap of $10,000 binds at $1M deposit.
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- ·5-tier flat cash bonus: $100 at $1k, $250 at $5k, $500 at $50k, $1,000 at $100k, $2,000 at $200k+.
- ·Use code SPRING26 on the new account application (May 1 – July 31, 2026).
- ·Funds must be held until August 31, 2027 (~16 months). Reward paid on or around September 30, 2027.
Self-Directed
1.0% match, up to $20,000
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- ·1% match on net new transfers $25k–$2M (max bonus $20,000), paid in equal monthly installments over 24 months.
- ·You may withdraw up to 20% of the cumulative qualifying amount during the 24-month hold without clawback. Above 20% triggers proportional clawback of remaining payments.
- ·Wealthsimple reimburses one outgoing transfer-out fee per account when the qualifying transfer from that account is $25k or more.
- ·Bonus is taxable as interest income (T5).
- ·This is the standalone 1% offer, separate from the (Un)Real Deal home giveaway, which closed March 31, 2026.
Self-Directed
No active transfer-bonus promo at the time of writing. Questrade typically runs a transfer promo each year. Check back during RRSP season.
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- ·Questrade still reimburses transfer-in fees up to $150 outside of any specific promo.
- ·$0 commission on stock and ETF buys; $4.95–$9.95 on sells.
IBKR Pro
No active Canadian transfer-bonus promo. IBKR competes on cost: currency conversion at ~0.002% (vs. 1.5% at most Canadian brokers) typically saves a recurring USD trader more per year than any one-time bonus.
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- ·Built for active traders, not buy-and-hold.
- ·If you regularly trade USD-listed securities, the FX-cost savings dominate the bonus comparison. See /norberts-gambit for the side-by-side math.
- ·Minimum $2 USD per FX conversion; below ~$136k CAD per conversion, the effective rate is higher than 0.002%.
Eligibility & fine print
- ·Most transfer bonuses require a new account or net-new assets: funds you already hold at that broker typically do not qualify.
- ·You must hold the assets for the required period without withdrawals above any allowed threshold, or the broker may claw back the bonus proportionally.
- ·Partial withdrawals during the hold period reduce the qualifying balance dollar-for-dollar at most brokers, lowering your final bonus.
- ·Promotions can change or be discontinued without notice. Always verify terms on the broker's official offer page before initiating a transfer.
- ·Transfer timelines vary: in-kind transfers (moving securities rather than selling and moving cash) can take 2–6 weeks.
Tax disclaimer
Cash bonuses received from a brokerage may be taxable as income. We do not show after-tax figures. Speak to a qualified accountant about how a transfer bonus affects your tax situation.