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.
Data freshness
9 of 9 offers have structured source checks
Most recent check: Jun 28, 2026. 2 offers expire within 30 days.
Your Portfolio
Outgoing broker transfer-out fee
Most Canadian brokers charge $50–$150 to transfer out. Some reimburse it. See each offer.
Account type
Some offers (TD) pay different rates for registered (TFSA/RRSP/FHSA/LIRA/LRSP) and non-registered (taxable) accounts.
Best move
Enter your portfolio size above to see your best move and net bonus after fees.
Transfer-cash offers
Ranked by annualized net bonus. Action promos and coupon rewards are shown separately so they do not distort transfer-bonus math.
Show details
- ·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.
- ·Offer period runs May 4-August 31, 2026, per the official BMO InvestorLine SDCASHFT terms.
- ·Plus 150 free trades when you deposit $10,000+.
- ·Use promo code SDCASHFT when opening the account.
- ·Bonus cap of $10,000 binds at $1M deposit.
- ·The sampled SDCASHFT terms do not include a flat transfer-fee reimbursement. Verify with BMO if your outgoing broker charges a transfer fee.
Eligibility: New BMO InvestorLine clients opening a first eligible account.
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- ·Tiered cash back for transfers from outside the CIBC group: $1,000 at $100k, $2,500 at $250k, $5,000 at $500k, $10,000 at $1M, and $15,000 at $2M+.
- ·Transfer paperwork must be initiated by September 30, 2026, and transferred assets must be received by October 31, 2026.
- ·Transferred assets, minus withdrawals, must remain above the applicable tier threshold until the cash credit is deposited.
- ·CIBC says cash back will be deposited during the week of November 19, 2027.
- ·Calculator uses an 18-month hold approximation from the May 2026 verification date to the November 2027 payout week; later transfers have a shorter wait.
Eligibility: New and existing Premium Edge clients transferring eligible assets from outside CIBC.
Funding deadline: Oct 31, 2026
Expected payout: Nov 19, 2027
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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 by July 31, 2026.
- ·Funds must be held until August 31, 2027. Reward paid on or around September 30, 2027.
- ·Transfer-out fee reimbursement up to $150 applies only when transferring $15,000 or more.
Eligibility: New Qtrade Direct Investing account applications using code SPRING26.
Expected payout: Sep 30, 2027
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.
Eligibility: Net-new transfers between $25,000 and $2,000,000.
No active ranked transfer-cash bonus found. Questrade does reimburse transfer-in fees up to $150 per account.
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- ·Questrade's current new-customer cash bonus is action-based rather than transfer-size-based, so any active Questrade promo is shown under Other current promos instead of ranked transfer math.
- ·Questrade still reimburses transfer-in fees up to $150 per account outside of a specific transfer-bonus promo.
- ·$0 commission on stock and ETF trades, buys and sells.
Eligibility: Any eligible account transfer to Questrade.
No active Canadian transfer-bonus promo. IBKR competes on cost: currency conversion at about 0.002% with a $2 USD minimum.
View offerShow details
- ·Built for active traders, not buy-and-hold.
- ·If you regularly trade USD-listed securities, the FX-cost savings can dominate the bonus comparison. See /norberts-gambit for the side-by-side math.
- ·Minimum $2 USD per FX conversion; below roughly $136k CAD per conversion, the effective rate is higher than 0.002%.
Eligibility: No current Canadian transfer-bonus promo found.
Other current promos
These offers may be useful, but their value depends on account actions, coupon usage, or trading activity.
Questrade
Self-Directed
- ·Official terms list up to $500 for new customers who open and fund a first self-directed account (with at least $1) during the June 23 - July 23, 2026 offer period, then complete qualifying actions by September 9, 2026 (bonus paid by September 16, 2026).
- ·Tiered actions include making at least two successful $100+ pre-authorized deposit (PAD) executions, opening and funding a Custom Indexing account with $500+ and buying into at least one Custom Index, opening and funding an RRSP with $1,000+, and/or transferring in $25,000 or more from another institution.
- ·Shown as informational because the bonus depends on qualifying actions beyond transfer size.
Moomoo Canada
Self-Directed
- ·Official support terms list deposit rewards up to $300 in stock cash coupons and a 6% cash sweep introductory offer for 30 days on eligible new-client deposits.
- ·Coupon value depends on trade thresholds, product restrictions, account funding, and coupon usage before expiry.
- ·Shown as informational because the reward is coupon-based rather than unrestricted transfer cash.
Moomoo Canada
Transfer Promotion
- ·Official Moomoo support terms describe transfer-in coupon rewards, but the available terms are coupon-based and can depend on account value maintenance and coupon usage.
- ·Shown conservatively as informational until unrestricted cash-equivalent transfer terms are clear.
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.