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TD Access Card Review

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TD Access Card
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Our verdict

The TD Access Card is an option for many Canadians because it’s a widely accepted, flexible debit card.

The TD Access Card is a widely accepted and flexible debit card. The main drawback is that you may incur fees when using other TD services. If you're interested in a debit card that comes with fewer fees, continue researching products with other banks.


  • Interac e-Transfer services. Send, receive and request money anywhere in Canada using Interac e-Transfer services.
  • Integration with Apple Pay. Complete your purchases using your TD bank account through Apple Pay.
  • Access to TD MySpend. Get real-time notifications about your spending to stay on top of your finances.


  • Hidden ATM fees. When using a non-TD ATM or an ATM outside of Canada, additional fees may apply. You'll have to pay a foreign transaction fee of 3.5% whenever you spend money overseas.
  • Interac e-Transfer fees. Depending on the account you have, fees may apply when using Interac e-Transfer services.
  • Other service fees. To use other TD bank services, you may incur fees depending on what account you're using.

In this guide

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30-second take

  • Widely accepted debit card that comes with flexible limits and bank account options.
  • Hidden fees apply when using TD services that aren't included with your bank account.
  • There is no minimum income requirement for this debit card.

The basics

Individuals who bank with TD can use the Access Card with any chequing or savings account. Below are the basic features of the TD debit card.

  • Visa Debit. The debit card uses TD Visa Debit technology. This means you can use your debit card like a credit card without racking up debt.
  • Able to use ATMs. Perform banking at virtually any ATM using your debit card.
  • Security. Chip technology, PINs, TD fraud alert, Verified by Visa and Visa’s zero-liability policy are included with TD debit cards, making your earning and spending experience safer.
  • Online and mobile banking. Utilize TD’s online and mobile platforms to complete most of your banking from the comfort of your home.

What should I know before I apply?

Eligibility requirements

  • Be the age of majority in your province or territory (except for youth accounts)
  • Be a Canadian resident

Required documents and information

  • Personal information, including your full name, address and contact information

How to apply

Before you can use the TD Access Card, you must select a TD chequing or savings account. After choosing the product you want, you can complete an application online by following these steps:

  1. Go to TD’s personal banking website
  2. Under Products, select Bank Accounts
  3. Select Chequing, Savings or any of the other options
  4. Find the account you want to apply for then click Open account
  5. Complete the application

Frequently asked questions

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