Buy Bitcoin with TD Canada Trust

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & FINTRAC registers · How we verify · Report an error

Allows transfers to crypto exchanges.

Crypto Compatibility Score: 79/100 (Good)

Score Breakdown:

  • Payment methods: 33/35 pts — fast deposit rails available
  • Bank transfer reliability: 17/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: interac-etransfer, eft-canada, wire

Last verified:

Quick Verdict

No in-app crypto at TD Canada. Interac e-Transfer to a regulated Canadian exchange works, but start with smaller amounts, unusual patterns get flagged quickly.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, but with restrictions

  • [›]

    Best funding method

    Interac e-Transfer

  • [!]

    Potential issue

    Unusual patterns may trigger extra monitoring

Top Exchanges for TD Canada Trust

Step-by-step guide to buying Bitcoin with TD Canada Trust

Most TD Canada users fund a regulated exchange using Interac e-Transfer under FINTRAC rules. Start with step one below.

  1. Pick a FINTRAC-registered exchange
    Use a FINTRAC-registered MSB to reduce holds and failed e-Transfers.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify your identity before depositing.
  4. Get the Interac recipient details
    Select Interac e-Transfer deposit and note the recipient email and any reference or message requirements.
  5. Send Interac e-Transfer in the TD app
    Open the TD app, go to Transfer then Send Money, choose Interac e-Transfer, add the recipient email, and send; start with a small amount if it is your first crypto deposit.
  6. Wait for funds to arrive
    Autodeposit is often minutes, but TD can delay first transfers if the pattern looks unusual.
  7. Purchase Bitcoin
    Buy BTC after the deposit is credited.
  8. Secure your Bitcoin
    Move BTC to a wallet if holding long term.

[!] Troubleshooting

  • If TD flags "unusual activity," stop and send a small test transfer first, then scale after it clears.
  • If Autodeposit fails, confirm recipient email and resend, as name mismatches can cause delays.
  • If you get repeated declines, call support to remove any fraud lock rather than retrying.

Frequently Asked Questions

Can I buy crypto with TD Canada Trust?

Yes, but TD customers can see more first-transfer friction than some other banks. Interac e-Transfer is the quickest path for funding many Canadian platforms, and EFT can work as a backup for larger deposits when the platform supports bank linking. TD does not offer spot Bitcoin inside EasyWeb, but TD Direct Investing can provide crypto exposure through listed ETFs.

How do I confirm my TD e-Transfer sending limit before I try a large deposit?

TD limits depend on your profile, so check your current e-Transfer limit inside the TD app before sending. If you are near the cap, avoid repeated attempts, as rapid retries can trigger extra verification. If you need to move more in one go, use EFT linking when the platform supports it.

Is TD Autodeposit better for exchange funding than security questions?

Usually, yes. Autodeposit reduces failures caused by typing the security answer differently than the recipient expects. If a security question is required, keep the answer simple and consistent, because mismatches are a common cause of delayed acceptance.

TD timing question: why did my Interac deposit show as pending?

Interac is near real-time, but bank risk checks can pause a first payment to a new recipient. That delay can look like a platform issue when it is actually bank-side verification. If it keeps happening, send a smaller test e-Transfer during business hours and then retry your normal amount.

What's the most common TD limit that blocks crypto buys?

The usual blocker is hitting your personal e-Transfer allowance (daily and rolling windows). If you need to fund more, move to EFT where available, or spread deposits across multiple days instead of forcing repeated e-Transfers.

Does TD block crypto platform deposits?

TD does not publish a universal ban on funding regulated platforms, but it can challenge high-risk patterns or unusual first transfers. Keeping recipient details identical across transfers and using FINTRAC-registered Canadian platforms tends to reduce issues. If a transfer is reversed, avoid re-sending the same large amount repeatedly.

Evidence & Verification

This page references 4 sources: FINTRAC MSB Registry, Interac e-Transfer Guide, EQ Bank EFT vs e-Transfer Guide. Information was compiled from official sources and user reports.

Sources:

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Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.