Skip to main content
Personal Selected（https://www.td.com/ca/en/personal-banking）
Small Business（https://www.td.com/ca/en/business-banking/small-business）
Commercial（https://www.td.com/ca/en/commercial-banking）
Investing（https://www.td.com/ca/en/investing）
TD Asset Management（https://www.td.com/ca/en/asset-management）
About TD（https://www.td.com/ca/en/about-td）
Open
Login
My Accounts
Logout（https://www.td.com/bin/easyweb/transfer?RequestedPage=OUT）
TD: Personal
Personal Selected（https://www.td.com/ca/en/personal-banking）
Small Business（https://www.td.com/ca/en/business-banking/small-business）
Commercial（https://www.td.com/ca/en/commercial-banking）
Investing（https://www.td.com/ca/en/investing）
TD Asset Management（https://www.td.com/ca/en/asset-management）
About TD（https://www.td.com/ca/en/about-td）
Login
My Accounts
Logout（https://www.td.com/bin/easyweb/transfer?RequestedPage=OUT）
TD Access Card with Visa* Debit
The TD Access Card is a debit card that gives you easy access to your TD bank account so you can: pay bills, make in-app purchases, shop online and shop internationally in-store 1 .
View Chequing Accounts（https://www.td.com/ca/en/personal-banking/products/bank-accounts/chequing-accounts）
Ways to Pay with your TD Access Card
Shop in person with Interac
Shop & pay bills with Visa Debit
Shop internationally with Visa Debit
Shop in person with Interac
Your TD Access Card has Interac Flash® so you can tap to pay up to $250 at participating retailers 4 .
Use your TD Access Card to:
Tap for purchases like coffee, groceries or gas, up to $250 4
Tap to pay at participating transit agencies in Canada
Tap and pay with mobile wallets like Apple Pay, Google Pay, and Samsung Pay
Interac Flash® Spend Limits:
For your protection, a PIN is needed for purchases over $250 or multiple consecutive Interac Flash® purchases totaling $500.
Shop online and pay bills with Visa Debit
The Visa Debit feature of your TD Access Card lets you shop securely online at thousands of Canadian and international websites, using money directly from your TD Canada Trust bank account.
Use your Visa Debit to:
Pay and subscribe to streaming services
Order food online or through apps
Pay recurring bills like internet, phone, or utilities
Shop in-store worldwide with Visa Debit
Visa Debit on your TD Access Card is accepted in over 200 countries outside Canada. It also lets you withdraw cash at more than 2.2 million ATMs worldwide where Visa is accepted 1 .
Use Visa Debit to:
Select "Debit" when prompted between "Debit" or "Credit"
Enter your PIN or sign a receipt at some retailers
Withdraw cash at ATMs 5 displaying the Visa acceptance mark
How to pay with Visa Debit
Enjoy the simplicity of Visa Debit for online, international and in-app purchases, along with recurring payments and subscriptions. Visa Debit makes it easy to pay wherever Visa is accepted.
Select your card
Select 'Visa Debit' or 'Visa' as the payment option at checkout, where Visa is accepted 1
Enter your details
Enter your TD Access Card number, expiry date and 3 digit CVV code found at the back of your card
Save your details
Store your card with your favourite retailers or mobile apps for faster checkout
Manage your TD Access Card
Secure your card with lock & unlock features（https://www.td.com/ca/en/personal-banking/day-to-day-banking/manage-your-debit-card）
Instantly lock your TD Access Card while maintaining pre-authorized payments, bill payments and transfers.
View and change transaction limits（https://www.td.com/ca/en/personal-banking/day-to-day-banking/manage-your-debit-card）
Manage spend limits easily in the TD mobile app. Effectively manage your budget by adjusting your spend limits for ATM withdrawals, point-of-sale purchases and online/telephone banking.
Fraud protection at your fingertips
TD Fraud Alerts（https://www.td.com/ca/en/personal-banking/fraud-alerts）
We will instantly 2 send you text messages notifying you if we detect suspicious activity made with your TD Access Card for your personal banking accounts.
Visa Zero Liability Policy 3 and Interac Zero Liability Policy
You won't be held responsible for unauthorized charges made with your card so you can shop with confidence. 3
Dispute a transaction（https://www.td.com/ca/en/personal-banking/transaction-dispute-debit-card-charges）
Don’t recognize a transaction on your TD Access Card and need to dispute it? We can help guide you through the dispute process.
In-app Authentication（https://www.td.com/ca/en/personal-banking/advice/day-to-day-banking/in-app-authentication）
As another layer of protection when online shopping, use the TD app to review and verify your recent online transactions. When prompted while checking out online, log in to the TD app using your biometrics ID or login credentials to quickly review and verify your recent online transactions.
Frequently Asked Questions
What Are the Foreign Exchange Fees When Using My TD Access Card Outside Canada?
When you make foreign currency purchases with your TD Access Card, different fees apply depending on your card type:
If your TD Access Card has a Visa Debit logo:
A foreign exchange fee of 3.5% is charged on the Canadian dollar amount after converting from the foreign currency.
The conversion rate is set by Visa International.
If your TD Access Card does not have a Visa Debit logo (uses NYCE):
A foreign exchange fee of 3.5% is added to the exchange rate set by Interac ®.
How secure is the TD Access Card?
TD Access Cards are designed with security in mind.
Each card has an embedded microchip that stores information in a secure, encrypted format
This helps prevent unauthorized users from copying or accessing your information when using chip-enabled terminals or ATMs
How do I change my PIN for my TD Access Card?
It’s easy to reset your Personal Identification Number (PIN). You can do this at a TD ATM or by visiting your branch.
At any TD Bank Green Machine ATM:
Insert your card and select Change PIN from the Welcome screen
If you have a customized Welcome screen, select More Transactions to find the Change PIN option
If you’ve forgotten your PIN, you’ll need to visit your branch
At any TD Canada Trust branch:
Visit your local branch
A Customer Service representative will assist you with changing your PIN
What Should I Do If My TD Access Card Is Lost or Stolen?
Take quick action to protect your account and get a replacement card:
To lock your card:
Follow the steps here（https://www.td.com/ca/en/personal-banking/day-to-day-banking/manage-your-debit-card）
To replace your card:
Call 1-866-222-3456
Or visit your nearest TD Canada Trust branch
Stay on top of your account activity:
Regularly check your TD Canada Trust bank account to ensure all transactions are yours
Review your activity online using EasyWeb or through mailed statements
Note: Use of your TD Access Card is governed by the Financial Services Terms（https://www.td.com/content/dam/tdct/document/pdf/personal-banking/tdct-accounts-fst-en.pdf） and Access Agreement（https://www.td.com/content/dam/tdct/document/pdf/aa-eng.pdf）
How to Check Your TD Access Card Transaction Limits
Easily view your TD Access Card transaction limits — including your Interac e-Transfer® sending limits — using the TD app.
Follow these steps in the TD app:
Log in to the TD app
Tap the main menu (top left corner) and select Banking Services
Select Transaction Limits
You can also find this information under the Summary tab on your Chequing account page in the app.
What are the transaction and foreign exchange fees at non-TD ATMs outside of Canada?
Transaction Fee
$3 per withdrawal in the United States or Mexico
$5 per withdrawal in any other country outside of Canada, the U.S., or Mexico
No service fees at TD Bank, AMCB ATMs
No service fees if you have a TD All-Inclusive Banking Plan or a TD Wealth Private Banking Account
Foreign Exchange Fee
The total transaction amount, including any ATM provider fees, is converted to Canadian dollars based on the Visa International* exchange rate in effect on the date the transaction is posted to your account
A fee equal to 3.5% of the total converted transaction amount is charged
How to manage your PIN for your TD Access Card?
It's recommended to create a PIN of your choice that is at least four digits long.
Change your PIN at any time:
Visit any TD branch to change your PIN after verifying your identity
If you forget your PIN, visit a branch to receive a new one
You can also change your PIN at any TD ATM
Always protect your PIN:
Never share your PIN with anyone
Keep your PIN and Credentials separate from your Card
Choose a PIN that’s not easy to guess (avoid your birthday, phone number, or address)
When entering your PIN, shield the keypad to keep it private
Using your TD Access Card internationally:
Use a 4-digit PIN to access ATMs outside Canada using the Visa PLUS network
Make sure the TD Canada Trust accounts you want to access are linked to your Chequing account
Find a PLUS ATM at your next destination
What are the Visa and Interac ® security features for the TD Access Card?
Your TD Access Card comes with built-in security features to help protect you when shopping online or in person.
Visa Secure*
A free service from Visa, Visa Canada, TD, and participating retailers that adds an extra layer of protection when you shop online
Works automatically—no sign-up or password required
Helps verify your identity and protect against fraudulent transactions, operating in the background for added convenience
Visa Zero Liability*
Applies to all online and international transactions made with your TD Access Card
You won’t be held responsible for unauthorized transactions if you've met your obligations outlined in the Access Agreement（https://www.td.com/content/dam/tdct/document/pdf/aa-eng.pdf）
You're automatically protected—no additional sign-up needed
Interac ® Zero Liability
Applies to unauthorized Interac Flash® transactions
You are not liable for unauthorized transactions if you’ve met your obligations under the Access Agreement（https://www.td.com/content/dam/tdct/document/pdf/aa-eng.pdf）
Interac Flash® Spend Limits
For your protection, a PIN is required for:
Single purchases over $250
Multiple consecutive Interac Flash® purchases that exceed $500 4
For more tips and tools, visit the TD Stories Fraud Prevention Hub.（https://stories.td.com/ca/en/featuredevents/fraud-prevention-advice）
Will My Account Stay Safe if My TD Access Card Is Lost or Stolen?
TD Access Cards are designed with advanced security features to help protect your account — even if your card is lost or stolen.
Here's how your card helps keep your account secure:
Visa® Zero Liability – You're not liable for unauthorized transactions made online or internationally, as long as your obligations are met under the Access Agreement（https://www.td.com/content/dam/tdct/document/pdf/aa-eng.pdf）
Interac ® Zero Liability – You're not responsible for unauthorized Interac Flash® transactions if your card is compromised and obligations are met
TD Fraud Alerts（https://www.td.com/ca/en/personal-banking/fraud-alerts） – Stay informed and protected with real-time alerts.
If Interac Flash® is enabled:
Your card may be used for a single tap transaction up to $250, or up to $500 in consecutive transactions without a PIN
Extra protection with the TD app:
Lock Card – Use this feature to temporarily disable certain transactions if you've misplaced your card
To use:
Open the TD app
Go to Manage Access Cards from the slide-out menu
Select Lock Card to lock the card of your choice
Additional Resources
Make the most of mobile banking with the TD app（https://www.td.com/ca/en/personal-banking/articles/mobile-banking）
To keep you up to date with all of the ways you can bank wherever and whenever with TD, here are some things you may have not realized you can do with the TD app.
How to help prevent fraud: online shopping scams（https://www.td.com/ca/en/personal-banking/advice/day-to-day-banking/prevent-online-shopping-scam）