TD Direct Investing vs Trading.com : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

TD Direct Investing

Trading.com

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

None

Years of Existence / Established Year

1984

2019

Customer Base / Number of Accounts

17 M

Info not available

Regulation & Security

Regulations (governing bodies)

CIPF, CIRO

NFA CFTC FCA

Awards Won (count for the last 2 years)

No major awards listed

Fastest growing FX broker (USA) by World Finance Forex Awards 2024

Security Measures

CIPF

Info not available

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

Fixed income investments, GICs

Forex 50+ CFDs of Stocks 1000+

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Yes

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

Yes

cTrader

Social Trading

Copy Trading

Other Trading Platforms (proprietary, etc.)

TD app, web trader, Advanced dashboard, TD active trader

Web Trader App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Margin account, cash trading account, TFSA, RSP, RESP, RIF, LIRA, LIF, RDSP

The T1 account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

$50

Leverage Available

1:50

Trade Limit (maximum per trade)

Depends on asset types

Trade size vary on each asset

Commission (per account type)

Only spreads

Best Suited For (e.g., beginners, experienced traders)

Beginners and experienced traders

Beginners & experienced

Deposit & Withdrawal Options

Deposit Methods

Direct bank account, Check

Bank transfer ACH

Withdrawal Methods

SWIP, Wire payment

ACH Bank wire transfer

Other E-Wallets Supported

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Learning Centre - Investing Education, Market Insights and Analysis, Webinars, Investing Guides, Video Tutorials, TD Direct Investing Community Forum

Video tutorials Glossary Forex calculators Research portals

Fees & Commissions

Trading-Related Fees

Commission -mutual funds- $0 , IPOs, Equities- $7.00- $9.99, Stock - $3- $43, Bonds- $40 + $1.50/1,000

Commission- $0

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Options Contract Fees

$9.99 + $1.25 per contract

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

1:50

Non-Trading Fees

Dormant Fees

Subscription Fees (for premium features, data feeds)

Advisory Fees

Swap Fees (Overnight Financing)

Statement or Document Fee

$2-$5

Account Opening Fee

Applicable, Depends on account types

Account Maintenance Fee

$25 per quarter

Deposit Fee

$17.50 U.S

$13 for bank wire deposit under $250

Currency Conversion Fee

2.50%

Withdrawal Fee

$30-$100

$13 for bank wire deposit under $250 ACH withdrawals free

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

Pre-market trading hours (8 a.m. to 9:30 a.m. ET) and after-hours trading (4 p.m. to 8 p.m. ET)

Sunday 17:05 - Friday 16:50 ETTokyo session begins at 19:00 ET London session begins at 03:00 ET New York session begins at 08:00 ET

Customer Support

Support Hours (e.g., 24/7, weekdays only)

Monday to Friday, 7 am to 10 pm ET

24/5 support service

Customer Support Methods (phone, email, live chat)

Phone: 1-800-465-5463, , Book an appointment

Live chat Email: [email protected] Tel: 1-833-FX1-0250

Support Languages

Additional Information

Headquarters Location

66 Wellington Street West, Toronto, ON M5K 1A2

85, Broad street, New York, NY 10004, USA

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

While TD Direct Investing maintains low trading fees with no minimum deposit, Trading.com includes some charges for premium features and certain asset trades, making TD Direct Investing the better option for budget-focused traders.

Account approval at TD Direct Investing is usually completed within hours, often with automated ID checks. Trading.com might take longer due to manual reviews, but provides in-depth onboarding support along the way.

The trading interface of TD Direct Investing is known for its speed and ease-of-use, while Trading.com shines with its customizable layouts and advanced charting capabilities, making it a strong choice for serious analysts.

TD Direct Investing is geared toward frequent trading and analytics, while Trading.com fits those who value simplicity and guided experiences.

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