Short term. Long term. Retirement. Education. No matter what your goals are, Questrade has the accounts to help you get there, confidently.
Most Popular
Most popular
Plan for the near future or the far future with our most popularaccounts.
TFSA
Tax-Free Savings Account
- Save for short- or long-term goals
- Enjoy tax-free growth
- Get easy access to your money
- Pay no annual fees
Keep every dollar you earn in your TFSA. Invest your money withoutpaying taxes on your interest, dividends or capital gains.Learn more about TFSA accounts
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RRSP
REGISTERED RETIREMENT SAVINGS PLAN
- Save for retirement goals
- Enjoy tax deductions on yearly contributions
- Set up regular contributions
- Pay no annual fees
Enjoy lower income taxes with RRSP contributions. Grow your investmentstax-deferred until withdrawal.Learn more about RRSP accounts
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Margin
Individual Margin Accounts
- Invest with flexibility and convenience
- Get extra buying power
- React quickly to market opportunities
- Place advanced order types
Steer your investments exactly how you like. Use your assets andinvestments as leverage for new and bigger opportunities.Learn moreabout Margin accounts
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FHSA
New
Tax-Free First Home Savings Account
- Get your account open with just $250
- Grow your savings tax-free
- Enjoy tax deductions on yearly contributions
- Tax-free withdrawals for your first home purchase
Use the account to hold onto cash, or invest in stocks, options, ETFsand more to save for a down payment on your first home.Learn more about FHSAs
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RESP
Registered Education Savings Plan
- Enjoy free government grants
- Extra incentives for lower income earners
- Flexible beneficiary rules
- Withdraw at beneficiaries tax bracket
Set your child (or beneficiary) up for success. Build a Questrade RESPaccount and start a growing investment.Learn more about RESP accounts
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Retirement
Registered Retirement Savings
Plan for the future and enjoy tax advantages from the government.
RRSP
Registered Retirement Savings Plan
- Enjoy tax deductions on yearly contributions
- Set up regular contributions
- Tax-deferred growth till retirement
- RRSP savings for first time homebuyers
Enjoy lower income taxes with RRSP contributions. Grow your investments tax-deferred until withdrawal. Learn more about RRSP accounts
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Spousal RRSP
Spousal Registered Retirement Savings Plan
- Enjoy all the benefits of an RRSP
- Allow your spouse to contribute into your RRSP
- Split income more equally in retirement
- Continue enjoying tax deductions when one spouse is under 71
Lower your combined income taxes with two equally-sized RRSPs. Learn more about Spousal RRSP accounts
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Locked-in retirement
Take control of your retirement investment by converting your employer-sponsored pension.
LIRA
Locked-In Retirement Account
- Keep your provincial pension growing
- Personally manage your pension
- Convert your LIRA to LIF to invest after retirement
- Enjoy tax deferred income
Convert your provincially-registered employer pension plan to a LIRA and take control of your investment. Learn more about LIRA accounts
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Locked-In RRSP
Locked-In Registered Retirement Savings Plan
- Keep your federal pension growing
- Personally manage your pension
- Convert your locked-in RRSP to LIF to invest after retirement
- Enjoy tax deferred income
Convert your federally-registered employer pension plan to a locked-in RRSP and take control of your investment.
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Income funds
When it’s time to retire, roll your Registered Retirement Account into these retirement-friendly accounts, and keep your money working hard.
RIF
Registered Retirement Income Fund
- Grow your savings in retirement
- Rollover your RRSP or Spousal RRSP
- Set withdrawals for steady income
- Cash out at any time
Continue growing your retirement savings plan even if you’re retired. Build your portfolio and set up income payments on your own schedule.
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LIF
Life Income Fund
- Grow your savings in retirement
- Rollover your federal or provincial pension
- Set withdrawals for steady income
- Maximize your tax deferral
Continue growing your pension even if you’re retired. Relocate your employer-created or group pension.
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Educational
Registered Education Savings Plans
Proactively plan for your child (or children’s) post-secondary education and enjoy government incentives and grants.
RESP
Registered Education Savings Plan
- Enjoy free government grants
- Extra incentives for lower income earners
- Flexible beneficiary rules
- Withdraw at beneficiaries tax bracket
Set your child (or beneficiary) up for success. Build a Questrade RESP account and start a growing investment. Learn more about RESP accounts
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Family RESP
Family Registered Education Savings Plan
- Enjoy free government grants
- Pool contributions for more growth
- Add beneficiaries when your family grows
- Flexibility in withdrawals per beneficiary
Plan for more than one child’s (or beneficiary’s) post-secondary education in one account.
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Entity
Entity
Invest on behalf of your business or someone else. The funds and assets in the account are taxed according to the corporate tax rates. All entity accounts are available for equities and Forex & CFDs.
Corporate
- Enjoy corporate tax rates
- Trade all types of investments
- Free up cash flow
- Grow your excess capital for less
Open an account in your business’s name and the funds and assets in the account are taxed according to the corporate tax rates.
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Investment Club
- Experience the markets together
- Learn to trade with others’ help
- Take on more investment opportunities
- Include up to 10 people
Pool your resources with three or more people and take advantage of the added buying power.
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Partnership
- Pool investments for a bigger stake in the markets
- Evenly split funds and equity
- Grow your excess capital for less
- Potential to mitigate risk or losses
Open an account for your partnership business to boost your potential.
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Sole Proprietorship
- Get 100% control over business investments
- Own all profits from your account
- Potential to offset financial risks
- Quickly take advantage of investment opportunities
Invest on behalf of your business and all profits in your account belong to you.
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Trust
Open an account on behalf of someone else.
Individual Informal Trust
- No trust agreement required
- Trade on behalf of a minor
- No restrictions on the types of investments
- No legal set-up costs
Invest in an account for the benefit of your child, with no formal documentation.
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Joint Informal Trust
- No trust agreement required
- Add multiple traders to one account
- Pool funds for added investing power
- No legal set-up costs
Open an account with two or more investors for the benefit of your child, with no formal documentation.
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Formal Trust
- Actively manage an investment portfolio
- Legally binding account
- Anyone can be named a beneficiary
- Can have more than one beneficiary
Open a formal trust account to hold equity in trust for the beneficiary of your choice.
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Margin
Margin Accounts
Invest in North American markets for stocks, options, ETFs and more, and increase your buying power by leveraging the assets you already own.
Individual Margin
- Invest with flexibility and convenience
- Get extra buying power
- React quickly to market opportunities
- Place advanced order types
Steer your investments exactly how you like. Use your assets and investments as leverage for new and bigger opportunities.
Get Started
Joint Margin
- Enjoy all the benefits of an individual account
- Pool investments for a bigger stake in the markets
- Take on more investment opportunities
- Streamline contributions to your account
Open a margin account with a friend, spouse or trusted partner to increase your buying power by leveraging the assets you already own.
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Forex & CFDs
Forex & CFDs
Enter the global markets and speculate on the price movement of currencies, commodities,global stocks and indices.
Individual Forex& CFDs
Individual Foreign Exchange and Contracts forDifference
- Invest for the potential high rewards
- Access the global markets
- Trade 24 hours a day
- Trade with low spreads
Access a market that’s much larger in scope than the Canadian stock market. Enjoy highliquidity and low transaction fees.
Get Started
Joint Forex &CFDs
Joint Foreign Exchange and Contracts for Difference
- Enjoy all the benefits of an individual account
- Pool investments for a bigger stake in the markets
- Potential to mitigate risk or losses
- Streamline contributions to your account
Open a Forex & CFDs account in a group of two or three to trade the global markets.
GetStarted
Get set up in minutes. It’s easy and free.
Open your
account online
Sign and submit
documents online
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INSTANTLY1
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No account opening fees
No annual RRSP or TFSA account fees
Low commissions
Free to transfer your account
Build your investment portfolio
When you’ve selected your accounts, choose from a wide range of investment products that will help you best meet your investing goals.
ETFs
Spread your wealth with pooled funds—and always buy them for free.
Find other ways to build your portfolio
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Invest with Canada's largest independent online brokerage2
See why people love Questrade.
Dion P.
"Ease of transferring and setting up accounts. Intuitive webpage and phone app. Low fees, including no charge for purchasing ETFs."
Fred C.
"Very helpful staff,
Laura C.
"The online rep was very helpful in setting up my new RRSP and TFSA. I had been waiting for weeks to hear back from my bank and decided to take my business elsewhere. I am happy I did!"
Layne W.
"Fantastic customer service. Simple transfers and trading system. Makes things easy for a Newbie trader."
Start investing confidently
Ready to open an account and take charge of your financial future? It's easy. Get set up in minutes.
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Get answers to our frequently asked questions
How many accounts can I have?
There is absolutely no limit to the number of accounts you can open at Questrade.
How much do I need to start investing?
For self-directed customers between 18 and 25 years old, or customers of any age opening a self-directed First Home Savings Account, you only need $250. The minimum for all other self-directed customers is $1,000.
What documents do I need to open an account?
To get started, you’ll need your SIN and a government-issued photo ID. Depending on the account, you may be required to provide other documents.
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Buy ETFs for free or buy ETFs commission-free: may include other fees, such as data, exchange and ECN fees. Only applies to Canadian and US listed ETFs.
Starting October 1, 2019, you can transfer any account to Questrade from another financial institution, regardless of the balance, and get your transfer fees rebated (maximum rebate $150/account). No limit to the number of accounts you bring over. For a rebate, submit a statement from your financial institution displaying the transfer fees incurred within 60 days of the transfer request being submitted to Questrade. For Questwealth™ accounts, all-in-kind and partial transfers of your securities will be liquidated. Transfers from cash accounts may be subject to capital gains taxes or provide capital losses upon liquidation. Exchange and ECN fees may apply. Terms and conditions are subject to change without notice.
This communication is intended for informational purposes only and is not, and should not be construed as, investment, tax or legal advice to any individual or analysis on market direction. Any liability, whether direct, indirect or consequential loss or damage is explicitly disclaimed. Use of this service shall not constitute the giving of investment, tax or legal advice by Questrade. Consult with your financial advisor before investing.
1 With Visa Debit instant deposit funding. Deposits to RESP and FX & CFD accounts may take up to 1 business day to reflect the deposit.
2 Source: Investor Economics Report Winter 2023
