Accounts & headline costs
Sections ↑Disnat is Desjardins Securities Inc.’s self-directed brokerage service. The investor selects both an account structure and a platform: cash, margin or a registered plan determines account rights, while Classic and Direct determine the trading interface. Related Desjardins advice services use separate mandates.[8][2][5]
Account and service routes at a glance
| Account / service | Customer and legal scope | Principal condition |
|---|---|---|
| Cash | Non-registered cash trading | No borrowing; CAD/USD settlement choices matter.Source 2 |
| Margin | Approved non-registered account | Maintenance margin and forced-liquidation rights apply.Source 2 |
| Registered accounts | TFSA, RRSP/RRIF, FHSA, RESP and locked-in plans | Statutory contribution and withdrawal restrictions apply.Source 2 |
| Disnat Direct | Advanced active-trading platform entitlement | Data and activity conditions are separate from account ownership.Source 4Source 1 |
Trading charges
Products & investment scope
Sections ↑Classic and Direct both offer equities, ETFs, options, bonds, mutual funds and new issues. Options strategies require the relevant account approval; an ordinary cash account does not grant margin or uncovered-option permissions.[5][2]
Products and ownership boundaries
| Product route | Published scope | Boundary |
|---|---|---|
| Listed securities | Canadian and US stocks, ETFs and options | Approval and market availability apply.Source 5Source 2 |
| Fixed income and funds | Bonds, GICs and investment funds | Quotes and embedded product costs differ from exchange commissions.Source 5Source 2 |
| New issues | Selected IPO and new-issue access | Allocation is not guaranteed.Source 5Source 2 |
Fees & holding costs
Sections ↑The exchange price and the broker’s commission are separate components of an investment’s cost. Borrowing creates interest expense, and holding a fund can carry product-level costs even when its purchase commission is zero.[1][2]
Account fees and waivers
| Item | Tariff / condition |
|---|---|
| Inactivity | 30/quarter; waived for 6 trades/12 months, portfolio ≥15,000, age 18–30, or a registered plan other than TFSA/FHSASource 1 |
| RRSP/LIRA | 100/year; waiver at 15,000; linked-RRSP exception applies to LIRASource 1 |
| RRIF/LIF | 100/year; waiver at 25,000Source 1 |
| RESP | 50/year; waiver at subscriber assets of 15,000Source 1 |
| Currency conversion | 0.15%–1.90% margin, amount-dependentSource 1 |
Direct market-data packages
Platforms, orders & execution
Sections ↑Platform and order controls
| Route / control | Capability | Limit |
|---|---|---|
| Classic | Web/mobile trading, watchlists and alerts | Default real-time quotes require manual refreshSource 3Source 5 |
| Direct | Market-Q streaming, charts and watchlists | Market-data subscriptions have their own feesSource 4 |
| Limit order expiry | Good-through date up to 60 days | May remain unfilled at the selected priceSource 12 |
| Whole shares | Order quantities entered as whole numbers | Odd-lot treatment varies by venueSource 12 |
| US extended hours | Day limit orders on NYSE/Nasdaq | Stop and virtual-stop orders excludedSource 12 |
Orders can fill in parts. Disnat’s stock-order guide warns that some TSX Venture odd-lot or mixed-lot market orders may receive only a partial fill or none. A limit instruction controls the acceptable price but cannot create liquidity.[12]
Funding, withdrawals & transfers
Sections ↑Cash funding and withdrawal routes
| Route | Published handling |
|---|---|
| AccèsD to Disnat | Approximately 10 minutes for funds to appearSource 6 |
| External bank bill payment | Use the seven-character brokerage account reference; approximately 48 hoursSource 6 |
| Internal Disnat transfer | Typically 24 hours, depending on requestSource 6 |
| Cash/margin/TFSA withdrawal | Trading → Fund Transfers → Withdrawal → Direct Deposit, to the bank account on fileSource 6 |
Moving an existing portfolio
| Route | Documents / timing |
|---|---|
| Non-registered transfer | D208 plus recent statementSource 6 |
| Registered transfer | VD212 plus recent statementSource 6 |
| ATON broker | Approximately 5–10 business daysSource 6 |
| Bank | Approximately 10–15 business daysSource 6 |
| Other institutions | Approximately 30–60 business daysSource 6 |
Transfer-out charges
Transfer paperwork preserves the distinction between moving a registered account and withdrawing from it. Before requesting a cash transfer, establish whether any holdings must first be sold and which charges the receiving and delivering firms apply.[6][1]
Custody, regulation & client protection
Sections ↑Protection chain
| Layer | Published position | What it does not mean |
|---|---|---|
| Dealer | Desjardins Securities Inc. | Securities account agreement controls.Source 8 |
| Regulator | CIRO member dealer | Registration does not remove investment risk.Source 9 |
| CIPF | Eligible property at member insolvency | Not a guarantee of value or liquidity.Source 10Source 13 |
| Banking relationship | Desjardins deposit products are legally distinct | Deposit insurance cannot be transferred to ordinary securities merely by brand.Source 10 |
CIPF addresses eligible property missing after a member’s insolvency. It does not reimburse a falling market price, an issuer default or poor investment advice. Coverage is aggregated by account category at the member firm, rather than multiplied by every account number.[10]
CIPF limits generally applicable to individuals
| Combined account category | Limit at the member |
|---|---|
| General accounts, including cash, margin, TFSA and FHSA | C$1 millionSource 10 |
| Registered retirement accounts, including RRSP, RRIF and LIF | C$1 millionSource 10 |
| RESPs where the individual is subscriber | C$1 millionSource 10 |
Support, complaints & security
Sections ↑Contact and account records
| Route | Published detail |
|---|---|
| Telephone | 1-866-873-7103; Monday–Friday, 08:00–17:00 EasternSource 7 |
| Secure message | Use Contact Us inside the authenticated accountSource 7 |
| Documents | Trade confirmations and statements are available in Documents; inactive accounts receive quarterly statementsSource 6 |
| Password compromise | Notify Desjardins Securities promptly if another person may know or have used the passwordSource 8 |
Disnat lists telephone-assisted dealing as an alternative when an investor cannot access the online platform. Assisted orders follow their own tariff. Keep the order reference and confirm the status before resubmitting through another channel.[3][1]
Special services & tools
Sections ↑Research and analysis tools
The availability of research does not change Disnat’s self-directed service into an advisory mandate. The investor makes the trading decision; the wider group’s wealth-management relationships are separate.[8]
Company, entity & operating context
Sections ↑Desjardins Online Brokerage at a glance
| Measure | Value | Context |
|---|---|---|
| Contracting entity | Desjardins Securities Inc. | Source 8 |
| Primary jurisdiction | Canada | Source 9 |
| Headquarters | Montréal, Québec, Canada | Source 9 |
| Founded / lineage | 1982 founding; Canadian discounted trading launched 4 April 1983 | Source 11 |
| Platforms | Disnat Classic; Disnat Direct; Disnat mobile | Source 5 |
Company and service boundaries
| Issue | Published position |
|---|---|
| Owner | Desjardins Securities is indirectly wholly owned by the Fédération des caisses Desjardins du QuébecSource 8 |
| Service distinction | Disnat is execution-only; related wealth/advice services use different mandates.Source 8 |
| Language/region | Québec roots with Canadian availability subject to eligibility.Source 11Source 6 |
- Headquarters
- Montréal, Québec, Canada
- Founded
- 1982; Canadian discount brokerage service began 4 April 1983
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Desjardins Securities Inc.
No separate licence entry is recorded in this panel.
Sources & further reading
- Commissions and fees Desjardins Online Brokerage · Accessed 29 Oct 2026
- Account types Desjardins Online Brokerage · Accessed 29 Oct 2026
- Disnat Classic Desjardins Online Brokerage · Accessed 29 Oct 2026
- Disnat Direct Desjardins Online Brokerage · Accessed 29 Oct 2026
- Platforms and investment products Desjardins Online Brokerage · Accessed 29 Oct 2026
- Accounts, funding and transfer FAQs Desjardins Online Brokerage · Accessed 29 Oct 2026
- Contact us Desjardins Online Brokerage · Accessed 29 Oct 2026
- Desjardins Securities legal identity and service terms Desjardins Online Brokerage · Accessed 29 Oct 2026
- CIRO dealer directory: Desjardins Securities Inc. Canadian Investment Regulatory Organization · Accessed 29 Oct 2026
- CIPF coverage Canadian Investor Protection Fund · Accessed 29 Oct 2026
- Disnat history Desjardins Online Brokerage · Accessed 29 Oct 2026
- Stock orders Desjardins Online Brokerage · Accessed 29 Oct 2026
- CIPF member entry: Desjardins Securities Inc. Canadian Investor Protection Fund · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.