Questrade combines Canadian self-directed securities accounts with a separate Questrade Global FX/CFD service and a related managed-portfolio business. Their instruments, currency handling and charging methods differ. A commission-free share trade does not establish the price of a stock CFD, a currency conversion or a financed position.[5][6]
Entity, regulation and the service you are actually buying
Sections ↑At a glance01
Identity and regulatory evidence
| Point | Current evidence | Scope |
|---|---|---|
| Questrade, Inc. | CIRO’s named firm page lists Questrade Inc. as an investment dealer and approved participant. | Canadian Investment Regulatory Organization; the public page supplies no trading-licence number.Source 1 |
| CIPF membership | The Canadian Investor Protection Fund lists Questrade Inc. as a current investment-dealer member. | Membership and the applicable coverage policy are distinct from return guarantees.Source 2 |
| Self-directed service | Order-execution-only brokerage; Questrade does not assess the suitability of each investment for you. | Research tools and order acceptance do not amount to personal investment advice.Source 5 |
| FX/CFD counterparty chain | The disclosure names Saxo Bank A/S as liquidity provider and CFD issuer; Questrade supplies order execution. | Counterparty roles matter when reading the contract and trading risk disclosures.Source 5 |
| Questwealth | Managed service supplied by Questrade Wealth Management Inc.; Questrade, Inc. provides custody and execution services. | The management affiliate is a separate company and is not itself a CIRO/CIPF member.Source 10 |
Accounts, eligibility and minimums
Sections ↑At a glance02
Main account choices
| Account | Purpose and trading scope | Important boundary |
|---|---|---|
| Cash | Non-registered investing using cash; Canadian and US currency balances, shares, ETFs and permitted options. | No statutory contribution ceiling; withdrawals still require available settled funds.Source 7 |
| Margin | Non-registered brokerage with approved borrowing, short selling and advanced options. | The borrowing cost and house-margin requirement depend on the position and currency.Source 8 |
| TFSA / RRSP / FHSA / RESP | Registered account choices; retirement-income and locked-in account types are also listed. | Tax eligibility, contribution room and permitted investments differ by wrapper.Source 37 |
| FX & CFD | Separate account used with Questrade Global for leveraged currencies and CFDs. | Currency/CFD trading has its own fee schedule.Source 6Source 9 |
| Questwealth Portfolios | Managed ETF portfolios instead of choosing each trade yourself. | Separate management fee and fund expenses.Source 10 |
| Custom Indexing | Dedicated TFSA, RRSP, FHSA or Cash account holding a user-defined fractional portfolio. | Cannot be added to an existing ordinary account or mixed with unrelated holdings.Source 11 |
At a glance03
Opening and funding requirements
| Item | Published requirement | Limit |
|---|---|---|
| Self-directed minimum | No minimum account balance under the current commission FAQ. | Individual trades, margin permissions and managed portfolios have separate minimums.Source 6 |
| Identification | Valid government photo ID; joint holders and authorised traders may also require documents. | Address, tax and financial-information checks apply.Source 12 |
| Non-residents | Generally limited to Margin accounts, with specific exceptions such as Canadian expatriate RRSP arrangements. | Country acceptance and attested documentation require individual approval.Source 12 |
| US residents | Generally cannot open new accounts, with limited Canadian retirement-account exceptions. | Canadian branding does not establish universal US access.Source 12 |
| Questrade Global practice | CAD 100,000 virtual cash for 30 days. | Practice fills and live execution can differ; this profile does not claim platform testing.Source 13 |
Direct securities: current commission and the costs around it
Sections ↑At a glance04
Online stocks, ETFs and options
| Product | Current broker charge | Scope/date |
|---|---|---|
| Canadian/US listed stocks and ETFs | Zero online buy/sell commission. | Ordinary self-directed accounts; ancillary charges can remain.Source 14 |
| US equity options | Zero contract fee. | Effective 30 July 2026; a paid Plus subscription is not required.Source 15 |
| US index options | USD 0.99 per contract. | Effective market open 28 September 2026; the earlier volume grid has ended.Source 15 |
| Canadian options | CAD 0.99 per contract. | Each charged leg counts in a mixed multi-leg strategy.Source 15 |
| Exercise / assignment | Exercise: 24.95 in transaction currency; assignment: zero. | Exercise can create a stock position and a funding obligation.Source 16 |
| Other transactions | International equities: 1% per buy/sell, minimum USD 195; mutual funds: 9.95/trade in transaction currency. | These are separate from the Canadian/US listed stock commission offer.Source 16 |
At a glance05
Pass-through fees and less frequent dealing costs
| Item | Published tariff | Cost implication |
|---|---|---|
| US routes / OTC | Specified direct routes incur ECN charges; OTC USD 0.000005/share. | Canadian securities currently have no ECN charge.Source 16 |
| Overnight execution | USD 0.003/share for fills from 20:00–02:00 Eastern time. | Zero commission does not remove this session-specific fee.Source 16 |
| SEC / ADR | US securities sales: 0.0000206 × trade value; ADR depositary fees vary by issue. | Consider fees beyond the order’s commission line.Source 16 |
| Trade desk | 45 in transaction currency in addition to the product’s regular commission. | Manual dealing can alter an otherwise inexpensive transaction.Source 16 |
| Bonds / GICs / new issues | Minimum purchase 5,000 in transaction currency. | Bond remuneration is embedded in price; GIC remuneration in the quoted rate.Source 16 |
FX/CFD pricing: target spreads and overnight obligations
Sections ↑At a glance06
Selected Questrade Global FX target spreads
| Pair | Published target, pips | Interpretation |
|---|---|---|
| EUR/USD | 1.9 | Company target under normal market conditions.Source 17 |
| USD/JPY | 1.9 | Actual execution spread can differ.Source 17 |
| USD/CAD | 2.5 | Account conversion is a different service.Source 17 |
| GBP/USD / AUD/USD | 2.0 / 2.0 | Neither a measured average nor a guaranteed minimum.Source 17 |
| EUR/GBP | 2.1 | Check the live bid/ask before entering.Source 17 |
At a glance07
CFD commissions and holding charges
| Cost | Published rule | Boundary |
|---|---|---|
| Share CFDs | Canada CAD 0.01/share, minimum CAD 9.95; US USD 0.01/share, minimum USD 9.95. | Confirm the ticket’s charging basis; direct-share zero commissions do not apply.Source 17 |
| Rollover | Positions open after 17:00 Eastern time can incur rollover charges. | Product-specific rates apply.Source 17 |
| Expiry / financing | Commodity CFDs expire; non-expiring indices/currencies roll daily. | Expiring CFD carry uses margin requirement; non-expiring finance uses traded value.Source 17 |
| Conflicting tariff entries | The page gives two different natural-gas and US Tech 100 target values. | Obtain the current instrument quote instead of treating either conflicting entry as definitive.Source 17 |
At a glance08
FX contracts and account controls
| Item | Published term | Consequence |
|---|---|---|
| Product range | More than 110 currency pairs are advertised, alongside indices, commodity and international share CFDs. | The FX/CFD schedule describes derivatives, not direct ownership of every referenced asset.Source 17 |
| FX contract sizes | 1, 0.1 and 0.01 contracts correspond to 100,000, 10,000 and 1,000 currency units. | Contracts settle differences; they are not a way to take delivery of the full notional currency amount.Source 18 |
| Approved risk capital | A lifetime cumulative deposit limit is set from the application’s financial and experience information. | An increase requires review; the limit is not a maximum-loss guarantee.Source 18 |
| Stops / take-profit | Market movement and gaps can affect execution. | A stop-loss instruction does not assure its selected price.Source 18 |
| Trailing stop | Only activates after the position earns the defined minimum profit in pips. | It provides no trigger protection before that threshold.Source 18 |
| Hedging | Opposing positions can be opened without closing the original trade. | Additional dealing and carrying costs can remain.Source 18 |
| Deficits | The risk disclosure makes the customer liable for trading deficits. | Do not treat the initial deposit as a guaranteed loss ceiling.Source 19 |
Margin: separate securities borrowing from FX utilisation
Sections ↑At a glance09
Securities borrowing rates at the research date
| Debit balance | CAD annual rate | USD annual rate |
|---|---|---|
| Non-registered, below 100,000 in borrowed currency | Prime 4.45% + 4.25% = 8.70% | Prime 7.00% + 4.50% = 11.50%Source 20 |
| Non-registered, 100,000 and above | 4.45% + 3.25% = 7.70% | 7.00% + 3.50% = 10.50%Source 20 |
| Registered debit | 4.45% + 8.10% = 12.55% | 7.00% + 8.35% = 15.35%Source 20 |
At a glance10
A discount inconsistency to resolve before relying on it
| Offer | Published discrepancy | Practical treatment |
|---|---|---|
| USD Prime minus 2.5% borrowing | The margin product page says 1,001+ US options contracts monthly; the interest schedule says 5,001+. | Confirm qualification and the applied rate in the account’s benefits/interest record.Source 8Source 20 |
At a glance11
Securities margin and calls
| Point | Published mechanism | Limit |
|---|---|---|
| Stock financing | Eligible positions support a house-defined loan value; concentration and security risk can raise requirements. | Buying power is not a permanent credit commitment.Source 21 |
| Illustrative stock requirements | 30% for reduced-margin-eligible securities; 50% and 100% requirements also occur. | The guide illustrates a rise to 80% when a share falls into the 1.50–1.74 price band.Source 21 |
| Currency | An unconverted USD purchase in a Margin account can be financed while CAD cash remains positive. | A positive combined balance does not eliminate currency-specific interest.Source 24 |
| Margin call | Negative combined buying power can require cash, eligible securities or liquidation. | Questrade can close positions before a communicated deadline; notice is best effort.Source 22 |
| Covering a call | PAD funding is not accepted to resolve a margin call. | Moving already-pledged TFSA assets into the Margin account does not create fresh collateral.Source 22 |
| Forced liquidation | A 45 service charge in transaction currency can be added to normal commissions. | Unpaid deficits remain the customer’s responsibility.Source 22 |
At a glance12
Illustrative FX initial margin: account denomination matters
Option permissions and the account balance needed
Sections ↑At a glance13
Four option approval levels
| Level | Published access/minimum | Account restriction |
|---|---|---|
| 1 | Long calls and puts; no equity minimum. | Agreement and approval required.Source 23 |
| 2 | Covered strategies and cash-secured puts; no equity minimum. | Registered accounts are capped at this level.Source 23 |
| 3 | Spreads; minimum CAD 5,000 equity. | Margin accounts only.Source 23 |
| 4 | Naked strategies; minimum CAD 10,000 equity. | Margin accounts only; potentially large additional obligations.Source 23 |
| Cash-secured puts | Permitted in eligible registered and non-registered accounts, excluding RESP. | Registered accounts cannot use index cash-secured puts.Source 23 |
| Approval timing | Normally 1–2 business days for a submitted level change. | Minimum equity is not a substitute for sufficient collateral on the actual trade.Source 23 |
CAD/USD conversion, settlement and journaling
Sections ↑At a glance14
Currency handling by account
| Situation | Published treatment | Consequence |
|---|---|---|
| Manual CAD/USD conversion | 1.5% fee embedded in the exchange rate. | Repeated conversions can outweigh a zero stock commission.Source 16 |
| Margin account | Questrade does not automatically exchange positive CAD to cover a USD purchase. | A USD debit incurs borrowing costs until covered.Source 24 |
| Cash / registered shortfall | Qualifying opposite-currency cash can be converted around 16:00 Eastern time. | Holding both currencies does not prevent automatic conversion of a deficit.Source 24 |
| Manual request cutoff | Requests by 14:30 Eastern are normally processed around 16:00. | Later requests are best effort or move to the next business day.Source 24 |
| Registered settlement preference | Currency of transaction, CAD or USD settings determine proceeds handling. | A chosen settlement currency does not remove deficit-cover conversion.Source 25 |
| Late-session debit | Registered deficits created after the 16:00 check can wait until the next business day. | Review available currency before extended-hours trading.Source 25 |
At a glance15
Journaling between Canadian and US listings
| Point | Published rule | Trade-off |
|---|---|---|
| Eligible security | Equivalent dual-listed shares; online journaling is requested within the account. | Fractions cannot be journaled.Source 26Source 27 |
| Fee | CAD 9.95 per online request, or unlimited qualifying online requests with Plus. | Subscription cost is a separate consideration.Source 26 |
| Processing | Up to five business days; a fresh purchase can add a settlement day. | Do not trade the security while the request is pending.Source 26 |
| RESP | Online journaling is unavailable; contact support. | Do not assume every account can use the same self-service workflow.Source 26 |
| Economic result | Journaling can facilitate a two-listing conversion strategy. | Bid/ask spread, market movement and settlement/processing delays still matter.Source 26 |
Platforms, market data and automation
Sections ↑At a glance16
Use the platform matched to the product
| Platform/service | Published capability | Limit |
|---|---|---|
| Questrade Pro | Free access; advanced charts, options research, chart trading, hotkeys and strategy tools. | Features require the corresponding product/account permission.Source 28 |
| Agentic tools | Published rule creation from natural-language instructions, including trading or alerts when offline. | Automation can create real orders; this profile reports the offered feature, not tested performance.Source 28 |
| Questrade Global | Web and mobile FX/CFD trading; Autochartist signals, NewsEdge research, watchlists and alerts. | Separate from the securities platform.Source 9 |
| Global data | Real-time market data included without a separate plan. | This does not establish the same entitlement on Pro or an external API.Source 9 |
At a glance17
Securities market-data packages
| Package | Current advertised monthly price | Scope |
|---|---|---|
| Free | Zero | Level 1 stock/ETF data and snapshot options quotes.Source 14 |
| Expanded | CAD 9.95; included with Plus | Direct US exchange streaming and live US options data.Source 14 |
| Advanced | USD 44.95 | Level 2 US/Canadian depth and S&P indices.Source 14 |
| Professional classification | Separately priced | Retail non-professional package inclusion does not cover professional exchange status.Source 31 |
At a glance18
Public API: the permission distinction
| User | Published access | Important restriction |
|---|---|---|
| Individual developer | Account information and market data through REST API/OAuth. | A normal customer’s personal API access cannot execute trades.Source 29 |
| Approved partner developer | Order execution can be enabled for partner applications. | Authorisation and the usual trading charges apply.Source 29 |
| Data/history | Balances, positions, executions and orders; level 1/historical market data. | The API is advertised as free, but scope, entitlement and rate limits remain.Source 29 |
Fractional shares, direct indexing and lending
Sections ↑At a glance19
Fractional investing and custom portfolios
| Service | Published operation | Restriction |
|---|---|---|
| Fractional shares | Selected Canadian/US stocks and ETFs; published minimum purchase $1 and minimum sale $0.01. | Use the instrument’s dealing currency; regular-session market/DAY orders only.Source 27 |
| Transfers and dividends | Proportional cash dividends; fractions cannot be transferred in kind or journaled. | Outside-session orders wait for the applicable session.Source 27 |
| Custom Indexing minimum | CAD 10; one index per dedicated account. | Cash funding does not automatically invest: approve the generated orders.Source 11 |
| Rebalancing | Alerts when drift exceeds 10%; review and approve the proposed trades. | Non-registered rebalancing can generate multiple taxable disposals.Source 11 |
| Index costs | No management fee or trading commission for the service. | FX conversion and ETF expenses can remain; dividend reinvestment is selectable.Source 11 |
At a glance20
Fully paid securities lending
| Term | Published arrangement | Customer consequence |
|---|---|---|
| Eligibility / enrolment | Eligible TFSA, Margin and Cash accounts; fully paid US-listed securities. | Enrolment is automatic for eligible accounts; account or individual-security opt-out is available.Source 30 |
| Revenue share | High-demand securities: 50/50 split; low-demand: 10% of net overnight revenue after the borrowing-counterparty fee. | Income depends on actual demand and lending; payment around the fifth business day of the next month.Source 30 |
| Collateral / protection | Cash collateral equals the market value of the loaned securities. | The lent securities themselves are outside CIPF coverage.Source 30 |
| Rights and exit | You can sell; voting rights are lost while shares are lent. | Opt-out normally takes effect next business day.Source 30 |
Plus, Reserve and the conditions attached to benefits
Sections ↑At a glance21
Questrade Plus subscription
| Benefit | Current offer | Qualification |
|---|---|---|
| Subscription | CAD 19.99/month plus tax after a 30-day trial. | Optional; ordinary zero-commission trading is already available without it.Source 31 |
| Journaling / data | Unlimited online journals and Expanded streaming data. | Professional market-data users pay their separate data tariff.Source 31 |
| Options cashback | CAD 0.05 per executed US equity-option contract. | US index and Canadian options are excluded.Source 31 |
| Pre-IPO priority | An earlier order window for subscribers who meet accredited-investor status. | Limited units and first-come allocation; access does not guarantee an allocation.Source 31 |
At a glance22
The 1% RRSP match is conditional
| Condition | Published rule | Limit |
|---|---|---|
| Eligibility | Paid Plus status and an eligible RRSP/non-registered payout account at month end. | A trial alone does not satisfy the paid-membership condition.Source 32 |
| Contribution base | Net new eligible cash contributions; account transfers are excluded. | Withdrawals reduce the contribution calculation.Source 32 |
| Annual cap | 2026 program contribution cap CAD 33,810; tax-year calculation March–February. | Personal contribution room may be lower; the promotion creates no additional room.Source 32 |
| Payment / clawback | Monthly payout; an external RRSP transfer can trigger recovery of bonuses from the prior 12 months. | Read the terms before moving the account soon after receiving a match.Source 32 |
At a glance23
Reserve: qualification is based on activity as well as assets
| Point | Published current rule | Boundary |
|---|---|---|
| Qualification | Meet any two: 250 executed trades; CAD 250,000 average assets; 2,500 option contracts; CAD 25,000 average margin debit. | Rolling 12-month review, assessed monthly.Source 33 |
| Exclusions | Asset test excludes FX/CFD accounts; trade test excludes GICs, precious metals and Custom Indexes. | New clients can qualify, but averages are still measured against a full year.Source 33 |
| Benefits | Dedicated support, free Plus and a 2% eligible RRSP contribution match. | The 2% does not stack with Plus’s 1%; transfer clawbacks and contribution caps apply.Source 33 |
| Loss of eligibility | A grace period can apply; continued Plus subscription then moves to the paid rate. | Cancel the subscription if its ongoing price is unwanted.Source 33 |
Managed portfolios and other investment services
Sections ↑At a glance24
Questwealth Portfolios: a separate cost model
| Item | Published term | Boundary |
|---|---|---|
| Management fee | 0.25% annually for balances CAD 250–99,999; 0.20% from CAD 100,000. | Portfolio-level expenses are additional.Source 10 |
| ETF expenses | Portfolio MERs 0.09%–0.12%; socially responsible portfolios 0.20%–0.24%. | Expenses are charged within the funds.Source 10 |
| Conversion | 100 pips, described as 0.01 added to the exchange rate. | This differs from the self-directed account’s percentage FX fee.Source 10 |
| Withdrawals | Portfolio sales and currency processing can add up to three business days before withdrawal processing. | Do not apply self-directed cash-arrival assumptions to a managed portfolio.Source 36 |
At a glance25
Pre-IPO investing: ownership, entry and exit
| Point | Published current terms | Restriction |
|---|---|---|
| Structure | Units in a dedicated fund linked to one private company. | This is an indirect holding, not an immediately tradeable public share.Source 42 |
| Eligibility | Verified accredited investors resident in Canada outside Quebec, excluding US persons. | Self-directed individual/corporate Cash or Margin accounts; web only.Source 42 |
| Entry | From USD 5,000 per order; cancel before the offering closes. | Availability and allocation are offering-specific.Source 42 |
| Fees | One percentage transaction fee at purchase and one distribution fee after a liquidity event. | Rates are disclosed on each offer; no universal zero-fee assumption.Source 42 |
| Exit | No redemption before a liquidity event; an IPO may never occur. | A subsequent lock-up commonly lasts 90–180 days; distributions may be shares, cash or both.Source 42 |
At a glance26
Private Credit funds
| Point | Published current terms | Restriction |
|---|---|---|
| Eligibility | Canadian residents outside Quebec who are not US persons; eligible/accredited-investor verification depends on the fund. | Web only; verification can take five business days and lasts 12 months.Source 43 |
| Account / minimum | Cash or Margin; some funds also qualify for RRSP/TFSA. | Check the fund-specific minimum and subscription currency.Source 43 |
| Costs | Underlying fund charges; no added Questrade adviser fee. | Yield targets and distributions are not guaranteed.Source 43 |
| Liquidity | Some funds have periodic redemption windows; others have no early exit. | Notice periods, lock-ups or penalties can apply.Source 43 |
| Credit risk | Borrower default and portfolio concentration can cause losses. | These investments do not receive government deposit insurance.Source 43 |
Deposits: method labels do not guarantee instant FX funding
Sections ↑At a glance27
Funding routes and published processing
| Method | Securities-account expectation | FX/CFD or other exception |
|---|---|---|
| Online bill payment | CAD; usually 1–2 business days. | New account activation can add processing time.Source 34 |
| Wire | CAD/USD; generally 1–2 business days after receipt. | Bank/intermediary costs and matching checks can intervene.Source 34 |
| PAD below CAD 10,000 daily | Normally 3–4 business days. | FX/CFD funding: five business days.Source 34 |
| Larger PAD | Normally 4–7 business days. | FX/CFD funding: ten business days.Source 34 |
| Broker transfer | Twenty business days or more, plus processing. | This funding route is not available for FX/CFD accounts.Source 34 |
| Cheque | Canadian-bank cheques: CAD ten calendar days; USD fifteen. | Cash, credit cards and third-party payments are not accepted funding substitutes.Source 34 |
At a glance28
Instant deposit and transfer-rebate conditions
| Feature | Published term | Operational limit |
|---|---|---|
| Instant deposit | Supported Canadian CAD Interac/Visa Debit routes; bank limits apply, with up to CAD 10,000/day advertised. | Credit cards are not supported.Source 35 |
| Account exceptions | RESP and FX/CFD deposits can require 1–2 business days. | The method’s “instant” label does not mean immediate FX buying power.Source 35 |
| Transfer-fee reimbursement | Up to CAD 150 per incoming account transfer, with no balance minimum under the FAQ. | Submit the charged-fee evidence within 60 days.Source 6 |
Withdrawals, transfers and administration charges
Sections ↑At a glance29
Taking money out
| Route | Published limit/time | Condition |
|---|---|---|
| EFT | CAD 50,000 or USD 25,000 daily; normally 3–5 business days. | Same-currency own-name Canadian bank account; larger amounts can be split.Source 36 |
| Wire | Normally 1–3 business days. | Recipient and account-holder checks apply.Source 36 |
| Conversion | Only CAD/USD withdrawals; conversion can add one business day. | The exchange fee is additional to any withdrawal charge.Source 36 |
| Settled cash | Normal North American securities use T+1 in the current worked example. | Available-to-trade and available-to-withdraw are different balances.Source 36 |
| Borrowed withdrawal | A Margin withdrawal can use a debit balance. | Check the financing impact before submitting it.Source 36 |
At a glance30
Administrative fees
| Action | Published charge | Scope |
|---|---|---|
| EFT | Zero | Within the listed daily limits.Source 37 |
| Wire | CAD 20 for CAD; USD 30 for USD; international 40 in the transaction currency. | Bank/intermediary deductions can also apply.Source 37 |
| Full / partial outward account transfer | 150 in the related transaction currency. | Both full and partial transfers attract the scheduled fee.Source 37 |
| Retirement-plan deregistration | Full 100; partial 50 in transaction currency for the listed plans. | LLP/HBP: full 50, partial 25; RESP deregistration is free.Source 37 |
| Other administration | NSF/returned item 30; estate settlement 200; document copy/retrieval typically 20. | Transaction currency; applicable taxes added.Source 37 |
| Closing / inactivity | No account-closing fee or inactivity fee. | Closing can still entail a transfer-out or deregistration charge.Source 38Source 37 |
Protection: insolvency, lending and cyber fraud are different cases
Sections ↑At a glance31
CIPF coverage categories for an individual
| Category | Published general limit | What the limit does |
|---|---|---|
| General accounts | CAD 1 million combined, including Cash/Margin, TFSA and FHSA. | Several accounts in one category do not each receive a separate limit.Source 3 |
| Registered retirement | CAD 1 million combined for eligible retirement accounts. | Separate from the general-account category.Source 3 |
| RESP | CAD 1 million for eligible education savings plans where the individual is subscriber. | Subject to the coverage policy.Source 3 |
| Event covered | Missing eligible property following a member’s insolvency. | Market losses, unsuitable returns and ordinary trading deficits are not insured; crypto assets are excluded.Source 3 |
| Reserve private cover | Questrade advertises additional private insurance up to CAD 10 million per Reserve client. | Eligibility and the policy govern; this is not a blanket benefit for every customer.Source 39 |
At a glance32
Online Security Guarantee: narrower than a headline reimbursement promise
| Condition | Current terms, updated 29 May 2026 | Consequence |
|---|---|---|
| Covered cause | Unauthorised transaction solely resulting from a breach of Questrade’s systems. | Direct financial loss only; personal credential, device, email or network compromise is excluded.Source 40 |
| Reporting | Notify Questrade immediately and no later than six days after receiving the relevant electronic monthly statement. | A law-enforcement report and cooperation are required.Source 40 |
| Security duties | Keep credentials private, enable verification, maintain device protections and review activity at least monthly. | Failure to meet conditions can invalidate reimbursement.Source 40 |
| Third-party/API activity | Transactions by you or someone acting for you through a third-party API are excluded from the unauthorised-transaction definition. | An approved API connection does not automatically gain guarantee coverage.Source 40 |
Support, complaints and escalation
Sections ↑At a glance33
Contact and complaint routes
| Route | Published process | Limit |
|---|---|---|
| Opening-account support | 1-888-298-4515 in Canada; +1-416-227-6615 internationally. Phone/chat Monday–Friday 07:30–20:00 ET; weekends 10:00–16:00. | These are opening-team hours, not a claim of identical FX dealing-desk coverage.Source 41 |
| Security incident | Call 1-888-783-7866 promptly. | The guarantee’s six-day outer notification deadline still applies.Source 40 |
| Written complaint | Send the firm the account, dates, orders, evidence and requested resolution. | CIRO says alleged-misconduct complaints should be acknowledged within five business days.Source 4 |
| Unresolved dispute | Generally a substantive firm response within 90 days; Quebec’s normal deadline is 60, extendable exceptionally to 90. | OBSI can consider an unsatisfactory response or the relevant missed-response deadline.Source 4 |
| Regulatory complaint | CIRO accepts complaints directly and can investigate rule breaches. | CIRO cannot order compensation; an OBSI or other recourse process serves a different purpose.Source 4 |
Company background & evidence
Sections ↑Sources & further reading
- Dealer directory: Questrade Inc. Canadian Investment Regulatory Organization · Accessed 10 Oct 2026
- Current member directory: Questrade Inc. Canadian Investor Protection Fund · Accessed 10 Oct 2026
- About CIPF coverage Canadian Investor Protection Fund · Accessed 10 Oct 2026
- How to make a complaint Canadian Investment Regulatory Organization · Accessed 10 Oct 2026
- Relationship disclosure Questrade · Accessed 10 Oct 2026
- Frequently asked questions about commissions Questrade · Accessed 10 Oct 2026
- Cash account Questrade · Accessed 10 Oct 2026
- Margin account and current benefits Questrade · Accessed 10 Oct 2026
- Questrade Global platform Questrade · Accessed 10 Oct 2026
- Questwealth Portfolios fees Questrade · Accessed 10 Oct 2026
- How Custom Indexing works Questrade · Accessed 10 Oct 2026
- Photo identification and non-resident documentation Questrade · Accessed 10 Oct 2026
- Questrade Global practice account Questrade · Accessed 10 Oct 2026
- Trading fees, commissions and market-data packages Questrade · Accessed 10 Oct 2026
- Options FAQ and current pricing dates Questrade · Accessed 10 Oct 2026
- Transaction fees and commission schedule Questrade · Accessed 10 Oct 2026
- Forex and CFD pricing Questrade · Accessed 10 Oct 2026
- Trading with foreign exchange Questrade · Accessed 10 Oct 2026
- Customer disclosure statement: FX/CFD risks Questrade · Accessed 10 Oct 2026
- Margin requirements and borrowing rates Questrade · Accessed 10 Oct 2026
- Margin requirements Questrade · Accessed 10 Oct 2026
- Margin call FAQ Questrade · Accessed 10 Oct 2026
- Options approval levels Questrade · Accessed 10 Oct 2026
- Exchanging funds in registered and non-registered accounts Questrade · Accessed 10 Oct 2026
- Currency settlement in registered accounts Questrade · Accessed 10 Oct 2026
- Journaling shares Questrade · Accessed 10 Oct 2026
- Fractional shares FAQ Questrade · Accessed 10 Oct 2026
- Questrade Pro capabilities Questrade · Accessed 10 Oct 2026
- Questrade API permissions and access Questrade · Accessed 10 Oct 2026
- Fully paid securities lending Questrade · Accessed 10 Oct 2026
- Questrade Plus subscription and benefits Questrade · Accessed 10 Oct 2026
- Questrade Plus RRSP contribution-match terms Questrade · Accessed 10 Oct 2026
- Questrade Reserve FAQ Questrade · Accessed 10 Oct 2026
- Funding overview Questrade · Accessed 10 Oct 2026
- Instant deposits Questrade · Accessed 10 Oct 2026
- Withdrawing from your account Questrade · Accessed 10 Oct 2026
- Administrative fees and billing conditions Questrade · Accessed 10 Oct 2026
- Closing your Questrade account Questrade · Accessed 10 Oct 2026
- Investor protection Questrade · Accessed 10 Oct 2026
- Online Security Guarantee, updated 29 May 2026 Questrade · Accessed 10 Oct 2026
- Support contacts and hours Questrade · Accessed 10 Oct 2026
- Pre-IPO investing: eligibility, fund structure and fees Questrade · Accessed 10 Oct 2026
- Private Credit fund access and redemption terms Questrade · Accessed 10 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.