TD Canada Trust refund — Canada
Step-by-step refund guide for TD Canada Trust customers in Canada. Verified contact lines, timelines, and the regulator path if TD Canada Trust cannot resolve your case.
Refund timeline
| Scenario | Window | Method |
|---|---|---|
| Card refund (original payment method) | 10 business days for card fraud | Back to the same card |
| Bank transfer refund | 5–10 business days | Original account |
| Voucher / brand credit | Issued same day | TD Canada Trust account credit |
| Regulator-mandated refund | 30 days after regulator decision | Original payment method, with interest where applicable |
Related FAQs
What is the real TD Canada Trust customer service number?
1-866-222-3456 — published on https://www.td.com/ca/en/personal-banking/customer-service/ and verified on the date shown at the top of this page.
Is TD Canada Trust customer service 24/7?
24/7
How do I talk to a real human at TD Canada Trust?
Dial 1-866-222-3456 and press 0 repeatedly, or say 'agent' / 'representative' at the IVR prompt — most bank IVRs route to a human within 5 minutes during business hours.
Is calling TD Canada Trust free?
Yes — the toll-free numbers marked above are free from a landline or mobile in their listed region. International calls are charged at your carrier's rate.
Can I email TD Canada Trust?
TD Canada Trust prefers phone and in-account chat; email is available via the contact form on https://www.td.com/ca/en/personal-banking/customer-service/.
How long does a TD Canada Trust refund take?
10 business days for card fraud for card refunds; instant for account credit; up to 30 days for disputes that go through the regulator.
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