Brokerages
Desjardins Online Brokerage (Disnat)
The full published fee schedule as captured from the brokerage's own pricing pages.
- Stock commission
- $0 online (CAD and USD; stated on Disnat's 18-30 page and reported by reviewers citing the Disnat pricing page, checked Oct 2026; the text fetch of the pricing page itself returned only the representative-assisted table: minimum $45, Canadian markets $35 + 0.5c-6.5c/share by price band, American markets $39 + 2c-8c/share by price band)
- ETF buy commission
- $0 online (same provenance as stock_commission)
- ETF sell commission
- $0 online (same provenance as stock_commission)
- Options commission
- Online: $1.25 per contract, minimum $8.75 (reviewers citing Disnat pricing page, Oct 2026). Representative-assisted, from fetched pricing page verbatim: 'Options (minimum $35), $2,50 per contract'. Option exercise/assignment: $30 per trade (fetched page).
- Currency conversion
- Income margin on conversion can vary between 0.15% and 1.90%, depending on the value of the conversion; Desjardins Securities acts as principal, conversion rate based on market buying and selling rates with currency conversion and income included (verbatim from pricing page).
- Margin rates
- Margin account, CAD: $0-$99,999 Prime + 1.25%; $100,000-$499,999 Prime + 0.5%; $500,000+ Prime. USD: $0-$99,999 Prime + 1%; $100,000-$499,999 Prime + 1%; $500,000+ Prime + 0.5%. Cash account debit balances: Prime + 9% CAD and USD. Numeric prime rate not stated on the page.
- Admin fees
- {'RESP_annual': "Free if subscriber's total account market value $15,000 or more; otherwise $50", 'RRIF_LIF_annual': 'Free if market value $25,000 or more; otherwise $100', 'RRSP_LIRA_annual': 'Free if market value $15,000 or more; otherwise $100', 'TFSA_FHSA': 'No administration fees, but subject to inactivity fees', 'non_registered': 'No separate annual administration fee listed on the pricing page (not published / not found as a distinct line)'}
- Inactivity fee
- $30 per quarter if none of these are met: 6 or more trades in the preceding 12 months; portfolio market value of $15,000 or more; hold a registered account (except TFSA or FHSA); age 18-30. Free if any one is met.
- Transfer out fee
- Full: $150. Partial: $25 per security.
- Account minimums
- Initial deposit of at least CAD 1,000 required to open an account (official FAQ, verbatim). Note: the Direct Brokerage 18-30 page states no minimum balance for that program.
Notes from the capture
Pricing page and FAQ fetched in full on capture date. Capture limitation: the pricing-page text fetch returned the representative-assisted commission tables and all account/transfer/FX/margin tables, but did not return an online-trades commission table; the $0 online stock/ETF and $1.25/contract online options figures come from Disnat's 18-30 page (search result) and reviewers citing the same pricing page checked Oct 2026, and are labelled as such in the capture note. No 429 was encountered for this brokerage.
Source: https://www.disnat.com/en/platforms-and-fees/pricing | Captured 2026-11-15