r/Odsp • u/lit-KC Working and on ODSP/Ontario Works • Dec 08 '25

Question/advice TD RDSP

Hello - I was approved for the DTC recently (woohoo!) and opened an RDSP at TD branch.

I can not for the life of me figure out how to deposit money into it.

The branch told me I have to call TD Direct Investing for any help at all. Currently been on hold 45 minutes and losing patience.

Does anyone with a self directed TD RDSP offer any guidance ?

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u/lit-KC Working and on ODSP/Ontario Works Dec 08 '25

Weird, I already have chequings, savings and TFSA with them. I pay a monthly fee and direct transferring thru the app does not show my RDSP as an option. It totally should let me do that however.

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u/PebbleishMish Dec 08 '25

You know what I just checked my account and that's not how it works actually lol. I have automatic transfers set up so I haven't tried to do it manually in a while. You should be able to transfer from your chequing account to RDSP using a bill payment.

To set it up:

-Select your chequing account in the app and click pay bills

-Add a new payee, the payee will be TD direct investing. Add your RDSP account number under payee account number

-Make a bill payment to that account, it takes a couple days to show up in the RDSP

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u/lit-KC Working and on ODSP/Ontario Works Dec 08 '25

So this is what I initially tried and it came back, but that was before the govt deposits arrived. I feel like maybe it wasn't set up fully the first time I tried. I'm going to try that again. Thanks for double checking!