Vault vs TD - Choose Vault as an alternative

Vault vs.

TD

TD Bank offers a wide range of services, but it falls short on fee transparency and flexibility. Vault delivers a better experience with no monthly fees, 1% cashback on all spending, and multi-currency accounts. Get started for free and simplify your business banking today.

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No personal credit check or guarantee.

4.7

trusted by 3,000+ Canadian businesses

Featured by leading publications

Compare Vault vs.

TD

Vault

Physical corporate cards

Vault

Virtual corporate cards

Vault

Free accounts with no minimums

Vault

CAD, USD, GBP & EUR accounts

Vault

Spend controls

Vault

Automatic receipt collection

Vault

Expense management software

Vault

Simplified Accounting Software Integration

Vault

Required branch visits

Vault

Local transfers (ACH, SEPA, UK FPS)

Vault

"We love Vault! It took maybe 5 minutes to set the account. We use a virtual credit card for every vendor we use, as a Cyber Security provider we feel it’s the same principle as using separate passwords for every site. I highly recommend Vault and have also recommended to some of our clients!"

— Andy Larin

CEO, allCare IT

"Sending domestic and international wire transfers with no fees has saved my business hundreds of dollars per month. My old bank charged $20 for each wire that I sent and I could only send $10,000 at a time. With Vault, I pay no wire transfer fees and I don’t have to send multiple wires to pay one invoice."

— Nathan Nasseri

Founder & CEO, ResVR

“Vault’s solution clearly differentiates from that of major banks and credit card companies in its agility, cost efficiency, and operational simplicity. In comparison to other similar fintech companies, Vault’s customer service is substantially ahead of that of their competitors from our experience.”

— Tonny Lam

CEO, Hook + Ladder Digital

OUR PLATFORM

Top 3 reasons leaders pick Vault

Vault offers you a complete suite of finance products designed to save you both time and money

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Multi-Currency Accounts

Set up accounts in CAD, USD, GBP and EUR. Become a local without managing multiple entities.

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Best FX Rates

Get the best FX rates in Canada. Zero hidden fees. Transparent rates. Save your business time and money.

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Accounting Integrations

Seamlessly integrate Vault with your accounting systems and consolidate your finance stack.

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Frequently asked questions

Everything you need to know about the product and billing.

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Join 3,000+ businesses banking with Vault today

Streamline your business banking and save on your spend and transfers today

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Vault Prepaid Mastercard card is issued by Peoples Trust Company under licence from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Vault Payments Inc. is registered as a money service business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number M22941967.

Vault is currently not available to businesses in Quebec.