Gift Cards - Frequently Asked Questions

Expand Purchasing a Gift Card

How can I purchase a TD Bank Visa® Gift Card?
Is there a fee to purchase a Gift Card?

How can I purchase a TD Bank Visa® Gift Card?

As a TD Bank customer, you can purchase gift cards at your local TD Bank or by calling Customer Service at 1-888-751-9000. Gift cards can be purchased in dollar values ranging from $25 to $750.

Is there a fee to purchase a Gift Card?

There is no fee to purchase or make transactions using the card. The card is subject to a monthly inactivity fee after 12 consecutive months of inactivity even if the card has not been activated. The inactivity fee can consume the balance on the card before the 'Good Thru' date printed on the card. The inactivity fee can be avoided by making regular purchases with the card and using the card in full. Please refer to the Terms and Conditions for details.

Expand Registering your Gift Card

Why should I register my Gift Card?
How do I register my Gift Card?

Why should I register my Gift Card?

To use your card everywhere Visa is accepted, TD Bank needs to have the gift card number as well as the name of the cardholder using the card on record. Unless you register your card in advance, there will be no way an internet, mail, smart phone or telephone order merchant can confirm your identity. Without such confirmation, the merchant might decline your purchase even if there are sufficient funds on the card. Also, if your card is lost or stolen and you would like to request a new card, we need your name and address in our records from the registration process in order to mail you a new card.

How do I register my Gift Card?

It's easy to register your new card.

  • Log in to TD Bank Card Services
  • Call Customer Service 24/7 at 1-888-294-2249
  • Instructions for online registration:
  • If the sticker on your card says active, select "Register Your Card" and enter your 16-digit card number and your initial password (the 3-digit security code printed on the signature panel on the back of the card).
  • If the sticker on your card says your card needs to be activated, select "Activate My Card" and follow the instructions.

Expand Using your Gift Card

Is there a monthly Inactivity Fee?
How do I use my Gift Card to make purchases?
How can I check the available balance on my Gift Card?
Does my Gift Card have a Personal Identification Number (PIN)?
What if a merchant asks me for a PIN and I do not have one?
Can I use my Gift Card to get cash?
Can my Gift Card be used at more than one merchant?
Can my Gift Card be used for online, smart phone and telephone purchases?
Does my Gift Card work at gas stations?
Do some merchants place a hold on available value on my Gift Card in excess of the actual purchase amount?
Are there any other usage restrictions on my Gift Card?
What if the purchase price is greater than the balance on my card, or my purchase is denied?
Will my card expire on the 'Good Thru" date?
What happens when my Gift Card balance is zero?

Is there a monthly Inactivity Fee?

Yes, an inactivity fee of $2.50 per month will be deducted from the card balance following 12 consecutive months of inactivity. The inactivity fee can consume the balance on the card before the 'Good Thru' date printed on the card. The inactivity fee can be avoided by making regular purchases with the card and using the card in full.

How do I use my Gift Card to make purchases?

There are two ways to use your new card to make a purchase.

  1. By signature at merchants: To pay for purchases at merchants who accept Visa, sign the sales receipt to complete the transaction. Tell the salesclerk that you prefer to sign for your purchase. If there's a keypad, usually, you will need to select the "Credit" payment option.
  2. By PIN at merchants (for cards purchased after 3/31/13): To pay for purchases at merchants who accept Visa, enter your PIN number in the keypad to complete the transaction. Usually, you will need to push the "Debit" payment option. Cards sold prior to 3/31/13 do not have the capability to set a PIN; all purchases need to be completed by signature.

How can I check the available balance on my Gift Card?

It's easy to check the available balance on your card.

Does my Gift Card have a Personal Identification Number (PIN)?

Gift Card Purchase Date PIN Capability
On or after 9/3/14 Yes. Your card comes with a pre-determined PIN, which is the last four digits of your card number. You can change your PIN by logging into TD Bank Card Services.
3/31/13 - 9/2/14 Yes. You have the option of choosing a custom PIN. You can select or change your PIN by logging into TD Bank Card Services.
Before 3/31/13 No. Only cards sold on or after 3/31/13 have PIN capability. Please call Customer Service at 1-888-294-2249 if you have any questions.

What if a merchant asks me for a PIN and I do not have one?

To pay for purchases at merchants who ask for a PIN, tell the clerk you would like to sign for the transaction.

Can I use my Gift Card to get cash?

No, your card cannot be used for cash access at an ATM or bank branch, and it cannot be used to get cash back when you make a purchase.

Can my Gift Card be used at more than one merchant?

Yes, your card can be used at all merchants who accept Visa. It's one of the advantages over gift cards that must be used at one location, like a retail store gift card.

Can my Gift Card be used for online, smart phone and telephone purchases?

Yes, the card needs to be registered and the name and billing address for the purchase must match the name and address for which the card was registered.

It's easy to register your new card.

Does my Gift Card work at gas stations?

If you use the card at a gas station, we recommend that you pay inside and specify the exact amount. Some terminals automatically preauthorize transactions at the pump for a predetermined amount prior to your purchase that may exceed the balance on your card and cause the card to be declined.

Do some merchants place a hold on available value on my Gift Card in excess of the actual purchase amount?

Yes, some merchants may seek approval for an amount greater than the purchase amount. In that case, TD Bank will place a hold on the card balance for the amount approved. That hold will stay in place until the merchant sends TD Bank the final amount of the purchase, which may be several days or longer. Here are some examples of when this could occur:

  • Restaurants and service-oriented places – It is customary for service-oriented merchants to automatically add 20% to the amount of your bill when authorizing your purchase. So, remember to make sure that you have enough to cover the total bill (including the tip) or your purchase may be declined.
  • Gas stations (pay at the pump) – Gas stations sometimes program the electronic terminal at the pump to seek approval for a set amount that could be in excess of the actual purchase amount. You can avoid any service issue by simply pre-paying for your gas (for an exact amount) with an attendant inside the station.
  • Hotels, car rentals and travel service-oriented places – It's customary for travel-oriented merchants to automatically add 25% to the amount of your bill when authorizing your purchase. So, remember to make sure that the balance on the card is enough to cover the total bill (including the "incidentals") or your purchase may be declined.

Are there any other usage restrictions on my Gift Card?

Yes, gift cards cannot be used for illegal transactions or internet gambling.

What if the purchase price is greater than the balance on my card, or my purchase is denied?

If your available balance is less than the purchase price, your purchase may be denied. Ask the cashier to deduct the specific amount remaining on your card and then use a second form of payment – debit card, credit card, check or cash – for the purchase balance.

Will my card expire on the 'Good Thru" date?

Your card has a 'Good Thru' date embossed on the front of it. If a balance remains on your card after that date, please visit any TD Bank and we'll re-issue you a new card.

What happens when my Gift Card balance is zero?

Gift cards are not reloadable, so money cannot be added to the card. Once the dollar value is used, the card has no value and should be destroyed.

Expand Keeping Your Gift Card Secure

What if I have a dispute over a purchase made with my Gift Card?
What should I do if my Gift Card is lost or stolen?

What if I have a dispute over a purchase made with my Gift Card?

If you have a dispute, first contact the merchant directly to settle the transaction in question. If you are unsuccessful in resolving the issue with the merchant, call Customer Service at 1-888-294-2249.

What should I do if my Gift Card is lost or stolen?

Your gift card is the same as cash and it is like losing cash if it is lost or stolen. If your card is lost or stolen, you should call Customer Service at 1-888-294-2249 right away. For a lost or stolen card that has been previously registered, a replacement card may be issued for the value remaining on the card at the time it is reported lost or stolen, fees may apply. Please refer to the Terms and Conditions for details.

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