TD Ameritrade Transfer Fee (ACAT of Brokerage/IRA Account) 2021

How much does TD Ameritrade charge in ACAT fee for full and partial IRA and taxable brokerage account transfer (stock positions, mutual funds, ETFs). Cost of TD Ameritrade transfer of account eligible assets, address; and outgoing wire fee.

ACAT Fee For Transfers Into TD Ameritrade

TD Ameritrade does not charge any fees if you are transferring an account to them. They will actually refund you ACAT fee charged by your current broker. You can use a link below to open an account and initiate the transfer:

Open TD Ameritrade Account

Withdrawing Cash Out of TD Ameritrade

If you just want to withdraw some money out of your TD Ameritrade account and keep the account open, then read TD Ameritrade Withdrawal Terms article.

TD Ameritrade ACAT Fee (Transferring OUT)

TD Ameritrade ACAT fee is $75 for a full account transfer and $0 for a partial account transfer (stock positions, mutual funds, and ETFs). The fee applies also to all IRA accounts: ROTH, traditional, SEP, and SIMPLE IRA.

To learn how to move your TD Ameritrade account to a different broker read this article »

TD Ameritrade Wire Transfer Fees

Outgoing wire transfers at TD Ameritrade are $25 per transfer. Incoming TDA wire transfers are no charge.

TD Ameritrade Alternatives

Broker Review Broker
Mutual Fund
Option Promotion Offer
4.5-star brokerage rating

$0 na $0 Get 2 FREE stocks valued up to $1,850.
Ally Invest
Ally Invest rating

$0 $9.95 $0.50 Up to $3,000 cash bonus + $0 commission trades.
Firstrade rating

$0 $0 $0 Get 2 FREE stocks and $0 commission in ALL trades!

Transfer Strategy

Transferring brokerage accounts is quite simple and your new brokerage will gladly help you every step along the way. However, there are some things to keep in mind before starting the transfer process. Transferring your account will not result in a taxable event. If your funds are currently trading below their cost basis, it is better to liquidate the account and report the loss on your taxes (assuming your funds are in a taxable account). Once liquidated, you can then simply close the account and open a new account at the brokerage of your choosing and take full advantage of their current promotions - such as Ally Invest promotional bonus of up to $3,000.

If your funds have surpassed their cost basis, then it is a better idea to defer taxes and transfer the account. During the transfer your funds will continue to be invested in-kind so you will not lose out on any potential gains. If your old brokerage offered commission free trades on some unique ETFs you may not be able to continue making commission free trades on these ETFs with your new broker. While most large brokerages offer popular index fund ETFs commission free, each brokerage is slightly different in what they offer. Always check to see what options you have for free prior to moving your funds to a new brokerage. Another thing to note is that you should not trade after initiating an account transfer. This can cause delays and complicates the process. Most account transfers take around a week or two to complete.

tdameritrade fund screener

TD Ameritrade Fees

If you use their automated phone system, the fee goes from $0 to $5. But, at $25, the fee really explodes for broker-assisted trades. If they fill an order in separate lots over two or more days, you’ll get charged for each lot. So you may want to specify all-or-none trades when dealing with TD Ameritrade.

Options require an additional $0.65 per contract, but exercises and assignments will cost you $0. Bonds trades cost a flat fee of $25, futures are $2.25 per contract and FOREX commissions depend upon the currency pair.

Mutual funds at TD Ameritrade not in NTF (no commission) program will cost a customer $49.99 to buy, sell or exchange. This is also the amount you’ll hand over if you sell an NTF fund within 180 days.

TD Ameritrade ACAT Fees Disclaimer

For the most recent information on TD Ameritrade transfer fees (full and partial account transfer out, wire transfer and ACH charges, ACAT of eligible assets) visit their website.