Online brokerage
Desjardins Online Brokerage (Disnat) Review: CIRO-Registered, Fees & Platforms
By ForexCanada Editorial Team · Updated
Canada check
- Canadian status
- CIRO-registered
- Canadian entity
- Desjardins Securities Inc.
- CIPF coverage
- Yes (eligible accounts, within CIPF limits)
- OBSI complaints
- Yes — free, independent dispute resolution
- Accepts Canadians
- Accepts Canadian residents
- Licences abroad
- —
- Founded
- 1982
- Headquarters
- Montréal, QC
- Ownership
- Desjardins Group
Our take on Desjardins Online Brokerage (Disnat)
Desjardins Online Brokerage, long known as Disnat, is the self-directed platform of Canada's largest cooperative financial group. It offers $0 commissions on stock and ETF trades, full registered accounts and a desktop platform for more active users. It is especially popular in Québec and with Desjardins members who value the cooperative model.
Disnat has been part of Desjardins, North America's largest cooperative financial group, for decades, and its $0-commission online trading makes it a strong low-cost option in both English and French. Its platform is functional rather than modern, and research tools are lighter than at TD or Qtrade. Desjardins members benefit from integration with their existing accounts.
Verdict
A strong low-cost choice, particularly for Desjardins members.
What we like
- +$0 stock and ETF commissions
- +Cooperative ownership
- +French-first service
Watch out for
- −Interface feels dated
- −No forex or CFDs
How Desjardins Online Brokerage (Disnat) scores
Canadian protection carries 40% of the weight, so an unregistered firm can't outrank a registered one on price alone. See the full methodology.
Accounts, markets & platforms
- Platforms
- Proprietary web, Proprietary desktop, Mobile app
- Markets
- Stocks · ETFs · Options · Bonds · Mutual funds
- Pricing
- $0 stock and ETF commissions on its online offer
- CAD / USD accounts
- ✓ CAD | ✓ USD
- Registered accounts
- TFSA, RRSP, FHSA, RESP, RRIF, LIRA
- Demo account
- Not advertised
- French service
- Yes
Figures are taken from the broker's own disclosures at our last review (2026-09) and change often — always confirm on the broker's website. Spot an error? Tell us.
Verify Desjardins Online Brokerage (Disnat) yourself
- Look for the firm on CIRO's list of dealers it regulates.
- Search the legal entity name in the CSA National Registration Search and check it is registered in your province.
- Confirm CIPF membership in the CIPF member directory.
- Search the CSA investor alerts for the brand name and any look-alike websites.
- Make sure the account agreement you sign names the same legal entity — not an offshore affiliate.
Desjardins Online Brokerage (Disnat): frequently asked questions
Is Desjardins Online Brokerage (Disnat) regulated in Canada?
Yes. Canadian clients are served by Desjardins Securities Inc., a registered investment dealer and member of the Canadian Investment Regulatory Organization (CIRO). You can confirm this on CIRO's list of dealers it regulates and in the CSA National Registration Search.
Is my money protected with Desjardins Online Brokerage (Disnat)?
Eligible accounts at CIRO dealer members are covered by the Canadian Investor Protection Fund (CIPF) if the firm becomes insolvent — generally up to $1 million per account category. CIPF does not cover trading losses.
Can I open a TFSA or RRSP with Desjardins Online Brokerage (Disnat)?
Yes. Desjardins Online Brokerage (Disnat) offers TFSA, RRSP, FHSA, RESP, RRIF, LIRA accounts. Note that leveraged forex and CFDs can't be held in registered accounts.
Canadian trader reviews
Reviews are submitted by readers and moderated by our editors for relevance and abuse. They are opinions, not verified facts, and never affect our score.
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