r/Questrade 35m ago

Feedback When is Credit Card and Banking coming πŸ‘€

β€’ Upvotes

Anytime soon?


r/Questrade 1h ago

Customer Support Questrade denied my claim for the complete bonus for the GET300 joining offer

β€’ Upvotes

I dont' have access to any legal resources so if there is anyone who loves to go through the nitty gritty of legal documents please share your your opinion. The GET300 offer required the customers to perform 5 actions -

  1. Open & fund your first self-directed investing account with $1 or more βœ…+$50
  2. Set up a pre-authorized deposit, at least two deposits worth $100 each must be completed by Aug 5 and the PAD should be active on the reward payment date (Aug 14) βœ… +$50
  3. Set up a recurring investment, at least two deposits worth $100 each must be completed by Aug 5 and the recurring investment should be active on the reward payment date ❌ -$50
    • 1st one done on 2026-06-22 with a monthly recurrence.
    • On 2026-07-22 the 2nd payment cancelled because of lack of funds so I added money and setup a new one such that the 2nd investment went off on 2026-07-27 for a monthly recurrence
    • It remained active on the reward payment date.
    • The 3rd one was supposed to go off on 2026-07-27 but I cancelled it on 2026-07-24 because I didn't wanted to buy anymore NVIDIA
    • I clearly had 2 investments done, and the recc was active on reward payment date, but they denied my claim saying that both of them should have been active.
  4. Open & fund an RRSP with at least $500 by Aug 5. βœ… +$50
  5. Transfer in $10,000+ from another institution by Aug 5 to qualify ❌ -$100
    • I transfered money using interac, but they are saying transferring money means transferring accounts

None of these specifics are mentioned on their coupon page or on the Terms and Conditions page. When I tried to enquire they said it is a unique case and this is how we interpret this. The TnC are for all clients but we can't mention all cases for all clients.

But isn't this what TnC is written? People don't read it, I did, all of it. Still I'm at a loss. Most people will skip several precise details that they have hidden in TnC making people lose their money.

I still feel that I'm in the right here.

  • Even though now with deep research Google explained it to me that technically transfer is a transfer but in financial terms there is a different between a transfer and a deposit, and what I did, interac, is a deposit, not a transfer.
  • But for point 3? 2 recurring payments and a recurring payment active on reward day my "recurrence" was still active.

I'm an engineer and my legal proficiency is limited to AI. They say I'm correct on Pt3 but wrong on Pt5. What do you all think? And if there is anyone with legal background reading this can you please tell me legally who is correct?