Yes the TFSA is a trading account & all I did was open the new account on line - then go into a branch to sign & show ID.(That was on the 22 Dec). Due to the high interest in this new savings vehicle there was a delay in the actual funding of the new account until Jan 5. You will also have to submit a letter with your intention of transferring from your open trading acct to the new trading acct. Cost zero... but even with my letter stating that I did not want to end up with an odd board lot they blew that part of my request LOL.There will be associated fees with the different banks for withdrawals but typicaly it runs from 1 free per year - to $25 do your own DD. Hope this is of some help and wouldn't it be nice to achieve some benefit from this APH S/P meltdown. Goodluck with it ! - Paul