Our Dime - Disnat (Desjardins) Investment Platform Audit

Disnat (Desjardins)

Parent company: Mouvement des caisses Desjardins

Investment Platform

Category: Bank discount brokerage

disnat.com

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True North

100%

Capital: Canada

Capital: Canada (profits)

Control: Canada

Control: Canada (decisions)

Disnat is the discount brokerage arm of Desjardins, a prominent Canadian cooperative. This structure results in a high True North score due to domestic ownership, domestic strategic control, and a large local operational footprint. Capital flows remain within the Canadian cooperative network.

Vector Breakdown

Inputs

medium

20 /20

Custody and clearing infrastructure are primarily anchored within the Canadian financial ecosystem.

Capital

Capital (profits)

high

40 /40

The entity is a division of a Canadian financial cooperative owned by its members. Profits remain within the Canadian cooperative structure.

Control

Control (decisions)

high

20 /20

Strategic control and executive decision-making are centered at the parent headquarters in Canada.

Operations

high

20 /20

The platform maintains a significant operational footprint in Canada, including compliance, support, and administrative functions.

Forensic Summary

Research Snapshot

Checked: 2026-01-22

Platform name (payload): Disnat (Desjardins)
Official domain: disnat.com
Canonical Canada URL: https://www.disnat.com/en

Corporate Footprint

Parent company: Desjardins Securities Inc.
Headquarters location: Montreal, Quebec

Sources

Parent company

"Desjardins Online Brokerage is a division of Desjardins Securities Inc."
Source
Headquarters

"Head office: 1170, rue Peel, bureau 105, Montréal (Québec) H3B 0A9"
Source

Canada Availability

Available

Confidence: high

Provinces: National

Services are explicitly restricted to Canadian residents.

Source

"The products and services described on this site are only available in Canada."

Source

Pricing & Fees

Stock/ETF commission: $0
Options contract fee: $1.25
FX conversion fee: Unknown
Account minimum: $0
Management fee: 0%
Monthly fee: $0

FX fees are spread-based and not disclosed as a fixed percentage. An inactivity fee of $30/quarter applies to accounts under $15,000 without trades.

Source

"Trade stocks and ETFs for $0 commission. $1.25 per contract (minimum $8.75). No minimum balance required to open an account."

Source

Account Types & Access

Account types

Self-directed: Yes

Managed/robo: No

Crypto trading: No

Registered accounts

TFSA

RRSP

FHSA

RESP

RRIF

LIRA

Non-registered

Platform access

Mobile app: Yes

Web platform: Yes

Offers both Disnat Classic and Disnat Direct for self-directed investors. FHSA is supported.

Mobile app available for iOS and Android.

Sources

Account types

"RRSP, TFSA, RESP, FHSA, RRIF, LIRA, LIF, and non-registered accounts."

Source

Platform access

"The Desjardins Online Brokerage mobile app lets you trade stocks and options, view your accounts and track the markets."

Source

Investor Protection

CIPF member: Yes

Regulator: CIRO

Regulated by the Canadian Investment Regulatory Organization (CIRO).

Source

"Desjardins Securities is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF)."

Source