Desjardins Online Brokerage tax reporting, explained

What Desjardins Online Brokerage gives you at tax time, where its numbers fall short, and how to get to a correct capital gains figure for your return.

Mis à jour July 2026 · 5 min read
L’essentiel à retenir
  • Desjardins Online Brokerage issues a T5008 for non-registered dispositions and the CRA gets a copy — but the cost box only reflects what Desjardins Online Brokerage saw.
  • Transfers in, other brokers, reinvested distributions, and equity comp can make Desjardins Online Brokerage's cost figure partial or blank; the proceeds are usually reliable.
  • The CRA holds you to the correct pooled adjusted cost base across all accounts — reconcile before filing Schedule 3.

What Desjardins Online Brokerage provides

Desjardins Online Brokerage (Disnat) provides tax slips and account statements through AccèsD, with downloadable transaction history and confirmations. For non-registered accounts you’ll generally receive a T5008 covering your dispositions, along with T3 and T5 slips for distributions and dividends. Trades inside a TFSA or RRSP aren’t reported and aren’t taxable.

Why the cost base may be incomplete

Like every broker, Desjardins Online Brokerage can only compute cost base from activity it sees in your Desjardins Online Brokerage accounts. If you transferred shares in, hold the same security at another broker, reinvested distributions, or received equity-comp shares, its cost figure can be partial or blank — while the proceeds are usually reliable.

You own the number. Whatever Desjardins Online Brokerage reports for cost, the CRA holds you to the correct pooled adjusted cost base. Reconcile before you file.

A Desjardins Online Brokerage detail worth knowing

Desjardins is the dominant brokerage in Quebec. T5008 slips and Relevé 18 (RL-18) are both issued — the RL-18 is for Québec provincial filing and may show amounts that differ from the T5008 due to Québec-specific rules. Reconcile against both.

Getting your data into shape

Export your Desjardins Online Brokerage activity (transactions and slips), then build a pooled cost base across all your accounts and brokers — applying reinvested distributions, return of capital, FX on US trades, and any corporate actions. That reconciled ACB, not the raw slip, is what belongs on your Schedule 3.

Questions fréquentes

Does Desjardins Online Brokerage report my capital gains to the CRA?

Desjardins Online Brokerage issues a T5008 reporting your dispositions (proceeds, and sometimes a cost figure) for non-registered accounts, and the CRA receives a copy. But you are responsible for reporting the correct adjusted cost base, which the slip may not fully capture.

Can I trust the cost base on my Desjardins Online Brokerage slip?

Treat the proceeds as reliable but verify the cost base. Desjardins Online Brokerage only sees activity in your Desjardins Online Brokerage accounts, so transfers in, holdings at other brokers, reinvested distributions, and equity-comp shares can make its cost figure incomplete.

Are my Desjardins Online Brokerage TFSA and RRSP trades taxable?

No. Gains inside registered accounts are sheltered, so trades there aren’t reported on a T5008 or taxed. Only your non-registered Desjardins Online Brokerage activity flows onto Schedule 3.

Continuer la lecture
Why your T5008 might be wrongImporting broker dataHow to report stock sales to the CRA

Information éducative, pas un conseil fiscal. Les règles résumées ici peuvent changer et ne s'appliquent pas nécessairement à votre situation — confirmez toujours vos déclarations de gains en capital avec un comptable canadien qualifié.

Ne constitue pas un conseil fiscal ou juridique. Confirmez toujours vos déclarations de gains en capital avec un comptable qualifié. · Fait avec amour au Canada 🇨🇦
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