Greenline + Desjardins Online Brokerage

Desjardins Online Brokerage, also known as Disnat, is a natural choice for investors who are members of Desjardins. The platform offers commission-free stock and ETF trading, full French and English bilingual support, and tight integration with Desjardins banking. For Quebec-based investors especially, it’s a strong and familiar option.

But Disnat shows you Disnat. When your investments extend beyond one institution, you need a way to see everything together.

What Desjardins Online Brokerage does well

Disnat offers $0 commissions on stock and ETF trades, putting it in line with Wealthsimple and National Bank Direct Brokerage. The platform is fully bilingual, which matters for investors who prefer to manage their finances in French.

They support TFSAs, RRSPs, FHSAs, and non-registered accounts. If you’re already a Desjardins member, integration with your banking is seamless, and funding your accounts is straightforward.

For Quebec investors who want a local institution with competitive pricing, Disnat is hard to beat.

Where it gets complicated

The same limitation applies here as with every brokerage: Disnat can only show you what’s held at Desjardins.

Maybe you have a Disnat TFSA but your employer runs a group RRSP with another provider. Maybe your spouse invests at a different brokerage. Maybe you opened a Wealthsimple or Questrade account for a different reason and never consolidated. Disnat can report on your Desjardins investments, but nothing beyond that.

You can’t see:

• Your total portfolio allocation across all brokerages
• Whether your Disnat holdings overlap with positions elsewhere
• What your combined investment fees look like
• Your full net worth from investments
• Your adjusted cost base across multiple platforms

That’s the nature of every brokerage, not just Desjardins.

How Greenline fills the gap

Greenline brings all your accounts together. Upload your Disnat PDF statement, add accounts from your other brokerages, and Greenline gives you one combined view.

You get:

• One dashboard covering every account at every brokerage
• Fee analysis showing what you’re actually paying across all your investments
• Net worth tracking that includes your full investment picture
• Holdings deep dive with your real allocation by region, sector, and asset class
• Tax reporting with ACB tracking that works across brokerages

Greenline doesn’t replace Desjardins Online Brokerage. You keep trading where you trade. Greenline just helps you see how everything works together.

Do you need both?

If Disnat is your only brokerage and you’re happy with their built-in view, you might not need Greenline right now.

But if any of these apply, Greenline adds something Disnat can’t:

• You have accounts at more than one brokerage
• You want to see your total net worth across all your investments
• You want to understand your real allocation, not just one account
• You need ACB tracking for tax season
• You want a daily summary that covers everything in one place

How to get started?

If you’re a Desjardins Online Brokerage client, you can download your account statement as a PDF from the Disnat platform. Upload it to Greenline, and your holdings are imported automatically. It takes a couple of minutes.

From there, add your other accounts and you’ll have the complete picture.