Can I have more than one TFSA account – with one of them through my employer?
You can set up multiple Tax-Free Savings Accounts (TFSA), but you cannot contribute more than your annual contribution limit to all of them combined.
The maximum annual contribution limit for 2018 is $5,500. If you have not contributed the maximum in past years, or have made withdrawals in previous years, you may have additional contribution room available. Generally, your TFSA contribution room is made up of the TFSA dollar limit for the year, any unused TFSA contribution room from the previous years, and any withdrawals made from the TFSA in the previous year. You can check your contribution room through the Canada Revenue Agency’s My Account service.
You can also read about making transfers between TFSAs in this article about TFSA basics.
Also, you can learn5 more about contribution rules through the CRA website.
You may also want to speak to a tax professional about your options for TFSA account contributions.