TD Bank international transfer: Fees and Rates Revealed 2026

You can set up a TD Bank international transfer online, or by visiting your local TD Bank branch. If you want to know more about how to transfer money internationally with TD Bank Canada, this guide has you covered. We’ll look at how to arrange a TD Bank international payment, the fees, limits and exchange rate.

TD Bank is one of the largest banks in Canada - but that doesn’t mean it’s the best available option for sending an overseas transfer. Specialist services like Wise and OFX may be able to offer a cheaper, faster and more convenient option.

TD Bank international money transfer comparison

You’ve got a few different options when you transfer money abroad with TD Bank. However, in each case there are a few different costs you’ll want to know about:

• Transfer fee - upfront fee, varies depending on how you arrange your payment

• Exchange rate markup - a percentage rolled up in the exchange rate

• SWIFT fees - third parties involved in processing your transfer may deduct charges as they pass it through the SWIFT network

To give an idea of how TD Bank compares with other payment services, let’s look at an example. Here’s what you’d pay if you were sending a standard online transfer of 1,000 CAD to a USD denominated account, with TD Bank and Wise as an example of the options available from specialist services.

*Details correct at time of research - 14th November 2025

As you can see, in this example the recipient gets more with Wise even though the transfer fee with TD Bank is waived.

With TD Bank international money transfers you might pay an exchange rate markup which is tricky to spot, and may be liable for intermediary charges which you won’t always know about in advance. Wise uses the mid-market rate instead, and splits out all the costs involved so you can see what you’re paying easily.

Instead of using TD Bank you might be better off with specialist services like Wise and OFX, which tend to have more transparent charges. They’re also easy to use with an intuitive online and in-app service.

TD Bank international transfer fees

TD Bank Canada offers the option to send money overseas using an international transfer which is then deposited directly into the recipient’s bank for convenience. You can also opt to send money for cash collection via TD Bank’s partnership with Western Union, or to send your money right to a Visa debit card in some cases. Fees for these services vary.

Here’s what you need to know about TD Bank international bank transfer fees:

*Details correct at time of research - 14th November 2025

TD Bank exchange rate

When you send a payment overseas with TD Bank you’ll be purchasing the currency at the prevailing TD Bank exchange rate. That is unlikely to be the same as the rate you’ll find if you use a currency converter tool or a Google search. Google will show you the mid-market exchange rate - but bank exchange rates tend to have a markup or margin added, to cover transaction costs and boost the bank’s profits.

Bank markups vary depending on the currency and the specific payment type. However, you’ll commonly find a markup of about 3%. To see the markup for your payment you’ll need to compare the TD Bank international transfer exchange rate against the Google rate yourself.

 To give a picture, here’s how a 3% markup would mount up on a few different transfer values:

• Sending 1,000 CAD - the exchange rate markup adds 30 CAD to the total

• Sending 5,000 CAD - the exchange rate markup adds 150 CAD to the total

• Sending 50,000 CAD - the exchange rate markup adds 1,500 CAD to the total

Here’s a reminder of the total costs - including exchange rate markups - from TD Bank alongside some alternative providers.

TD Bank additional fees

In addition to TD Bank’s listed fees, you  may also need to pay third party charges as a result of the payment being processed through the SWIFT network. In SWIFT, your money is passed between 1 to 3 intermediary banks to reach the beneficiary account.

Each intermediary can deduct a service fee as they process the money, which might mean your recipient gets less than you’re expecting in the end.

How long does a TD Bank international money transfer take?

Like most banks TD Bank processes international transfers through the SWIFT network. That’s reliable, but it’s not fast. In fact it can take 5 working days for your money to get where it needs to be. Here’s how that compares to the specialist services we profiled earlier:

*The speed of transaction claims depends on individual circumstances and may not be available for all transactions

More about the alternatives to TD Bank

TD Bank isn’t the right option for every payment. Here are some alternatives you might want to consider instead.

*Details correct at time of research - 14th November 2025

OFX - low cost transfers overseas with 24/7 phone support from dedicated brokers

OFX is a currency specialist with a reputation for excellent service, which offers online, in app and phone transfers from Canada to 170+ countries.

There’s a 15 CAD fee, waived if you’re sending 10,000 CAD or more, and exchange rates may include a small markup.

You can make regular or one off payments, or fix rates with currency risk management products like forward contracts.

• 24/7 personal phone service if you need it

• No fees on payments over 10,000 CAD

• Currency risk management products also available

Wise - send payments with the mid-market rate and low, transparent fees from 0.48%

Wise lets you send money conveniently online or in app, with the mid-market rate and low, transparent fees from 0.48%.

Transfers can be very fast or even instant depending on the payment details.

💡 Plus, you can get large transfer fee discounts and access to a dedicated support team, when you send 20,000 GBP or the equivalent in a month, with per payment limits of up to 1 million GBP or equivalent. Learn more about Wise large amount transfers here.

• Send to 140+ countries with just a phone or laptop

• Low fees from 0.48% and mid-market rates

• Quick delivery times, with in app tracking

XE - send to 130+ countries with convenient online and in app services

XE Money Transfer lets you send to 130+ countries from Canada, with services you can access easily through their dedicated app.

Fees and exchange rates vary but you can always check out the details of your payment in advance to compare your options.

• Low variable fees you can check in app or online before you transfer

• Large and well known company, which also offers historic rate data so you can spot trends

• Send up to 600,000 CAD per payment

Pros and cons of transferring money abroad with TD Bank

TD Bank may not be the best option for your international money transfer. Check out specialist online services like Wise or OFX, which may be able to offer a faster service, with lower fees and a better exchange rate.

How to make an international transfer with TD Bank

You can transfer money overseas with TD Bank online, via your mobile device, or in a branch. If you’re in a branch you’ll benefit from a face to face service - but you’ll pay a higher charge as a result.

Online it’s pretty easy to send a TD Bank international transfer. Here’s how:

1. Log into your online banking and register for TD Global Transfer

2. Enter the destination country and send amount

3. Choose Send to Account

4. Confirm your personal information, select an existing recipient or enter your new recipient details

5. Check everything over and confirm your transaction

What information do you need to make an international transfer with TD Bank?

To send a payment overseas with TD Bank you’ll first have to register your recipient by entering their personal and bank information. Here’s what you need:

• Beneficiary full name and address

• Beneficiary bank account number or IBAN

• Additional information based on the country - like a sort code for the UK or routing number for the US

When you set up your payment, you’ll simply need to select the recipient from your registered recipient list, and add a note to confirm the purpose of the transfer. Depending on the specific payment type you may be asked for more information about the transfer or the source of funds.

TD Bank Transfer limits 

TD Bank international transfer limits mean you can send up to 6,500 CAD online in every 24 hour period.

If you’re unsure of the transfer limit for other payment types you’ll be able to find them by logging into your online banking, and selecting the option: What are my sending limits?

Large amount transfers with TD Bank

TD Bank has a low limit of 6,500 CAD per 24 hour period for digital international transfers. If you want to send more than this, you’re likely to be able to process your payment with TD but you’ll have to visit a branch. This may not be convenient, and you’ll find there are higher fees too. Branch payments with TD Bank cost 50 CAD plus any applicable exchange costs and third party fees.

If you’d rather send your money overseas without needing to visit a branch, check out Wise large transfers. You can send up to 1 million GBP or the equivalent in most currencies, with fast payments, fee discounts on high value transfers, and a dedicated support team to help you every step of the way.

How to send a high amount transfer with TD Bank

If you want to send a high amount transfer with TD Bank you’ll need to visit your local branch. It’s worth calling ahead to double check the documents and information needed for a high value payment.

You may also be able to make a specific appointment with a banker to avoid standing in line when you arrive.

⭐ Find the best and cheapest ways to send large amounts overseas: Compare large international transfer providers here. 🚀

TD Bank supported countries 🌎

TD Bank international payments can be sent to 200+ countries and territories around the world.

How to receive an international transfer with TD Bank

Here’s what you need to do to receive an international transfer with TD Bank:

1. Gather the information needed to receive a payment (details below)

2. Pass your account information to the sender

3. Agree who will pay the fees

4. The sender can initiate the transfer and the money will be deposited to your account

TD Bank SWIFT code

SWIFT codes (also called SWIFT/BIC codes) are like postal codes for international payments. They’re assigned to banks to make sure money moves safely across borders and ends up in the right destination account.

Give the TD Bank SWIFT code to anyone sending you money from overseas, to make sure the payment can be processed securely.

🏦 The TD Bank SWIFT/BIC code is: TDOMCATTTOR

Check our other guides on TD Bank:

• TD Bank foreign currency account

• Alternatives to TD Bank USD accounts

Fees to receive international transfers with TD Bank

💡 When you receive international transfers with TD Bank you’ll pay an incoming wire fee of 17.5 CAD.

TD Bank incoming transfer limits 

TD Bank does not detail any incoming transfer limits. If you’re expecting a large payment it may be worth calling your local branch to check there are no restrictions on your account which may cause the payment to be delayed or rejected.

📞 TD Bank customer service for international transfers

Need help? Here’s who to get hold of TD Bank customer service for international transfers:

• Phone (English) - 1-866-222-3456

• Phone (French) - 1-800-895-4463

• Messaging or chat - EasyWeb on your desktop for messaging services, or use the TD app

Conclusion

While sending TD Bank international money transfers shouldn’t be tricky, it can be expensive. That’s because TD Bank overseas payments can attract several different fees including an exchange rate markup and third party costs. As they’re processed through the SWIFT network they can also be pretty slow, taking about a week to arrive in some cases.

Instead of using TD Bank, why not check out alternative online and in app services like Wise and OFX. You might find you can get your money moving faster, and for a far lower overall fee.

Send money with Wise

Send money with OFX

FAQ

How much does a TD Bank international transfer cost?

TD Bank international transfer fees online have no transfer fee but may attract an exchange rate markup and third party fees. Branch fees are higher at 50 CAD per payment.

How long does a TD Bank international money transfer take?

TD Bank international transfers can take up to 5 working days to arrive.

How to transfer money internationally with TD Bank?

Send a TD Bank international transfer online by logging into online banking or by visiting a branch.