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Ways to send money
Bank conveniently and confidently almost anywhere with online and mobile banking.
Send money internationally with TD Global TransferTM
An innovative marketplace for TD customers to send international money transfers in more ways to more places. Choose a method that's easy for you and convenient for your recipient.
Benefits of TD Global Transfer
How to send money with TD Global Money Transfer
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1
Have an eligible TD account
Have an eligible TD Canada Trust Canadian or U.S. dollar personal chequing, savings or line of credit account to fund a transaction.
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Know the recipient’s information and details
For bank transfers, you may need a bank account number /IBAN/CLABE/BBAN and SWIFT/BIC/Routing code number for the bank where funds are being sent. Other information may be required.
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4
Get an estimate
Select a destination country, send amount, and choose a transfer method.
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5
Send your transfer
Confirm transaction information and track the status of your transaction using TD Global Transfer transaction history.
Learn more about sending money to international recipients using Western Union, Visa Direct, or TD Global Bank Transfer. View our Digital Banking Tutorials.
Send money to the following countries
You may not be there with them, but you can still be there for them. With TD Global Transfer, you can send hope and support to loved ones almost anywhere in the world6.
TD Global Transfer FAQ’s
Some additional information that may be required for your money transfer include:
- Recipient Account Number (e.g. IBAN, CLABE, BBAN)
- Bank Number (e.g. BIC, Swift, Routing Code)
- Branch ID (Branch Code)
- Tax ID
- Recipient Currency
If you need help filling out the fields for your money transfer, simply select 'Get help finding bank information' on the TD app or hover over the tooltip next to each field (?) in EasyWeb.
If you require additional support, please contact us at 1-844-352-1148.
You may also be required to provide additional documentation outside of the information collected within the TD Global Transfer process. In some rare instances, your recipient may be required to go into a bank and provide this information.
Please note that TD Canada Trust does not have an IBAN (International Standard for Bank Account Numbers) as it's not used by financial institutions in North America. In Canada, Bank Identifier Code (BIC) can also be referred to the Swift Code or Bank Number (004).
TD's international Swift Code is TDOMCATTTOR (applies to all accounts and branch locations).
If you don't have a cheque, don’t worry - the easiest way to get this information is from the pre-filled Direct Deposit form (PDF).
Access that form using EasyWeb.
Access that form using the TD app.
The form will automatically fill in your account's 5-digit Transit (Branch) number, TD’s 3-digit Financial Institution number (004) and 7-digit Account number.
You can send money through TD Global Transfer from the following eligible bank accounts:
- Personal TD Canada Trust Chequing Accounts (CAD and USD accounts supported, though not all methods of transfer support USD
- TD Savings Accounts
- TD Canada Trust Line of Credit and TD Canada Trust Home Equity Line of Credit Accounts
You’ll need a Canadian address in your TD profile when sending to an account with a TD Global Bank Transfer or when sending money for Cash Pick-up with Western Union®. If you are sending money with Visa Direct, international addresses will work.
To send money using your TD USD account you will need to select 'USD' from the drop-down menu when getting your estimates.
You cannot send a TD Global Transfer with Registered Accounts, Small Business Banking Accounts, or Corporate and Commercial Accounts.
If you are unable to register for TD Global Transfer, it may be because you are ineligible for this service at this time. To use the TD Global Transfer, you must meet the following eligibility requirements:
- Have an eligible TD Canada Trust Canadian or U.S account (see above)
- Have no account restrictions, and have an active TD Access Card
- Have a complete Canadian address in your TD profile (cannot have a PO box address)
- Be over 18 years of age
If you require additional support, please contact us at 1-844-352-1148.
How much money you can send will vary depending on the method of transfer you choose. There are also daily, weekly and monthly transfer limits.
Here are some simple steps for how to view your transfer limits:
There are no limits to the number of transfers you can send each day, as long as their total dollar value does not exceed the maximum dollar amount allowed in the time period noted above.
Depending on the method of money transfer, the estimated arrival time for your transfer will differ, and will be displayed to you during your transfer and on the transfer receipt.
If your money transfer hasn’t arrived in the specified estimated delivery time, please check the status of the transfer, ask your recipient to contact their local institution regarding their transfer, or please call TD at 1-844-352-1148.
There could be a number of reasons your recipient hasn't received their bank transfer within the expected timescale, including:
- We may require extra information from you, before your transfer is processed.
- We may need extra information from the recipient (such as ID).
Failure to respond to our request for more information may result in your transaction being rejected. If your transaction is rejected for whatever reason, you can expect the money to return to your account in 3-5 business days.
Please ensure you are entering in the correct information to ensure your transaction is processed within expected delivery times.
To cancel your Western Union® Money TransferSM simply follow these steps:
EasyWeb
- Log in to EasyWeb
- Select TD Global Transfer in the left-hand menu to see a list of recent transactions
- Select the Transaction Details, of the Western Union® Money TransferSM you want to cancel
- Select Cancel Transfer from the options
A Western Union® Money TransferSM cannot be cancelled within the first hour of being sent, when the transaction is being validated, or after recipient has picked up their funds.
Once the transfer has been cancelled, it can take up to 5 business days for funds to be returned to your account. If it’s taking more than 5 days, don’t hesitate to call us at 1-844-352-1148.
Also, after you send to an eligible card or a recipient’s bank account and it has been confirmed, it cannot be cancelled.
The fees for sending a TD Global Transfer will depend on the country you’re sending to, as well as the method of money transfer you select.
These fees will be displayed to you after you select get estimate on the Quote page. You will be able to compare fees across the methods of money transfer. You can also access information about TD Global Transfer fees in the About our Accounts section of the TD website:
Please note that there may be some additional charges and taxes that are applied by the country where you send money and deducted from the recipient's amount. These charges will be outlined in the 'Important Information' section when you send your money transfer and affect the amount that the recipient will receive.
TD does not charge any additional fees on top of the transfer fees you will see when submitting your money transfer. Please note, the fees for a cash pick-up transfer are charged by Western Union.