What is the TD Bank wire transfer limit?

TD's standard online wire transfer limit for personal accounts is approximately $25,000 per day. Higher limits are available at TD branches or by calling TD EasyLine at 1-866-222-3456. Business accounts typically have higher wire limits. The exact limit depends on your account type and banking history.

How much does a TD wire transfer cost?

TD charges $15–$25 for domestic Canadian wire transfers. International outgoing SWIFT wire transfers cost $25–$50 depending on the destination currency. Receiving an incoming international wire into a TD account may incur a receiving fee of approximately $15. These fees apply in addition to any currency conversion charges.

How long does a TD wire transfer take?

Domestic Canadian wire transfers submitted before TD's business cutoff (typically 3:00 PM ET) are processed the same business day. International SWIFT wires typically take 1–5 business days depending on the destination country and receiving bank's processing timeline.

What SWIFT code does TD use?

TD Canada Trust's SWIFT/BIC code for international wire transfers is TDOMCATTTOR. When receiving an international wire, also provide the sender with your TD branch transit number (5 digits), your 7-digit account number, your full name as it appears on the account, your personal address, and TD's head office address (66 Wellington Street West, Toronto, ON, M5K 1A2).

Can I do a wire transfer from TD EasyWeb?

Yes. Domestic and many international wire transfers can be initiated through TD EasyWeb. Log in, navigate to 'Transfers', select 'Wire Transfer' or 'International Money Transfer', and follow the prompts. New international wire recipients may require additional verification. Very large or complex international wires may require a branch visit.

TD Wire Transfer Limit 2026 — Domestic and International Wire Fees

TD Bank’s standard online wire transfer limit for personal accounts is approximately $25,000 per day. Domestic wire fees are $15–$25; international SWIFT fees are $25–$50. Same-day domestic processing applies if submitted before 3:00 PM ET. International wires take 1–5 business days. TD’s SWIFT code is TDOMCATTTOR.

Quick answer: TD wire limit: ~$25,000/day online. Domestic fee: $15–$25. International fee: $25–$50. Processing: domestic same-day before 3 PM ET; international 1–5 days. SWIFT: TDOMCATTTOR.

TD Wire Transfer Fees and Limits 2026

Wire Type	Online Limit	Fee	Processing
Domestic (Canada–Canada)	~$25,000/day	$15–$25	Same day
International SWIFT (outgoing)	~$25,000/day	$25–$50	1–5 business days
Receiving international wire	No limit	~$15 (receiving fee)	1–5 business days
Branch-assisted wire	Higher limits	Same fees	Same/next day

Wire Transfer vs e-Transfer at TD

Feature	Wire Transfer	e-Transfer
Daily limit	~$25,000	$3,000
Domestic cost	$15–$25	Free / 1 transaction
Speed	Same business day	Minutes
International	Yes	No
Best for	Large or international	Under $3,000, domestic

For domestic transfers under $3,000, Interac e-Transfer is faster and free on most TD plans. Wire transfers are the right tool for large payments, real estate, and international transfers.

How to Send a Wire Transfer via TD EasyWeb

Domestic wire:

Log into TD EasyWeb at easyweb.td.com
Click Transfers → Wire Transfer (Canadian)
Enter recipient name, bank, transit number, institution number, and account number
Enter the amount and select the source account
Review fees and confirm
Submit before 3:00 PM ET for same-day processing

International SWIFT wire:

Log into TD EasyWeb
Click Transfers → International Money Transfer
Enter recipient full name, bank name, SWIFT/BIC, IBAN (if applicable), account number
Enter amount and review exchange rate and fees
Confirm transfer — TD may require a verification code on first transfer to a new recipient

Information to Provide for Incoming Wires to TD

Give this to anyone sending you an international wire:

Field	Value
Beneficiary name	Your full legal name on the TD account
Beneficiary address	Your personal street address
Account number	Your 7-digit TD chequing account number
Bank name	TD Canada Trust
SWIFT/BIC	TDOMCATTTOR
Branch transit number	Your 5-digit transit number
Bank head office	66 Wellington Street West, Toronto, Ontario, M5K 1A2, Canada

Note for US senders: TD does not have a US ABA routing number. US senders must initiate an international SWIFT wire using TDOMCATTTOR.

Currency Conversion on TD International Wires

TD converts your CAD to the destination currency using its retail exchange rate, which typically includes a 2–3% markup over the interbank rate.

Worked example: You wire $10,000 CAD to the USA when 1 CAD = 0.730 USD (interbank). TD’s retail rate is 0.713 USD (~2.3% markup). Your recipient receives approximately USD $7,130 instead of the USD $7,300 available at the interbank rate — a difference of USD $170 ($233 CAD) on this $10,000 wire.

For large international transfers, compare TD’s rate against a foreign exchange specialist to determine whether the fee savings outweigh the convenience of banking in one place.

TD Wire Transfer Safety

Wire transfers are final and difficult to reverse. Take these precautions:

Verify all recipient details independently — do not copy from an email that could have been compromised
Call TD (1-866-222-3456) immediately if you suspect a fraudulent wire was sent
Business Email Compromise (BEC) fraud — criminals impersonate vendors or executives and redirect wire payments; always verify new wiring instructions via a known phone number, not by replying to the email

If you believe you are being defrauded, contact TD immediately and report to the Canadian Anti-Fraud Centre at 1-888-495-8501.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy