TD Banks SWIFT Code Simplifies International Transfers

Published: 09/03/2025
SWIFT Code TD Bank Cross-border Money Transfer
This article provides a detailed overview of TD Bank's SWIFT code (TDOMCATTXXX) in Canada and its application across different branches. It offers practical guidance on international money transfers, including how to choose remittance channels with better exchange rates, lower fees, and faster speeds. Furthermore, it explains how to avoid common SWIFT payment errors, aiming to help users conduct cross-border remittances safely and efficiently. The guide focuses on optimizing the international money transfer process through TD Bank.
TD Banks SWIFT Code Simplifies International Transfers

International money transfers require precise banking information to ensure funds reach their intended destination. For transactions involving Toronto-Dominion Bank (TD Bank) in Canada, understanding the correct SWIFT/BIC code is essential for smooth cross-border payments.

TD Bank's Primary SWIFT/BIC Code: The Financial Identifier

The SWIFT/BIC code serves as a unique identifier for financial institutions in global transactions. TD Bank's primary code is TDOMCATTXXX , which breaks down as follows:

  • TDOM : Bank code (Toronto-Dominion Bank)
  • CA : Country code (Canada)
  • TT : Location code (Toronto headquarters)
  • XXX : Branch code (primary office)

This code represents TD Bank's main processing center at E&Y Tower, Floor 15, 222 Bay Street, Toronto, Ontario, M5K 1A2, Canada.

Regional SWIFT Codes for TD Bank Branches

For more precise routing, TD Bank maintains specific SWIFT codes for major regional branches:

  • Calgary : TDOMCATTCAL (Home Oil Tower, 1201-324 8th Avenue SW)
  • Montreal : TDOMCATTMTL
  • Toronto : TDOMCATTTOR (TD Tower, 55 King Street West)
  • Vancouver : TDOMCATTVAN (Suite 480-200 W. Georgia Street)

When to Use the Primary SWIFT Code

The generic TDOMCATTXXX code suffices for most international transfers to TD Bank accounts when:

  • The recipient hasn't specified a branch-specific code
  • Transactions are processed through TD's central operations
  • You prefer using the most widely recognized identifier

Verification and Best Practices

Financial institutions recommend these precautions for international transfers:

  • Confirm the SWIFT code directly with the recipient or bank
  • Double-check all account details before submission
  • Compare exchange rates and fees across service providers
  • Monitor transfer status and maintain transaction records

Receiving International Payments

Account holders expecting international deposits to their TD Bank accounts should provide senders with:

  • Correct SWIFT/BIC code (branch-specific if available)
  • Full account number including transit and institution numbers
  • Account holder's legal name as registered with the bank

Accurate information helps prevent processing delays and potential return of funds.

Transaction Considerations

International transfers typically involve:

  • Processing times ranging from 1-5 business days
  • Currency conversion fees when applicable
  • Intermediate bank charges in some cases

Understanding these factors helps set realistic expectations for cross-border payments.

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