If you're planning to send an international wire transfer to TD Bank (Toronto-Dominion Bank) in Canada, ensuring you use the correct SWIFT/BIC code is crucial for a smooth transaction. This guide provides detailed information to help you navigate the process with confidence.
TD Bank’s Primary SWIFT/BIC Code
The primary SWIFT/BIC code for TD Bank is TDOMCATTXXX . However, this is just the starting point. TD Bank operates numerous branches across Canada, and specific services or branches may require alternative codes. Verifying the correct code with your recipient or the bank is essential to avoid delays or errors.
Details for TDOMCATTXXX
- Bank Name: The Toronto-Dominion Bank (TD Bank)
- SWIFT Code: TDOMCATTXXX
- Bank Address: E and Y Tower, Floor 15, 222 Bay Street
- City: Toronto
- Country: Canada
When to Use TDOMCATTXXX
Consider using TD Bank’s primary SWIFT/BIC code in the following scenarios:
- Sending an international transfer to a TD Bank account in Canada.
- The recipient has not provided a specific branch code.
- TD Bank processes international payments centrally.
- You need a widely accepted default code.
Branch-Specific SWIFT/BIC Codes
Some TD Bank branches have unique SWIFT/BIC codes. Below are examples for major locations:
- Calgary: TDOMCATTCAL (Home Oil Tower, 1201-324 8th Avenue S.W, Calgary, Alberta, T2P 2Z2)
- Montreal: TDOMCATTMTL (Montreal, Quebec)
- Toronto (Downtown): TDOMCATTTOR (Toronto Dominion Tower, 55 King Street West and Bay Street, Toronto, Ontario, M5K 1A2)
- Vancouver: TDOMCATTVAN (Suite 480-200 W. Georgia Street, Vancouver, British Columbia, V7Y 1A2)
- Toronto (Head Office): TDOMCATTXXX (E and Y Tower, Floor 15, 222 Bay Street, Toronto, Ontario, M5K 1A2)
Note: This is not an exhaustive list. Always confirm the correct code with the recipient or TD Bank.
Ensuring a Successful Transfer
To minimize errors, provide the following details accurately:
- The correct SWIFT/BIC code (confirmed with the recipient or bank).
- The recipient’s account number (double-check for accuracy).
- The recipient’s full name and address (as registered with the bank).
- TD Bank’s official name and address.
- The transfer amount and currency.
- The purpose of the transfer (if required by your bank).
Avoiding Delays in International Transfers
Follow these tips to ensure timely processing:
- Verify all details with the recipient or TD Bank before initiating the transfer.
- Choose a transfer method that aligns with your urgency (e.g., wire transfers are faster but may incur higher fees).
- Submit transfers during TD Bank’s business hours to expedite processing.
- Inquire about intermediary bank fees, which may apply for certain transactions.
The Role of SWIFT/BIC Codes
SWIFT/BIC codes (Society for Worldwide Interbank Financial Telecommunication / Bank Identifier Code) serve as unique identifiers for financial institutions globally. These codes ensure funds are routed correctly during international transfers.
Final Considerations
Accurate information is the key to a seamless international wire transfer. Cross-check all details with the recipient or TD Bank to avoid complications. If uncertainties arise, consulting TD Bank directly can provide clarity and prevent errors.