Wire transfers are the right tool when an e-Transfer is too small or not accepted by the recipient — large real estate deposits, international business payments, or sending funds to countries where Interac does not operate. TD supports both domestic and international wires online (up to $50,000/day) and in-branch for any amount. TD All-Inclusive account holders receive domestic wire transfers at no charge as part of their plan.
TD Wire Transfer Limits at a Glance
| Transfer Type | Online Limit | In-Branch Limit | Notes |
|---|---|---|---|
| Domestic (CAD) | $50,000/day | No published cap | Teller discretion; ID required |
| International | $50,000/day | No published cap | AML checks apply |
| TD All-Inclusive clients | Higher (negotiated) | Higher | Free domestic wire included |
| Business clients | Higher (negotiated) | Higher | Contact TD Business Banking |
TD Wire Transfer Fees
| Transfer Type | Fee (approx.) | Notes |
|---|---|---|
| Domestic wire (outgoing) | $25 CAD | Free with TD All-Inclusive |
| International wire (outgoing) | $40–$65 CAD | Varies by currency and amount |
| International wire (incoming) | ~$15 CAD | Charged to receiving TD account |
| Currency conversion | 2.5% FX spread | Applied if converting between currencies |
TD All-Inclusive clients should confirm domestic wire fee waivers at the time of the transfer, as plan features are subject to change.
Processing Times
| Transfer Type | Typical Time | Cut-Off Time |
|---|---|---|
| Domestic CAD wire | Same business day | 4:00 PM ET |
| International wire (US) | 1–2 business days | 3:00 PM ET |
| International wire (UK, EU) | 1–3 business days | 3:00 PM ET |
| International wire (other) | 2–5 business days | 3:00 PM ET |
Wires initiated after the cut-off time are processed the following business day. Weekend and holiday submissions are queued for the next business day.
How to Send a Wire Transfer Through TD EasyWeb
- Log in to TD EasyWeb at easyweb.td.com
- Navigate to Transfers → Wire Transfer
- Select the account to debit
- Choose Domestic or International
- Enter recipient details:
- Full legal name
- Bank name and address
- Transit/routing number (domestic) or SWIFT/BIC code (international)
- Account number or IBAN (where applicable)
- Enter the amount and currency
- Review the fee and exchange rate
- Submit and save the confirmation number
Keep the confirmation number until the recipient confirms receipt.
How to Receive an International Wire at TD
Provide the sender with all five pieces of information:
| Detail | Value |
|---|---|
| Bank name | Toronto-Dominion Bank |
| SWIFT/BIC code | TDOMCATTTOR |
| Your transit number | 5 digits (find in TD EasyWeb) |
| Your account number | As shown in EasyWeb |
| Bank address | Toronto-Dominion Centre, 66 Wellington Street West, Toronto, ON M5K 1A2 |
Missing the bank address — which some international senders overlook — can delay or return the wire.
Wire Transfer vs E-Transfer vs Bank Draft
| Method | Limit | Fee | Speed | Best For |
|---|---|---|---|---|
| Interac e-Transfer | $3,000/transaction | $0 (most plans) | 30 min | Everyday payments |
| Domestic wire | $50,000+ | $25 (free on All-Inclusive) | Same day | Large CAD payments |
| International wire | $50,000+ | $40–$65 | 1–5 days | Cross-border payments |
| Bank draft | Up to account balance | ~$10 | Immediate | Guaranteed payment |
For most personal transactions under $3,000, an e-Transfer is simpler and free. A wire transfer is worth the fee when the amount exceeds e-Transfer limits, the recipient is outside Canada, or same-day settlement is required.
In-Branch Wire Transfers
For amounts above the $50,000 online daily limit, initiate the wire at any TD branch:
- Bring government-issued photo ID
- Provide the recipient’s full banking details in writing
- A teller processes the wire and provides a receipt
TD’s extended hours — many branches open until 8 PM on weekdays — make in-branch wire submissions more accessible than at most other Big 5 banks, particularly for clients who cannot visit during standard business hours.