Toronto Dominion Bank SWIFT/BIC code

What TDOMGB41 means for a payment to Toronto Dominion Bank

The short code TDOMGB41 and the full code TDOMGB41XXX identify one and the same institution: Toronto Dominion Bank in London, United Kingdom. A BIC has a single purpose: it ensures that an international payment reaches the right bank. In practice you usually see the code on invoices from abroad, in your banking app and in the bank details of Toronto Dominion Bank customers.

On this page you can read what the code is put together, when you need it and what else you need for a transfer to or from Toronto Dominion Bank. Remember that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

Sending GBP to Toronto Dominion Bank

The local currency of United Kingdom is the British Pound (GBP). If you send another currency, the amount gets converted somewhere along the way. Every conversion costs something, even when no fee is shown.

Which bank converts the money makes a difference, because each party uses its own rate. Transferring the money directly in GBP usually avoids an extra conversion at the receiving end, provided the rate you get is fair.

The rate for GBP fluctuates constantly and quotes are often valid only for a short time. On larger amounts, even small difference in the rate adds up quickly.

Getting paid from abroad into a Toronto Dominion Bank account

For an international payment at Toronto Dominion Bank, the sender needs more than the BIC. The basics are: the account holder’s name, account number or IBAN, TDOMGB41XXX or TDOMGB41 and, for some countries, your postal address.

Their bank may request the address of your bank; the head office in London is usually fine. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

An incoming payment does not always arrive in full. Fees for incoming transfers vary per bank. On invoices, you can agree how the fees are split.

How to check TDOMGB41 before you pay

Ask the recipient to copy the bank details straight from their banking app. Compare that code against TDOMGB41 on this page.

If the code is wrong, the payment may get stuck, bounce back or cost extra, and tracing it can take weeks. Remember the account number: an error there can be harder to correct than a wrong code.

Many banking apps check the format of an IBAN and some suggest the matching BIC. More and more banks compare the name against the account – do not ignore a mismatch warning. When you pay someone new, some people send a small amount first before sending the rest.

TDOMGB41 or TDOMGB41XXX – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. The result is TDOMGB41 for Toronto Dominion Bank.

XXX at the end of TDOMGB41XXX does not stand for a placeholder or an error: it indicates the main office of Toronto Dominion Bank. Some forms insist on 11 characters, in which case you simply enter XXX after TDOMGB41.

Do not add spaces or dashes when you type TDOMGB41 or TDOMGB41XXX. Watch for the letter O and the digit 0 or I versus 1.

Choosing between the 2 SWIFT codes of Toronto Dominion Bank

We have 2 SWIFT/BIC codes for Toronto Dominion Bank. Besides the head office code TDOMGB41XXX, you will find codes for regional offices and specialised units.

Unless the recipient tells you otherwise, go with TDOMGB41XXX. If you have been given a specific code, stick to it instead of replacing it with the head office code.

Unsure which code to use? Check with the recipient or the bank itself. Codes for branches are more likely to be retired than the head office code.

SEPA payments and the Toronto Dominion Bank BIC

Inside SEPA, euro transfers to an account in United Kingdom use common rules and in most cases need only the IBAN. A field for the BIC is usually optional or missing for those payments.

You will still need TDOMGB41XXX when sending payments in other currencies or transfers from countries outside SEPA. A few banks and apps also ask for the BIC; if so, fill in TDOMGB41 or TDOMGB41XXX.

Instant euro transfers have become widely supported within SEPA. Provided no currency is converted, a SEPA transfer is inexpensive; it is the conversion that costs money.

What a transfer from Toronto Dominion Bank abroad really costs

An international bank payment costs rather more than the fee suggests. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate when the money is converted.

That exchange rate margin tends to be the biggest cost, and it is easy to miss. Check the rate you are offered against the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services frequently offer rates closer to the mid-market rate. GoldexPay compares these services next to each other so you can see what actually arrives. Using a transfer service does not require leaving Toronto Dominion Bank: you simply pay the service from your account.

A note on our data

We gather bank codes from public sources and check them from time to time. Banks merge, change names and retire codes, and a directory never catches every change immediately. The figures on this page are based on what is in our directory, not official figures from Toronto Dominion Bank.

Treat the information here as a helpful check and rely on the recipient or Toronto Dominion Bank for the final confirmation. GoldexPay is independent of Toronto Dominion Bank, we only compare transfer services. Found an error? Let us know via our contact form so we can correct it.

Tracking a transfer to or from Toronto Dominion Bank

There is no fixed answer for international payments: many land the same day or the next. Transfers sent late in the day or on weekends and holidays often start a business day later. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique transaction reference, the UETR that banks can use to trace it. Save the payment confirmation – you will need it for any trace request.

The bank that sent the money is able to request a trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your statements to see a slightly lower amount because fees can reduce the amount.

Watch out for payment fraud

A common scam works like this: an email arrives with a request saying that a company now has new bank details and that the next payment should go there. That TDOMGB41 is a real code is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Never rely on contact details in the same message that announces the new account. Pressure or secrecy tend to be red flags – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and have them start a recall.

Scams can also work the other way. Someone claims to have sent more than agreed and wants you to return the difference via a different route. A screenshot of a transfer proves nothing.