Toronto Dominion Bank, The SWIFT/BIC code

TDOMUS4H – the SWIFT/BIC code of Toronto Dominion Bank, The

If an invoice shows TDOMUS4H or TDOMUS4HXXX, you are looking at the same identifier for Toronto Dominion Bank, The in United States. Banks worldwide use BIC codes to route international transfers to the correct bank. It comes up mainly when dealing with payments that cross a border or a currency.

We wrote this page to help people who sends money to an account at Toronto Dominion Bank, The. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Sending money abroad from Toronto Dominion Bank, The

If you send money to another country via Toronto Dominion Bank, The, the fee you see is rarely all of the cost. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup.

That exchange rate margin tends to be the biggest item. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, it is worth to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Toronto Dominion Bank, The – you pay the provider from your own account.

About this information

The details on this page are taken from publicly available data that we update regularly. Banks merge, close branches and retire codes, and a directory never catches every change immediately. Counts and locations are from our own dataset.

Treat this page as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is a comparison site and not part of Toronto Dominion Bank, The. Spotted an error? Tell us through the contact page so we can correct it.

Verifying the SWIFT code of Toronto Dominion Bank, The

The most reliable place for the correct BIC remains paperwork issued by the bank. If the code you have does not match TDOMUS4H or TDOMUS4HXXX, stop and ask – contact the recipient or Toronto Dominion Bank, The.

With a wrong code, the payment may get stuck, bounce back or end up costing more. Do not forget the IBAN: an error there is more difficult to undo than a wrong BIC.

Most online banking apps check the structure of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a name check on the recipient gives extra certainty. Sending a small amount first is worth it for large sums.

Paying into Toronto Dominion Bank, The in USD

United States uses the US Dollar, with the currency code USD. A payment in a foreign currency will be exchanged into USD before it reaches the account. There is rarely a separate charge for the conversion.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Transferring the money directly in USD usually prevents a second conversion, provided the rate you get is fair.

The USD rate changes throughout the day, so the amount you see is usually only valid for a short time. For regular payments, small differences in the rate make a real difference over a year.

Scams that use SWIFT codes

Stay alert if a contact unexpectedly asks you to pay into another account abroad. That TDOMUS4H is a real code does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Never trust contact details in the same message that contains the change. Pressure and secrecy are red flags – a real supplier can wait a day. If money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to refund the extra to a new account. A payment confirmation from the sender is no proof.

Toronto Dominion Bank, The: head office code versus branch codes

Toronto Dominion Bank, The has 2 separate SWIFT/BIC codes across 2 locations. One of them is the head office code, TDOMUS4HXXX; the rest identify branches, and sometimes specific services.

If nobody asks you for a branch code, use TDOMUS4HXXX or its short form TDOMUS4H. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes can change over time, so do not rely on old paperwork.

What to give a sender who pays you at Toronto Dominion Bank, The

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code TDOMUS4HXXX (or TDOMUS4H) and, often, your address.

It helps to add Toronto Dominion Bank, The and its city as well, since some forms ask for it. Double-check every detail before you send them.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Fees for incoming transfers differ from bank to bank – the price list of Toronto Dominion Bank, The tells you what applies. Agree with the sender who pays which costs before the money is sent.

How long does an international transfer to Toronto Dominion Bank, The take?

How quickly a transfer reaches Toronto Dominion Bank, The depends on several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or just before a weekend or public holiday usually start a business day later. Occasionally a bank wants to know about the purpose of a payment before releasing it.

If a transfer is delayed, ask the sending bank for the status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often show tracking in their app showing where the payment is.

If a payment has not arrived within the expected time, the person who paid should contact their own bank rather than Toronto Dominion Bank, The. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

8 or 11 characters: TDOMUS4H versus TDOMUS4HXXX

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, the next two give the country and the two after that indicate the location. That gives you TDOMUS4H.

XXX at the end of TDOMUS4HXXX does not stand for a missing value or an error: it indicates the head office of Toronto Dominion Bank, The. Some forms ask for 11 characters, in which case you can enter XXX behind TDOMUS4H.

In practice the code is typed in capitals. A single character may route the money to a different institution, so check it twice.