TD Bank US Exchange Rates and International Transfers

Overview

This review covers TD Bank, N.A., the US retail bank. TD Canada Trust is a separate Canadian retail service with different accounts, transfer products, exchange rates and fees.

TD Bank US customers can arrange a personal international wire at a TD location. The bank supports wires to more than 60 countries and can convert funds using a disclosed TD exchange rate when the recipient account is not denominated in US dollars.

TD also offers more than 40 foreign currencies for cash orders, with online ordering and branch pickup. Standard personal pricing lists $50 for an outgoing international wire and $15 for an incoming wire, while account benefits can provide waivers.

Compare TD Bank US exchange rates from US dollars before confirming an international payment.

Compare TD Bank exchange rates

Use the live comparison below to compare TD Bank with other available services for your transfer.

Best For

• TD Bank US customers who want to arrange an international wire in a branch.
• Customers who want the exchange rate and foreign-currency total disclosed before sending.
• Travellers ordering foreign cash for branch pickup.
• Customers with cross-border banking needs between the United States and Canada.
• TD Beyond Checking customers using an included outgoing wire benefit.

It is less suitable for customers who need a fully digital personal international-wire service.

Pros and Cons

Pros

• International wires can be sent to more than 60 countries.
• TD discloses the exchange rate and foreign-currency total before a converted wire is sent.
• More than 40 foreign currencies are available for cash orders.
• Some premium checking relationships include wire-fee benefits.
• TD offers specific US–Canada cross-border banking services.

Cons

• Personal international wires are arranged through a TD Bank location.
• The standard outgoing international wire fee is $50.
• The standard incoming wire fee is $15.
• Standard debit-card international transactions can incur a 3% fee.
• Taxes, exchange-rate costs and correspondent-bank fees can add to the wire charge.

Fees Summary

The TD Essential Banking Account Guide lists the following standard personal charges.

TD Beyond Checking currently includes one outgoing domestic or international wire fee reimbursement per statement cycle. Confirm the exact benefit for the account before sending.

Exchange Rates and Foreign Currency

For a foreign-currency wire, TD discloses its exchange rate and the foreign-currency amount before sending. The bank does not publish one universal markup, so compare the expected recipient amount with another service for the same route.

Foreign banknotes have separate pricing from electronic transfers. TD says cash orders generally arrive for pickup within two to three business days, though some currencies take longer. Selected locations may stock common currencies for same-day exchange.

Speed

TD does not promise one universal international-wire delivery time. Processing depends on the branch cut-off, destination, currency, intermediary institutions and recipient bank.

Foreign-cash orders are normally available in two to three business days. Call ahead if seeking same-day cash at a selected TD location or foreign-exchange centre.

Cards Abroad

The standard TD Essential account guide lists a 3% international transaction fee for debit-card purchases made in a foreign currency or processed by an international merchant, including certain US-dollar transactions.

Credit-card pricing varies by product. Check the card agreement and pay in local currency when a merchant or ATM offers dynamic currency conversion.

Where conversion is required, the applicable card-network rate may differ from the mid-market rate in addition to any TD issuer fee. Travellers can also compare the Wise debit card, which uses the mid-market rate with a separately disclosed conversion fee; availability and fees vary by country, currency and transaction.

TD Bank US and TD Canada Trust

TD Bank US and TD Canada Trust belong to the same broader group but provide different retail services. A b=USD BER context represents the US bank reviewed here. A b=CAD context can relate to TD Canada Trust and must use Canadian fee and product information.

Do not apply the US $50 wire fee or 3% debit-card fee automatically to a Canadian TD account.

Verdict

TD Bank US combines branch international wires, foreign-cash ordering and cross-border banking services. It is practical for existing customers who want in-person support and a disclosed converted amount.

The standard $50 outgoing wire fee and exchange-rate cost make comparison worthwhile. Customers should also distinguish TD Bank US from TD Canada Trust before relying on any fee or product claim.

Frequently Asked Questions

Can TD Bank US send an international wire online?

TD directs personal customers to book an appointment and send an international wire from a TD Bank location.

How much does TD Bank US charge for an international wire?

The standard personal guide lists $50 outgoing and $15 incoming, with exchange-rate, tax and correspondent costs potentially applying.

Is TD Bank US the same as TD Canada Trust?

No. They are related group entities but have different retail accounts, fees and transfer services.

Methodology and Sources

This review was checked against current TD Bank US foreign-exchange, checking and fee information on 15 July 2026.

Primary sources:

• TD Bank US foreign-exchange services
• TD Essential Banking Account Guide
• TD Bank checking accounts
• TD Bank account guides

Affiliate Disclosure

BestExchangeRates may receive compensation from some services displayed in comparison results. This does not change the rate or fee charged to you. TD Bank is included for comparison and is not represented as an affiliate partner in this review.

Disclaimer: Please note any provider recommendations, currency forecasts or any opinions of our authors should not be taken as a reference to buy or sell any financial product.