TD Bank SWIFT Code: TDOMCATTTOR

TD Bank SWIFT Code: NRTHUS33

TD Bank's SWIFT code is NRTHUS33 — the identifier used by international banks to route wire transfers to TD Bank, N.A. in the United States.

What Is the TD Bank SWIFT Code?

The TD Bank SWIFT code is NRTHUS33. It is the primary SWIFT/BIC code for TD Bank, N.A. and applies to all international wire transfers sent to TD Bank accounts in the United States. You may also see it written as NRTHUS33XXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

TD Bank also has a Canadian counterpart: TDOMCATT is the SWIFT code for Toronto-Dominion Bank in Canada. These are separate entities with separate codes. If you're wiring to a U.S. TD Bank account, use NRTHUS33. If you use TDOMCATT by mistake, the wire will not reach a U.S. account.

TD Bank US vs TD Bank Canada: SWIFT Code Differences

TD Bank, N.A. and Toronto-Dominion Bank are related institutions — TD Bank, N.A. is a U.S. subsidiary of Toronto-Dominion Bank — but they operate as separate legal entities under separate banking systems with separate SWIFT codes.

• NRTHUS33 — TD Bank, N.A. United States accounts only
• TDOMCATT — Toronto-Dominion Bank, Canadian accounts only

This distinction causes real problems for cross-border business transfers. A Canadian business wiring USD to a U.S. TD Bank account from a Canadian bank may assume the two institutions share an identifier — they don't. A wire sent to TDOMCATT intended for a U.S. account will land in the wrong system and either be returned or require manual intervention to redirect.

The same applies in reverse: a U.S. business wiring to a Canadian Toronto-Dominion account should use TDOMCATT, not NRTHUS33.

If your business operates on both sides of the U.S.-Canada border and maintains accounts at both institutions, make sure every sender has explicit instructions specifying which code corresponds to which account. Labeling your wire instruction documents clearly — "TD Bank U.S. — NRTHUS33" and "TD Bank Canada — TDOMCATT" — prevents the most common version of this mistake.

How to Receive an International Wire at TD Bank

To receive an international wire into your TD Bank U.S. account, give the sender the following:

• Bank name: TD Bank, N.A.
• SWIFT/BIC code: NRTHUS33
• Bank address: 1701 Route 70 East, Cherry Hill, NJ 08034
• Account number: Your full TD Bank account number
• Account holder name: Your full legal name or registered business name
• Account holder address: Your address on file with TD Bank

For non-USD transfers, TD Bank may route the wire through a correspondent bank before funds reach your account. Ask your sender to confirm with their bank whether an intermediary is required for the specific currency and originating country. Missing correspondent bank details is the most common reason international wires to TD Bank accounts are delayed or returned.

TD Bank SWIFT Code vs Routing Number

TD Bank's routing number varies by state. Common ones include 011103093 for Maine and 026013673 for New York, among others — but all U.S. routing numbers only function within the domestic banking system.

Use the routing number for: Domestic ACH transfers, U.S. payroll, check processing, domestic wire transfers between U.S. banks.

Use the SWIFT code for: Any wire transfer originating from a bank outside the United States.

One distinction worth flagging: TD Bank uses different routing numbers for ACH transfers and domestic wire transfers depending on the state. If a domestic wire is failing, confirm you're using the wire-specific routing number for your state rather than the ACH routing number. For international transfers, that distinction is irrelevant — NRTHUS33 is what the sender needs regardless of which U.S. state your account is in.

Outgoing International Wires from TD Bank

To send an international wire from your TD Bank account, you'll need the following about the recipient:

• Recipient's full name or registered business name
• Recipient's account number or IBAN
• Recipient bank's SWIFT/BIC code
• Recipient bank's name and address
• Transfer amount and currency

TD Bank supports outgoing wires in multiple currencies and can send to most countries that participate in the SWIFT network. Cutoff time for outgoing international wire processing is generally 4:00 PM ET on business days. Wires submitted after that window are processed the following business day.

TD Bank charges fees for outgoing international wires — typically in the $40 to $50 range for business accounts — plus a foreign exchange spread on non-USD transfers. Processing takes one to five business days depending on the destination country, currency, and whether a correspondent bank is involved.

Common Mistakes with TD Bank International Transfers

Using the Canadian SWIFT code for a U.S. account. TDOMCATT routes to Toronto-Dominion Bank in Canada, not TD Bank, N.A. in the U.S. A wire sent to the wrong code will not reach its destination. Always confirm whether the intended account is U.S. or Canadian before sharing wire instructions.

Using the ACH routing number for a domestic wire. TD Bank's ACH and wire routing numbers differ by state. A domestic wire submitted with the ACH routing number may fail or be delayed. Check TD Bank's routing number lookup for the correct wire-specific number for your state.

Missing intermediary bank information for non-USD transfers. TD Bank doesn't maintain direct correspondent relationships with every international bank. For foreign currency wires, a correspondent bank is often required in the middle of the transaction. The sender's bank is responsible for identifying the correct intermediary — confirm this before the wire is initiated.

Providing NRTHUS33 when the sender needs TDOMCATT. If your business has accounts at both TD Bank U.S. and TD Canada, sloppy wire instructions are a genuine operational risk. Label each set of instructions explicitly and keep them separate.

How Slash Helps

TD Bank has strong retail banking infrastructure across the U.S. East Coast and a natural connection to Canada given its parent company. For businesses that operate in both markets, it's a logical primary bank — but operating cross-border means managing expenses in multiple currencies, paying vendors in CAD and USD, and tracking spend across a team that may be split between countries.

Slash runs alongside your TD Bank account. Receive international wires and manage treasury in TD Bank as usual. Use Slash for operational spend: virtual cards with per-vendor limits, real-time transaction visibility across your team regardless of geography, cashback on business expenses, and international card spend without foreign transaction fees. For businesses that routinely deal with U.S.-Canada cross-border payments, Slash removes the friction that comes with relying on a traditional bank for every transaction.