TD Bank Wire Transfer: How To Send Money and What Fees To Expect
Written by
Daria Uhlig
Edited by
Nupur Gambhir, CFHC™
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Wire transfers are one of the fastest and safest ways to send money, which is why they’re the standard payment method for major transactions such as home and car purchases.
You can send a transfer through TD Bank’s wire transfer service, using your TD bank account to fund the payment.
How To Send Wire Transfers From TD Bank
To send a domestic or international wire transfer through TD Bank, you’ll have to visit a branch location and provide the information TD needs to get the funds to the right receiving account.
For domestic transfers, bring the following when you go:
- Receiving bank’s name, address and routing number
- Name of the receiving account
- Recipient’s name and complete mailing address
- Recipient’s bank account number
Contact TD Bank at 888-751-9000 to find out the specific information you need to send an international wire transfer. Customer service is available 24 hours a day, seven days a week.
How Much Does It Cost To Send a TD Bank Wire Transfer?
TD Bank charges a fee for incoming and outgoing wires.
| Type of Wire | Fee |
|---|---|
| Receive a wire, domestic and international: | $17.50 |
| Send a domestic or international wires: | $50 |
TD does not list a limit for how much money you can send or receive through a wire limit.
How Long Does a TD Bank Wire Transfer Take?
A domestic wire transfer should only take about a day. An international wire transfer can take several days.
How To Receive a Wire Transfer
If you want to receive a wire transfer to your TD Bank account, provide the sender with the following information:
- TD Bank name and Wilmington, Delaware, as the location
- Routing number 031101266
- Your name
- The number for the account you want to receive the funds
TD Bank makes wired funds available to you the same day the bank receives them.
Alternatives to TD Bank Wire Transfers
For most everyday payments, you don’t need a wire transfer. TD Bank offers several lower-cost alternatives — including Zelle, internal transfers, bill pay, cashier’s checks, and money orders — depending on how much you’re sending and how fast it needs to arrive.
Wire transfers are often unavoidable for large transactions like buying a home, but for smaller or routine payments, cheaper and faster options are usually available.
TD Bank transfer and payment alternatives include:
- TD Bank Internal Transfers. Move money between your own TD Bank accounts, or between your TD account and an external bank account, instantly and at no cost.
- Zelle. A free peer-to-peer payment option built into TD Bank’s app. Ideal for splitting bills or paying friends and family with a U.S. bank account. Transfers typically arrive within minutes.
- TD Bank Bill Pay. Pay virtually any bill directly through online banking, including landlords and billers who don’t accept online payments. A good alternative when you need a paper check sent on your behalf.
- Cashier’s Check. Issued from the bank’s own funds rather than your account, making it guaranteed to clear. Best for large, one-time payments where the recipient requires guaranteed funds.
- Money Order. Available at TD Bank branches, many retail stores, and any U.S. post office. Like a cashier’s check, it can’t bounce because you pay upfront — making it a reliable option when personal checks aren’t accepted.
Which Alternative Should You Use?
| Situation | Best Option |
|---|---|
| Sending money to a friend or family member | Zelle |
| Paying a bill online | TD Bank Bill Pay |
| Large payment requiring guaranteed funds | Cashier’s Check |
| No bank account required by recipient | Money Order |
| Moving money between your own accounts | TD Bank Internal Transfer |
| Large real estate or legal transaction | Wire Transfer |
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Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
