Swift Code (BIC) - NRTHUS33 XXX - TD BANK, N.A.
What is a SWIFT code?
SWIFT codes are used to identify banks and financial institutions worldwide. They are used by the swift network to transmit wire transfers (money transactions) and messages between them. For international wire transfers, swift codes are always required in order to make transactions secure and fast.
These codes were initially introduced by the SWIFT organization as “swift codes” but were later standardized by the International Organization for Standardization (ISO) as “BIC” meaning “Business Identifier Codes”. Most people think B.I.C. stands for “Bank Identifier Codes” (“bank” instead of “business”) but that is incorrect since non-financial institutions can also join the swift network.
A “BIC code” can be seen by many different names, like “SWIFT code” (most common), “SWIFT ID”, “SWIFT-BIC”, “SWIFT address”, “BEI” (that comes from “Business Entity Identifier”), or even “ISO 9362”, which is the standard format that has been approved by the ISO organization. The acronym SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication.
In depth analysis of a swift code
Swift codes are broken down into sections, in the same way telephone numbers are broken into sections, and every section reveals some information about the institution that was assigned this code. They consist of eight or eleven characters. Whenever an eight-character code is used, then it is referring to the headquarters (main office) of the institution.Here is how an 11-character code is broken down and what each section of characters represents. Let's take this imaginary 11-character swift code:
It can be broken down to these sections:
Section 1 (the first 4-characters “AAAA”): This code is used to identify the institution’s global presence (all branches and all divisions around the world). For example, “CHAS” is used for “JPMORGAN CHASE BANK”
Section 2 (5th and 6th characters “BB”): This two-letter code represents the country of this particular institution’s branch and follows the ISO 3166-1 alpha-2 standard for representing country codes. For example, “US” for “UNITED STATES”, “GB” for “UNITED KINGDOM”, CA for “CANADA”, etc.
Section 3 (7th and 8th characters “CC”): These characters represent a location code (e.g. “FF” is the code for “Frankfurt”, “KK” is the code for Copenhagen, etc.) and also the second character (8th in the B.I.C.) sometimes carries this information:
- If it is equal to “0”, then it typically is a BIC assigned for testing purposes (as opposed to a BIC used on the live network).
- If it is equal to “1”, then it denotes a passive participant in the SWIFT network.
- If it is equal to "2", then it typically denotes a “reverse billing” BIC, meaning that the recipient of the message has to pay for the message.
Section 4 (9th to 11th characters “DDD”): These final three characters form a “branch code” that refers to the particular branch of the institution. If this section is omitted, then we have an 8-character swift code that is assumed to refer to the HEAD OFFICE of the institution. Also, a typical naming convention is that in the case we are referring to the main offices of an institution, this branch code is “XXX”.
Some popular swift code searches:
Try our online SWIFT/BIC lookup tool to locate any of the thousands active or passive swift codes. Our primary focus is to provide you with the most accurate and up to date database of financial institutions all over the world. You can search for an institution’s detailed data by entity name, BIC, or even specific keywords that narrow the search results even more. You can also browse for swift codes by clicking on the list of countries and then choosing the institution's name from the alphabetical list.
We are certain that this site will help you save a lot of time (hence... money!), especially if you are dealing with lots of bank transactions daily. Please read our disclaimer at the bottom of this page before using our online tool.
TD Bank Swift Code (BIC)
Home > TD Bank > Swift Code (BIC)
Basic InfoReviewsHistoryRouting NumbersSwift CodeLocationsOversea Location
|TDOMGB3L||TORONTO-DOMINION BANK (THE)||LONDON||UNITED KINGDOM|
|TDOMGB31CAR||TORONTO-DOMINION BANK (THE)||LONDON||UNITED KINGDOM|
|TDOMGB2L||TORONTO-DOMINION BANK||LONDON||UNITED KINGDOM|
|EUOPGB21||TD BANK EUROPE||LONDON||UNITED KINGDOM|
|NRTHUS33||TD BANK, N.A.||MOUNT LAUREL,NJ||UNITED STATES OF AMERICA|
|TDOMNL2A||TD BANK N.V.||AMSTERDAM||NETHERLANDS|
|TDOMCATT||TORONTO-DOMINION BANK, THE||TORONTO||CANADA|
|TDOMCATTCAL||TORONTO-DOMINION BANK, THE||CALGARY||CANADA|
|TDOMCATTMTL||TORONTO-DOMINION BANK, THE||MONTREAL||CANADA|
|TDOMCATTTOR||TORONTO-DOMINION BANK, THE||TORONTO||CANADA|
|TDOMCATTVAN||TORONTO-DOMINION BANK, THE||VANCOUVER||CANADA|
Swift code is a Business Identifier Code (BIC). It is a unique identification code for business, mostly financial institutions. Some financial institutions have more than one Swift Codes for different purposes. These codes are used when transferring money between banks, particularly for international wire transfers, and also for the exchange of other messages between banks. SWIFT is the registered trademarks of the Society for Worldwide Interbank Financial Telecommunication. The latest SWIFT code is available for search at www.swift.com/bsl/.
International Resource Center
How do I make a payment to a recipient overseas?
There are two main methods: sending an international wire transfer or purchasing a foreign draft. International wire transfers are typically sent out over an international communications system known as SWIFT, and settlement is arranged between individual banks. A foreign draft is like a cashiers check in local currency drawn on an account maintained by TD Bank.
What is SWIFT?
The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is an industry-owned co-operative providing secure, standardized messaging services and interface software to over 8,000 financial institutions in 200 countries and territories. The SWIFT community includes banks, broker-dealers and investment managers.
What is the fastest method for making an international payment?
A wire transfer is more efficient than a foreign draft as funds are made available sooner. To complete a wire transfer, you must know the banking information of your recipient.
Is sending U.S. dollars the best way to send a payment to an overseas beneficiary?
Generally, it may be beneficial to send your payment in the local currency of the beneficiary (e.g., Pounds Sterling for the United Kingdom). U.S. Dollars sent to an account in a foreign currency will take longer and incur higher bank charges than if you send the local currency.
What is an IBAN?
As Europe is moving to the Single Euro Payments Area (SEPA), the European Union (EU) – as well as Norway, Iceland, Liechtenstein and Switzerland – have made a series of regulatory changes designed to improve straight-through processing of payments and reduce costs.
A key element of this transition is the introduction of the International Bank Account Number, or IBAN – the new domestic account number standard for all retail and commercial banking accounts in the EU. IBANs are assigned by the European banks to their corporate customers and can be found on invoices and/or settlement instructions you receive from your counterparties.
The IBAN consists of up to 34 alphanumeric characters: two characters are used to identify the country in which the counterparty's account resides; two characters are used for check digit verification; and the rest identify the account holding bank and the counterparty's account number.
Why do I need to use the IBAN?
Your wire payments can still be made without an IBAN, but you should ask your European beneficiaries for it and supply it to us with the payment details. Your beneficiaries will be familiar with the request.
Failure to provide the IBAN reduces the opportunity to process the payment straight-through (STP), which may subject you to additional repair charges, and could result in return of the payment.
Who do I contact to arrange a wire transfer in a foreign currency or get a foreign draft?
Your local TD Bank store can assist you with arranging a wire transfer in a foreign currency or obtaining a foreign draft.
What information should I provide to the originator of a foreign (non-U.S. Dollar) wire payment in order to get the money into my account at TD Bank?
Incoming Foreign Currency Wire Payment Instructions
- Correspondent Bank SWIFT Code: TDOMCATTTOR
- Correspondent Bank Name: The Toronto-Dominion Bank, Toronto, Ontario, Canada
- For Further credit to: TD Bank, Store Address: Street, City, State, Country
- In Favor of Beneficiary Account Number: Your TD Bank account number as it appears on your statement
- In favor of Beneficiary Full Name and Full Address: Your name and address as it appears on your TD Bank account statement
Will TD Bank continue to offer international wires? I heard there was a new regulation and that some banks will no longer offer international wire transfer services.
TD Bank will continue to offer international wires.
About the Dodd-Frank Remittance Transfer Regulation The Consumer Financial Protection Bureau has issued new rules to protect consumers who send funds electronically to foreign countries. This rule, known as Dodd-Frank Remittance Transfer is effective as of October 28, 2013, and is intended to provide customers who send international wire transfers more complete information about fees and foreign exchange rates associated with the international wire transfer, as well as disclosure of the date when funds will be made available to the receiving party. The rule also addressed customers' rights in terms of investigation of international wire transfers who may have encountered an issue in the initiation or processing of the international wire transfer. TD Bank, NA, is prepared to comply with the requirements of this new regulation.
When I deposit a check drawn on a bank outside the U.S., how is it cleared?
TD Bank can clear overseas checks in a variety of foreign currencies and U.S. Dollars using TD Bank's network of correspondent banking relationships. Some checks are eligible for immediate provisional credit – until it is finally settled by the issuing bank – while some items must be sent out on "collection" for final payment. Collection items can take some time before payment is settled.
When I travel overseas, how would I make payments for purchases?
Before you leave the country, if you are a TD Bank Customer, you may order foreign currency from your local TD Bank store. While traveling, you can also use your credit card or your TD Bank Visa® Debit Card to make purchases or to get cash at an ATM.
TD BANK, N.A., Mount Laurel, Nj - SWIFT/BIC Code
|SWIFT Code / BIC||NRTHUS33|
|Money Transfer||Save on international fees by using Wise, which is 5x cheaper than banks.|
|Receive Money||Get paid at the real exchange rate by using Wise.|
|Bank / Institution||TD BANK, N.A.|
|Address||6000 ATRIUM WAY|
|City||MOUNT LAUREL, NJ|
|SWIFT Code||NRTHUS33 or NRTHUS33XXX|
|Bank Code||NRTH - code assigned to TD BANK, N.A.|
|Country Code||US - code belongs to United States|
|Location & Status||33 - represents location, second digit '3' means active code|
|Branch Code||XXX or not assigned, indicating this is a head office|
What is a SWIFT Code?
A SWIFT Code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers. Banks also use these codes for exchanging messages between them.
SWIFT codes comprise of 8 or 11 characters. All 11 digit codes refer to specific branches, while 8 digit codes (or those ending in 'XXX') refer to the head or primary office. SWIFT codes are formatted as follows:
- First 4 characters - bank code (only letters)
- Next 2 characters - ISO 3166-1 alpha-2 country code (only letters)
- Next 2 characters - location code, passive participant will have "1" in the second character (letters and digits)
- Last 3 characters - branch code, optional - 'XXX' for primary office (letters and digits)
The downside of international transfers with your bank
When you send or receive money using your bank, you might lose out on a bad exchange rate and pay hidden fees as a result. That's because the banks still use an old system to exchange money. We recommend you use Wise (formerly TransferWise), which is usually much cheaper. With their smart technology:
- You get a great exchange rate and a low, upfront fee every time.
- You move your money as fast as the banks, and often faster – some currencies go through in minutes.
- Your money is protected with bank-level security.
- You join over 2 million customers who transfer in 47 currencies across 70 countries.
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The registrations of SWIFT codes are handled by Society for Worldwide Interbank Financial Telecommunication (SWIFT) and their headquarters is located in La Hulpe, Belgium. SWIFT is the registered trademark of S.W.I.F.T. SCRL with a registered address at Avenue Adèle 1, B-1310 La Hulpe, Belgium.
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.Cheapest International Money Transfer Swift Codes Recommended
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