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The short answer
A TD Bank wire to Nigeria is a standard SWIFT wire: you give TD the receiver's exact name and address, the Nigerian bank's name, address and SWIFT code, the account number and the purpose. We could not open TD's fee schedule in October 2026, so check the outgoing international wire fee there or on the wire screen; for comparison, Bank of America lists $45 for an international wire in US dollars, and NerdWallet puts the median at $45.
How a TD wire to Nigeria works
TD Bank, the US arm of the Canadian TD group, sends international payments as SWIFT wires from your TD account. The money leaves TD, may pass through one or more correspondent banks in the US, and reaches the Nigerian bank, which credits the receiver. Each step can take time and, sometimes, a fee.
We tried to open TD's own wire and fee pages for this guide in October 2026 and could not load them, so this guide sets out what any US bank wire to Nigeria needs, how the costs are made up, and what to confirm with TD before you send. Where we give figures for other banks, they are labelled.
Steps
- Ask the receiver for their bank's instructions for incoming foreign transfers, in writing.
- Decide the currency. Most Nigerian banks publish instructions for receiving US dollars into a domiciliary account; ask TD whether it can send in naira at all.
- Check whether TD lets you send international wires online or in the app on your account; if not, book a branch visit and take photo ID.
- Enter the details exactly, including the purpose.
- Read the disclosure before you approve: fee, exchange rate if any, amount to be delivered and availability date.
- Keep the receipt and the wire reference. If the wire stalls, the Swift UETR, a 36-character reference carried by every SWIFT payment, lets any bank in the chain locate it.
The details TD will ask for
| Field | Example of what to enter |
|---|---|
| Beneficiary name | Name exactly as on the Nigerian account, in the same order |
| Beneficiary address | Full address in Nigeria with town and state |
| Account number | The 10-digit number of the dollar account for a USD wire |
| Bank and SWIFT | For example Fidelity Bank Plc, FIDTNGLA |
| Intermediary bank | If the form asks, the Nigerian bank's US correspondent; Fidelity's 2025 instructions name Citibank N.A. New York (CITIUS33) |
| Purpose | For example family maintenance, school fees |
For the details family should give you, see receiving bank details your family must give.
How the fee works, with other banks for comparison
A wire to Nigeria can cost you in three places: the sending fee, any correspondent deduction on the way, and the exchange rate if a bank converts. The sending fee is the one TD will show you. For a sense of the range, here is what other large US banks list, with the source and date:
| Bank | Outgoing international wire in USD | Source |
|---|---|---|
| Bank of America | $45 | BofA's wire page, checked Oct 2026 |
| Chase | $40 online, $50 with a banker | Wise, Mar 2026, citing Chase |
| Wells Fargo | $25 online, $40 in branch | Wise, May 2026, citing Wells Fargo |
| Median of banks surveyed | $45 | NerdWallet, Jul 2026 |
These are not TD's figures. TD's own fee will be on its personal fee schedule and on the wire screen; use that number in your sums.
Worked example
Example only, with an assumed fee. Chinedu wires $1,500 in US dollars from TD to his mother's dollar account. Suppose TD's fee is $45 and a correspondent deducts $20. $1,545 leaves his account and $1,480 arrives. His total cost is $65, or about 4.3% of the $1,500.
Before you go to the branch
If you send from a TD store rather than online, a little preparation saves a second visit:
- Bring a valid photo ID and your TD debit card.
- Print or save the Nigerian bank's incoming transfer instructions, not a hand-copied version.
- Have the receiver's full address written out; include the town, state and country.
- Know the purpose and the relationship, in a few words.
- Ask the banker for the fee, the cut-off time that day and the expected delivery date before you sign.
- Ask for a copy of the wire confirmation with the reference number.
If the wire is later held in Nigeria, the receiving bank will contact the receiver, not you. Make sure the receiver knows a wire is coming, how much, and why, so they can answer at once.
Timing and protections
- International wires typically take 1 to 5 business days at the banks whose pages we read; weekends and US or Nigerian public holidays add days.
- Federal rules treat a consumer wire abroad as a remittance transfer: TD must disclose costs first, you can cancel within 30 minutes for a full refund unless the money has been deposited, and you have 180 days from the disclosed availability date to report an error, the CFPB says.
- A wire from your TD account is not subject to the 1% federal remittance tax, which covers cash-funded transfers.
If the wire comes back, read what happens when a US wire to Nigeria is returned.
Where Pryme fits
If your family needs naira, a Pryme account lets you hold dollars, convert with Swap and pay a Nigerian account with Send, seeing the rate and fee before you approve.
Questions people ask
How much is a TD Bank international wire fee?
We could not open TD's fee schedule in October 2026. Check its personal fee schedule or the wire screen; other big banks list $25 to $50 for an outgoing international wire in US dollars.
Can I send a TD Bank wire to Nigeria online?
Ask TD whether online international wires are available on your account; otherwise a branch can send it with your photo ID.
What SWIFT code do I use for a Nigerian bank?
The receiving bank's own code, for example FIDTNGLA for Fidelity. Confirm it with the receiver's bank.
Why did less money arrive than I sent?
A correspondent bank may have deducted a fee on the way, or the Nigerian bank charged on receipt.
Sources
- Bank of America: Wire transfers in Online Banking and the Mobile app · accessed Oct 2026
- Wise blog: Chase international wire transfer, citing Chase personal fee schedule (updated 30 Mar 2026) · accessed Oct 2026
- Wise blog: How to wire money with Wells Fargo, citing the Wells Fargo consumer fee schedule (updated 23 May 2026) · accessed Oct 2026
- NerdWallet: Wire transfer fees, what banks charge (updated 22 Jul 2026) · accessed Oct 2026
- Fidelity Bank Plc: Details for SWIFT transfers 2025 · accessed Oct 2026
- CFPB: What is a remittance transfer and what are my rights? (reviewed 3 Oct 2024) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.