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The short answer
We could not confirm from TD's own TD Global Transfer page, in October 2026, whether it covers Nigerian bank accounts, because the page did not load; the destination list in TD's app or online banking is the check. If Nigeria is not offered, a standard international wire is the TD route, and TD's fee guide effective 5 March 2026 lists $50 for an outgoing branch wire to an international account.
What we could and could not confirm
TD Global Transfer is TD's own name for its international money transfer service. When we tried to read its page in October 2026, it failed to load, so we cannot quote its destination list, fee or limits here. What we could read is TD's fee guide "About Our Accounts and Related Services", effective 5 March 2026, which prices standard wires. This article uses that, and tells you how to check Global Transfer for yourself.
How to check whether Global Transfer reaches Nigeria
- Sign in to the TD app or online banking and start a Global Transfer.
- Look for Nigeria in the list of destination countries, then for a bank account payout option.
- If it is there, note the fee, the rate and the amount in the destination currency on the review screen before you approve.
- If Nigeria does not appear, the service is not available to you for Nigeria at that time, and a wire is the TD route.
The wider guide, with TD-specific steps as they stood when it was written, is in TD Global Transfer to Nigeria.
A standard TD wire: what the fee guide shows
| Item in TD's fee guide (effective 5 Mar 2026) | Fee |
|---|---|
| Outgoing wire at a branch, to a non-TD or international account | $50 per wire |
| Incoming wire | $17.50 per wire (in CAD for CAD and non-USD wires; in USD for USD wires) |
The $50 is TD's sending fee only. A wire to Nigeria can also lose money to correspondent or intermediary deductions on the way, and the Nigerian bank may charge on arrival. If the wire is converted from CAD, the rate used is a further cost. Ask TD at the branch to show each of these before you sign; see intermediary bank fees.
The difference in cost: a worked example
Example only, with made-up percentages for the rate margin, and assuming no intermediary deductions:
| Send CA$400 | Send CA$4,000 | |
|---|---|---|
| TD branch wire fee | $50 | $50 |
| Fee as share of amount | 12.5% | 1.25% |
| Rate margin at an assumed 2% | $8 | $80 |
| Total cost before deductions | $58 | $130 |
The fixed fee dominates on a small wire and matters little on a large one. For CA$400 that is CA$58 in total; for CA$4,000 it is CA$130, or about 3.3%. A transfer service with a smaller fee, or none, may cost less on the small sum; on the large sum, the rate decides. Compare the amount that will arrive, using the total cost method.
What to take to the branch for a wire
Because the fee guide prices the wire at a branch, plan to bring everything in one visit. You will need your own ID and account, and from your recipient: their full name exactly as the Nigerian bank holds it, their address, the 10-digit account number, and the bank's name, address and SWIFT code, with any intermediary instructions the Nigerian bank gives for the currency you are sending. Ask your recipient to get the SWIFT code from their bank directly; see finding a Nigerian bank's SWIFT code. Check whether the account is a naira or a domiciliary account before choosing the currency.
If the wire is late or goes wrong
Keep the wire confirmation. If the money has not arrived, ask your recipient to check with their bank first, then ask TD to trace the payment. If you are unhappy with how TD deals with a complaint, OBSI says it can review a complaint once a participating bank has had 56 calendar days without giving a final response, or if you are not satisfied with that response; you then have 180 calendar days from the final response to go to OBSI, and the service is free.
Which route suits which payment
- Naira for family, smaller sums. A transfer service or remittance app that pays naira into Nigerian bank accounts is usually the practical choice.
- Dollars to a domiciliary account. A SWIFT wire is the usual route, since money transfer operators pay retail customers in Nigeria in naira only, a rule that Udo Udoma & Belo-Osagie's March 2026 note says was reinforced from 1 May 2026. See sending US dollars to a domiciliary account.
- Large one-off payments. A wire gives a bank-to-bank record. FINTRAC requires the sending institution to report international transfers of $10,000 or more, including several within 24 hours that reach that total for the same person.
Where Pryme fits
Pryme is not part of TD. A Pryme account holds NGN, USD, GBP and EUR, and Swap shows the rate and the fee before you approve any conversion.
Questions people ask
Does TD Global Transfer send to Nigeria?
We could not confirm it from TD's page in October 2026. Check the destination list in the TD app or online banking.
How much is a TD international wire?
TD's fee guide, effective 5 March 2026, lists $50 for an outgoing branch wire to a non-TD or international account, before any intermediary deductions or rate margin.
What does TD charge to receive a wire?
The same fee guide lists $17.50 per incoming wire.
Is a TD wire or a remittance app cheaper for Nigeria?
It depends on the amount. A fixed $50 fee weighs heavily on small sums; on large sums the exchange rate matters more.
Sources
- TD: About Our Accounts and Related Services (effective 5 Mar 2026) · accessed Oct 2026
- Udo Udoma & Belo-Osagie: Routing remittances through regulated channels, the CBN's new directive to IMTOs (Mar 2026) · accessed Oct 2026
- FINTRAC: Reporting electronic funds transfers · accessed Oct 2026
- OBSI: Can OBSI help? · 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.