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I'm traveling and am deciding which bank to use while in Montreal. Thanks.
Stephanie, Red Bank
November 9, 2014 08:06:40 PM
3 people recommended this |
In reply to Stephanie, Red Bank
Welcome to TD Helps, Stephanie. We understand your concern and would be happy to help.
While traveling in Canada, you will be glad to know that if you withdraw funds at any TD Canada Trust ATM, you will not be assessed with any fees! To help you find TD Canada Trust ATMs near your travel destinations, please click here: http://bit.ly/1cZWU5e.
We also would recommend placing a travel notification on your account prior to your travel date; this will help to prevent any blocks to your Debit Card while you are traveling. You can do so by calling our Customer Service Line at 888-751-9000 or visiting a local TD Bank Store. To find a TD Bank near you, we suggest you check out http://bit.ly/TDStores.
If you are enrolled in Online Banking, another option would be to send a secured message using www.tdbank.com and request the travel notifications be added to your account. To send a secured message you must first login to your TD Bank online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see and option to "Send a secure message" located in the “Message Center.” In your message, please include the dates and destination(s) you will be traveling. If you are not enrolled for Online Banking, you can do so for free here: http://bit.ly/1lU2qfY. You will need your Social Security number, TD Bank ATM/Visa Debit Card, your account number and e-mail address. Once you have successfully enrolled, you will have immediate access to your account(s).
By placing a travel notification, this will help us be aware if we see foreign transactions on your account. Also, please be informed that for your protection we will continue to monitor your card activity even when a notification is set. We also recommend carrying more than one method of payment while traveling, just in case you encounter any acceptance issues. For more travel tips while overseas, please visit http://bit.ly/1gDrDYu. You may also want to review our international travel tips frequently asked questions by clicking here: http://bit.ly/1ltwDDc.
We hope this helps, Stephanie. Safe travels and have a wonderful day!
Kristen P, Mount Laurel
November 9, 2014 08:11:03 PM
1 person recommended this
In reply to Kristen, Mount Laurel
Hi - I see that this was posted about 6 months ago. Does this still apply today? Are there still no fees when using a TD Bank debit card in Canada at a TD Canada Trust ATM?
Linda, New York
May 13, 2015 11:44:16 AM
In reply to Linda, New York
Thanks for joining us today, Linda.
You will be glad to know that if you withdraw funds at any TD Canada Trust ATM, you will not be assessed with any fees! To help you find TD Canada Trust ATMs near your travel destinations, please click here: http://bit.ly/1cZWU5e.
Hope you have a great day!
Brian M., Mount Laurel
May 13, 2015 11:47:33 AM
In reply to Brian, Mount Laurel
I understand there are no fees for using a U.S. TD Bank Card in a Canadian ATM, but what Exchange Rate is used? Is there a fee built into the Exchange Rate when Canadian dollars are dispensed?
Sean, Orlando, FL
October 25, 2015 01:45:36 PM
In reply to Sean, Orlando, FL
Welcome to TD Helps, Sean.
As exchange rates fluctuate frequently, to obtain the exchange rate we ask that you contact us 24/7 at 888-751-9000. Please note that there may be fees associated with foreign currency conversions and for more information visit http://bit.ly/1cTejgt.
To find a nearby TD location in the United States please check out: http://bit.ly/TDStores.
Thanks for stopping by, Sean.
Alara B, Mount Laurel
October 25, 2015 01:46:38 PM
In reply to Alara, Mount Laurel
I would like to know if there are fees taken for paying with a TD debit card in Canada? That's great that no fees are charged at ATMs but I would like to know for normal use of the card when shopping for example?
Thank you very much,
Auriane, New York
April 14, 2016 06:12:34 PM
In reply to Auriane, New York
Good question, Auriane! We'll be glad to answer your question regarding foreign transactions fees.
You'll be pleased to know that TD Bank or Visa does not charge any foreign transaction fees. Please take a look here: http://bit.ly/1ltwDDc and http://bit.ly/1fO8wKy for tips on international travel and FAQs. Additionally, we recommend reviewing the responses listed above regarding placing travel notes on your account.
We hope this answers your question, Auriane and have a great evening! Take care.
Katherine G, Mount Laurel
April 14, 2016 06:15:04 PM
2 people recommended this
In reply to Katherine, Mount Laurel
I know that this original post was some time ago and I just wanted to see if anything had changed regarding ATM fees and using my US TD card in Canada to withdraw Canadian dollars.
Tara, Saddle Brook
June 12, 2017 10:35:12 AM
In reply to Tara, Saddle Brook
Thanks for joining the conversation, Tara. We're happy to help provide some helpful information in regard to traveling to Canada!
Great news – no change to this fee-free option! While traveling in Canada, if you withdraw funds at any TD Canada Trust ATM using your TD Bank US debit card, you will still not be assessed with any fees. To help you find TD Canada Trust ATMs near your travel destinations, please click here: https://go.td.com/1ix8E3w.
Please keep in mind that the exchange rate you receive at any ATM is not set by the bank. Foreign exchange rates are published by the government and fluctuate daily, and customers will pay the VISA exchange rate at the time of withdrawal.
We also would recommend placing a travel notification on your account about a week prior to your travel date; this will help to prevent any blocks on your debit card while you are traveling. You can do so by calling our Customer Service line at 888-751-9000 or visiting a local TD Bank Store. To find a TD Bank near you, we suggest you check out: https://go.td.com/1nq31dc.
If you are enrolled in Online Banking, another option to place your travel notification would be to send a secured message using www.tdbank.com and request the travel notification be added to your account. To send a secured message you must first log in to your TD Bank online profile. You can do so by clicking here: https://go.td.com/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center.” For Mobile Banking, select the option to 'Contact Us' followed by 'Send a secure message' after signing in. In your message, please include the dates and destination(s) of your travel. If you are not enrolled for Online Banking, you can do so for free here: https://go.td.com/1lU2qfY. You will need your Social Security number, TD Bank ATM/Visa Debit Card, your account number and e-mail address. Once you have successfully enrolled, you will have immediate access to your account(s).
Placing a travel notification helps us be aware of intended transactions on your account. Also, please be informed that for your protection we will continue to monitor your card activity even when a notification is set. We also recommend carrying more than one method of payment while traveling, just in case you encounter any acceptance issues. For more travel tips while overseas, please visit: https://go.td.com/1fO8wKy. You may also want to review our international travel tips frequently asked questions by clicking here: https://go.td.com/1ltwDDc.
We hope this information is helpful, Tara. Have a wonderful trip!
Alara B, Mount Laurel
June 12, 2017 10:35:52 AM
I'm traveling to Toronto for a few weeks and I have a TD checking account in the US.
I'm wondering if it's possible to withdraw US dollars from my US account while in Toronto, either at an ATM or in a branch.
If yes, are there any fees associated with it?
Thank you very much for your consideration
November 10, 2017 10:07:23 AM
In reply to Connor, NYC
Hi Connor! Thanks for joining us.
We're happy to inform you that it is free to use your TD Bank Visa Debit Card at any TD Canada Trust ATM machine while you're in Toronto! We will not charge any ATM fees, but please know that foreign currency conversion rates do still apply.
While you're certainly invited to stop in and visit our friends at TD Canada Trust while you're there, their tellers would not be able to access any U.S. accounts, just as we're unable to access any Canadian accounts here. However, if you would like to make a withdrawal at the Teller line, you may be able to do a cash advance using your debit card. Doing this, your card will be used to withdraw funds and that transaction should post to your account as a Visa purchase, rather than a withdrawal. You can find any TD Canada Trust Branch near where you'll be by clicking here: https://go.td.com/2ykaYcD.
As with any travel, we ask that you notify us prior to departing so that we can notate your account. This will help prevent any blocks or declined transactions while you're away. While we would generally recommend that you notify us about a week prior to your trip, we'll also take that notice as soon as possible. Just give us a call 24/7 at 888-751-9000 or send us a secure message through your online banking with your travel dates and destinations. To send a secure message, log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We can generally respond within 24 hours or less.
We hope you have a great trip, Connor! Safe travels.
Candice A, Mount Laurel
November 10, 2017 10:08:17 AM
In reply to Candice, Mount Laurel
Thank you very much for your reply!
I didn't know about cash-advance feature of debit-cards before. (Although I knew about overdraft protection.)
Is there a daily limit on such transaction?
(I saw some forums suggesting a $500 limit but in my case, I'm using a TD-USA debit card at a TD-Canada branch which I'm hoping it would be more?)
Furthermore, how much fees are applied to such transaction by TD-USA and TD-Canada in this scenario?
Thank you very much again....
November 11, 2017 12:44:55 PM
Welcome back, Connor!
These are great questions.
Should you decide to use your TD Bank Debit Card to obtain a cash advance, typically speaking, you would have a daily limit of $5,000; however, this information can vary, and if you would prefer to confirm your limit, you're more than welcome to connect with us directly using one of the methods that our friend Candice mentioned above.
Additionally, as TD Bank does not charge international transaction fees with our VISA Debit Card, you can rest assured in knowing that a fee will be not accessed to your account for your cash advance. We'd like to take a moment to reiterate that when processing an international transaction, the currency conversion will be determined by VISA at the time your transaction is initiated. Because of this, please be mindful that the amount that is debited from your TD Bank account may not be equal to the amount you withdrawal at the time of your cash advance.
Finally, to determine if a fee may be accessed by TD Canada Trust, we'd like to recommend that you connect with them directly, or speak with a Representative during your visit.
If you have any additional questions or concerns, we're always here to help, Connor, and we hope you have an amazing weekend!
Brittany M, Mount Laurel
November 11, 2017 12:46:20 PM
In reply to Brittany, Mount Laurel
I am sorry to step in to this message trail. I have same question but backwards :) I am Canadian and I have a US account with TD Canada. Can I withdraw US Dollars from TD Branch from my US Borderless Account? Will there be any fees involved?
I am flying to USA next week.
Appreciate you help
Thank you in advance.
March 23, 2018 07:18:04 AM
In reply to Bassem, Mississauga
Thanks for joining us today, Bassem.
While there are generally no ATM fees when using your TD Bank Debit Card at a TD Canada Trust ATM, please understand that we would be unable to confirm what fees may be assessed by TD Canada Trust at a TD Bank ATM at this time. We apologize for any inconvenience this may cause; however, while we both may share the same TD shield, we are different entities, and for further assistance, we'd like to recommend that you connect with TD Canada Trust directly for further assistance.
We have provided a link here https://go.td.com/1woOVay with all the options that you have when wanting to contact TD Canada Trust.
In addition, you may also send your question again through TD Canada Trusts TD Helps by following the link provided here: https://go.td.com/1Ymzfmu.
A Live Customer Service Specialist may also be reached by dialing 1-866-222-3456. Specialists are available 24 hours a day, 7 days a week, and will be more than happy to further assist you with any questions you may have.
Thanks again for stopping by, Bassem!
Have a good upcoming weekend.
Brittany M, Mt. Laurel
March 23, 2018 07:19:24 AM