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Sean, Washington DC
July 31, 2014 06:12:33 PM
2 people recommended this |
In reply to Sean, Washington DC
Thank you for dropping by TD Helps today, Sean.
If you are in a foreign country or headed toward one, it is important that you be aware of any fees you may incur.
If you make a purchase abroad with your TD Bank Visa Debit Card, no foreign transaction fees will be charged. Please note the following fees that you may expect to pay when using a foreign ATM:
-Each withdrawal, transfer, and balance inquiry made by a Retail Customer at an ATM not owned by TD is subject to a $3.00 fee, which is charged by TD Bank the same day the transaction is made
-The owner of the machine or network may assess a fee at the time of your transaction, including a fee for balance inquiries, in addition to any fees assessed by TD Bank
-If you use any ATM in a foreign country, you may also incur international, currency exchange and usage fees regardless of the type of account you have at TD Bank.
TD Bank may reimburse you with some account types for the fees charged by the owner of the non-TD ATM at the end of each statement cycle if you maintain a $2,500 minimum balance for the entire statement cycle. Please take a look at http://bit.ly/1cTejgt for fee information and the types of accounts needed to avoid a non-TD ATM fee, as well as http://bit.ly/1kb17UQ (pg. 40-41) for more information on what type of fees to expect.
Please keep in mind, if you plan to travel we recommend calling TD Bank to inform us of your travel arrangements at least one week before your trip. You can do so by calling our Customer Service Line directly at 888-751-9000, and we will be happy to place your Travel Notification.
Hope this helps and enjoy the rest of your day!
Yen D, Mount Laurel
July 31, 2014 06:15:37 PM
2 people recommended this
In reply to Yen, Mount Laurel
Would you please elaborate more regarding the international currency exchange and usage fees? I understand that if you use visa debit card for foreign purchase there is no conversion exchange fee however I'm still unclear if there is other charge if you use it for ATM withdrawal e.g if I go to Europe and want to withdraw cash, beside the $3.00 fee what other fee do I have to pay. Thank you very much
March 29, 2015 06:04:44 PM
In reply to Dao, Boston
Thanks for joining the conversation, Dao! We'll be glad to clarify this for you.
As mentioned in the previous message, TD Bank does not charge any foreign transactions fees for purchases made with your TD Bank Visa Debit card. This means that when using your card with a merchant, TD Bank will not charge you a fee or percentage to convert the other currency to U.S. Dollars.
If you choose to use your card for an ATM withdrawal, please note that each withdrawal, transfer, and balance inquiry made at an ATM not owned by TD is subject to a $3.00 fee, which is charged by TD Bank the same day the transaction is made (subject to change). Please check out: http://bit.ly/1cTejgt for more information on our current Fee Schedule.
Other fees that may be assessed for an ATM withdrawal, including currency conversion, would be charged by the financial institution that owns or operates the ATM. You may refer to the ATM at the time of withdrawal or that bank directly for their fee information. Also, please refer to http://bit.ly/1kb17UQ (pg. 44-45) for more information.
If you have any questions, Dao, feel free to reach us 24/7 at 888-751-9000, or stop in at any TD Bank Store listed here: http://bit.ly/TDStores. We'd also recommend providing us your travel notation at that time, if you haven't already done so.
Hope this answers your question, Dao and have a great time on your trip!
Kristen P, Mount Laurel
March 29, 2015 06:06:15 PM
In reply to Kristen, Mount Laurel
What about for TD Bank Visa credit cards? Does TD Bank charge any foreign transaction fees for purchases made in Canada using a Visa credit card issued by TD Bank? Thanks very much.
Larry, Washington, DC
September 20, 2015 05:05:26 PM
1 person recommended this
In reply to Larry, Washington, DC
Glad to see you on TD Helps again, Larry.
Since you mention using a TD Bank Visa Credit Card – yes, foreign transaction fees may apply. At this time, a 3% international surcharge would be included with any purchases made outside of the United States. Please be aware however that these fees may be subject to change, and to view the general terms for a Personal Credit Card, please see here: http://bit.ly/1klVfbF (Page 12). Kindly also note that if you have a Credit Card with TD Bank, a Credit Card Agreement specific to your account is issued at that time of approval and may contain different terms.
If you have any other questions, we are available 24/7 for you and can be reached at 888-561-8861 (for your TD Credit Card); or, for any inquiries relating to your account and debit card, please reach us on this number: 888-751-9000, also 24/7 for your convenience. As always, you can visit at TD Store for assistance. Our Stores nearest you can be found here: http://bit.ly/TDStores.
We also suggest you give us a call before your trip to place a Travel Notification on your account, to protect your account from fraud. To place travel notification on your TD Debit Card, please call us at 888-751-9000, or for your TD Credit Card, you can contact one of our Credit Card Specialists 24/7 at 888-561-8861, or you may visit any TD location.
Additionally, for a few tips on how to manage your accounts when traveling, please check out: http://bit.ly/1fO8wKy. You may also want to review our international travel tips frequently asked questions by clicking here: http://bit.ly/1ltwDDc .
Thanks again for banking with us, Larry. Have a great weekend!
Justin B, Mount Laurel
September 20, 2015 05:06:26 PM
In reply to Justin, Mount Laurel
Thanks, and may I ask a follow-up question? I am providing financial support to a family member living temporarily in Canada. I have been making deposits into her TD Bank checking account, and I understand that TD Bank will not charge any foreign transaction fees when she uses her TD Bank debit card at an ATM in Canada or makes purchases in Canada, and that TD Canada Trust charges no fees when she uses her card at one of their ATMs, right? But what about foreign-exchange rates? For example, would it save us money, in terms of foreign exchange rates, if my family member opens an account at TD Canada Trust and then if I deposit or transfer U.S. dollars to her account there? Or would it save us money if she opens an account at TD Canada Trust and then transfers her U.S. Dollars from her TD Bank account to her new TD Canada Trust account? Thanks again for the advice.
Larry, Washington, DC
September 21, 2015 02:30:45 PM
Welcome back, Larry. We appreciate your inquiry and would be happy to help guide you in the right direction.
You will be glad to know that when withdrawing funds at any TD Canada Trust ATM, there are no ATM fees. To help you find TD Canada Trust ATMs near your travel destinations, please click here: http://bit.ly/1cZWU5e.
Please keep in mind that the exchange rate you received 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.
As far as opening a TD Canada Trust account. Your family member does have the option of opening a US Dollar TD Canada Trust account. As she is currently located to Canada, please have her visit: http://bit.ly/1K61z5M for more details on how to open a TD Canada Trust account.
Once her TD Canada Trust account is set up, she may than take advantage of our Cross Border Banking services – where she`ll have the ability to transfer funds between her TD Bank U.S. account and TD Canada Trust account, free of charge. She may wish to connect with a TD Cross Border Banking Specialists 24/7 at 877-700-2913, option 2. Also, with this feature, she is able to do her banking and transfer funds without having to visit a TD Store! For more information, please take a look here: http://bit.ly/1ienPN4.
We hope this helps, Larry. If you need anything else, please do not hesitate to let us know. Have a wonderful day!
Yen D, Mount Laurel
September 21, 2015 02:33:16 PM
I would like to know how I may determine, in advance, at what rate currency will be converted, and if there are any additional fees, when using my TD Bank Checking account to pay for purchases in foreign currencies. For the particular purchase I am considering at this moment I have two options. The vendor is in the United Kingdom (UK). I can provide credit card information over the phone, and would use my TD Bank Visa Debit card. Or, I can pay via PayPal, and select an instant checking account withdrawal from my TD Bank checking account.
If I use PayPal, I have two options for that: first is to allow PayPal to convert the currency. They will charge the Interbank rate plus 3.9%. To convert. Or, I can select the option of having PayPal allow my bank to perform the currency transaction.
Please note that PayPal's conversion charge rate is fairly high. I am hoping the TD Bank conversion rate and/or fees are lower.
John, Westborough, MA
January 3, 2016 10:20:13 AM
In reply to John, Westborough, MA
Thank you for submitting your question to us on TD Helps, John. We'll be happy to point you in the right direction.
As exchange rates can fluctuate frequently, we recommend reaching out to any of our Store locations for the most up to date information. Please check out http://bit.ly/TDStores to learn more about our locations and lobby hours.
Another option you have to obtain the current exchange rate is by contacting TD International Services at 888-BNG-INTL (888-264-4685) or you can send them an email by visiting here: http://bit.ly/1pvwJIu. Please note that there may be fees associated with foreign currency conversions and for more information visit http://bit.ly/1cTejgt.
We hope this helps out, John. Let us know if you have any other questions.
Kris M, Mt. Laurel
January 3, 2016 10:21:33 AM
Hallo TD team member,
my daughter, who lives in Canada, has a debit bank card issued in the Czech Republic. I would like deposit cash in a czech bank and she can then make a withrawal in Canada. From the Czech bank there is no fee attached. What would TD charge for such withdrawal made be green machine?
(I used to live in Canada and worked for TD, this is why I turned to TD Canada Trust) :-)
Kamila, Mariánske Lazně, Czech Republic
August 22, 2016 03:05:16 PM
In reply to Kamila, Mariánske Lazně, Czech Republic
Hello Kamila, and welcome to TD Helps!
We'd like to let you know that you've reach TD Bank NA in the United States. Based on your question, it sounds like you want to reach out to our partners up north, TD Canada Trust. You may submit your inquiry via their TD Helps page here: https://go.td.com/1cTejgt. If you wish, you may even connect with them 24/7 at 1-866-222-3456.
Hope this clears up your question, Kamila! Let us know if we can be of further help and have a great day.
Shanika A, Mount Laurel
August 22, 2016 03:06:07 PM
Is this still true in 2016? The following TD link indicates that there will be a 2.5% forien exchange fee when using the TB Bank Visa Debit Card.
https://go.td.com/2exwQHk (Expand General and then "Are there any fees for the TD Access Card")
October 28, 2016 09:06:53 AM
In reply to Braydon, Victoria
Thank you for also joining our conversations here, Braydon.
You have reached the TD Bank in the United States. As you're connecting with us from Canada and referring to TD Access Card, we believe you are a TD Canada Trust Customer. Please know that their TD Helps page can be found here: http://go.td.com/1Ymzfmu. Additionally, they can be reached by phone directly 24/7 at 1-866-222-3456.
Thanks again for reaching out, Braydon. Cheers!
LiShu R, Mount Laurel
October 28, 2016 09:07:25 AM
In reply to LiShu, Mount Laurel
I am looking to get either (1) the Amazon.ca Rewards Visa Card from Chase, (2) the MARRIOTT REWARDS® PREMIER VISA® CREDIT CARD, or (3) the Rogers™ Platinum MasterCard®. All of these offer no transaction fees from the credit card company (and in some cases even cash back). I am wondering if TD (because they are my house bank and where I intend to pay y credit card out of) will charge a fee when I use these cards? I assume the answer is no, but please advise. thanks
January 17, 2017 09:44:23 AM
In reply to Elliott, Toronto
Thanks for joining in, Elliott.
As our friend LiShu mentions above, you've reached TD Bank in the U.S. We recommend reaching out to TD Canada Trust. You are able to do so by using the link she mentions above or by calling them directly.
We hope to hear from you soon and have a good day.
Megan K, Mount Laurel
January 17, 2017 09:44:37 AM