International money transfers
Send money abroad anytime on AccèsD.
What's the purpose of an international money transfer?
International transfers allow you to send money to anyone with an account outside Canada. You can transfer money to most countries and in a wide variety of currencies through either SWIFT or international direct deposit.
Convenient
Transfer money to most countries and in a wide variety of currencies.
Easy
Make international money transfers on AccèsD from a web browser or at your caisse or branch.
Secure
Rest easy knowing that your transfers are protected by a security feature.
How to set up international money transfers on AccèsD
Before making your first international transfer, call us to make an appointment at a caisse or branch to find out the daily transfer limit ($5,000 a day) and enable the feature on AccèsD. You'll then be able to make your transfers on AccèsD using a web browser. This feature isn't available in the mobile app.
Call us at 1-800-224-7737 Phone number for AccèsD customer service. This link opens your phone app. (1-800-CAISSES).
Good to know
If you only need to make international transfers once in a while, you can make an appointment at any caisse or branch.
SWIFT transfer
SWIFT is a telecommunications system between financial institutions used worldwide to send funds-transfer instructions.
Features
- Available anywhere in the world
- Processing time within 2 business days
1 - 225 destinations available through AccèsD
- Maximum amount varies based on destination country, access method (at a caisse or on AccèsD) and your personal authorizations
2 - Choice of several currencies
Fees for SWIFT transfers3
| Destination | On AccèsD | At a caisse |
|---|---|---|
| Canada, United States | $15 | $15 |
| United States via Desjardins Bank | Free of charge | $7.50 |
| Other international destinations | $15 | $15 |
Information required for SWIFT transfers
To complete a SWIFT transfer, you need to know the following information about your recipient.
- First and last names
- Home address
- Financial institution branch address
- Banking details based on destination: (for example, BIC (bank identifier code, also called the SWIFT code), account number, branch name and ID)
- Reason for transfer (for example: reservation, subscription)
Information by country and territory
Select the country or territory you want to send funds to. For each country or territory, find out what kind of banking information is required, the maximum authorized amount and the currency to use, if applicable.
Africa
Morocco
Mandatory banking information:
24-digit RIB (relevé d'identité bancaire) key
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
America
Canada
Mandatory banking information:
- BIC: The bank identifier code, also called the SWIFT code, comprises 8 or 11 characters. The first 8 characters identify the financial institution and the last 3 refer to the branch.
- Institution number
- Transit number
- Account number
- Recipient's full name
- Recipient's full address
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
Mexico
Mandatory banking information:
The CLABE (Clave Bancaria Estandarizada or standardized banking code) has 18 characters.
The first 3 characters identify the bank, the next 3 refer to the branch, the next 11 represent the recipient’s account number, and the last character is the control digit.
Some Mexican banks don’t use the CLABE for US dollar accounts. Only the account number is required.
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
United States
Mandatory banking information:
Routing transit number
The ABA routing transit number (ABA, routing number) has 9 digits.
Note: Banks generally use a different routing number for direct deposits and SWIFT transfers. In some cases, however, the numbers may be one and the same.
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
4
Asia
China
Mandatory banking information:
The 12-digit CNAPS (China National Advanced Payments System) code is required for transfers in yuan (CNY).
This code identifies the recipient's bank branch.
In order to avoid transfer returns or delays, don't shorten the recipient's first or last name.
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
Oceania
Australia
Mandatory banking information:
The 6-digit BSB (Bank State Branch) code is required for transfers in Australian dollars (AUD).
This code, which identifies the recipient's bank branch, must be entered in the Identification no. box on the AccèsD form.
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
Other countries and territories
Mandatory banking information:
BIC
The bank identifier code, also called the SWIFT code, comprises 8 or 11 characters. The first 8 characters identify the financial institution and the last 3 refer to the branch.
IBAN
IBAN (International Bank Account Number) is a bank account identifier mainly used in Europe. It varies from country to country and consists of up to 34 characters.
It often appears on bank statements and invoices of companies and individuals residing in participating countries.
Even though it's not required locally, some countries might use the IBAN. When the IBAN is indicated on the AccèsD form, we suggest you use it instead of the account number.
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
International direct deposit
With international direct deposit, you can deposit funds directly into the account of an individual overseas. It’s an inexpensive way to transfer money to many countries around the world.
Features
- Available for certain countries and territories
- Maximum amount varies based on destination, access method (at a caisse or on AccèsD) and your personal authorizations
2 - Processing time from 12 hours to 4 business days
- Deposits made in the currency of the destination country or territory
Fees for international direct deposits
| Destination | On AccèsD | At a caisse |
|---|---|---|
| United States | $4 | $4 |
| United States via Desjardins Bank | Free of charge | $5 |
| Haiti, Morocco and Portugal | $7 | Not available |
| Other international destinations | $8 | $8 |
Information required
To make an international direct deposit, you need the following information about your recipient:
- First and last names
- Home address
- Name and address of the recipient's financial institution branch
- Banking details based on destination and transfer method (such as the IBAN (International Bank Account Number), CLABE (Clave Bancaria Estandarizada or standardized banking code), routing number, account number, branch name and ID)
- Reason for transfer (for example: reservation, subscription)
Information by country and territory
Select the country or territory you want to send funds to. For each country or territory, find out what kind of banking information is required, the maximum authorized amount and the currency to use, if applicable.
Africa
Morocco
Mandatory banking information:
RIB key (24 digits)
- Daily limit that can be transferred in-caisse: Up to 300,000 Dh or Unlimited Canadian dollars
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: MAD or CAD
Reunion island
Mandatory banking information:
IBAN: FR + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
South Africa
Mandatory banking information:
BIC (8 or 11 characters)
Address of financial institution
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: ZAR
America
French Guiana
Mandatory banking information:
IBAN: FR + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Guadeloupe
Mandatory banking information:
IBAN: FR + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Haiti
Mandatory banking information:
Account number: 14 digits
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: USD
Martinique
Mandatory banking information:
IBAN: FR + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Mexico
Mandatory banking information:
CLABE (18 digits)
The first 3 characters identify the bank, the next 3 refer to the branch, the next 11 represent the recipient's account number and the last character is the control digit.
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: MXN
Saint-Pierre-et-Miquelon
Mandatory banking information:
IBAN: FR + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
United States
Mandatory banking information:
ABA routing transit number: 9 digits
Note: Some banks use this number for both direct deposits and transfers.
Account number: 4 to 17 digits
Desjardins Bank: 10 digits
You can only make a direct deposit if the instructions on the AccèsD form mention ACH (Automated Clearing House). If the account isn't eligible for ACH transactions, the direct deposit won't go through.
Make sure you indicate what type of account the money is going to (Chequing or Savings).
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
4 - Default currency: USD
Asia
Hong Kong
Mandatory banking information:
BIC (8 or 11 characters)
Address of financial institution
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: HKD
India
Mandatory banking information:
BIC (8 or 11 characters)
Address of financial institution
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: USD
Singapore
Mandatory banking information:
BIC (8 or 11 characters)
Address of financial institution
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: SGD
Europe
Austria
Mandatory banking information:
IBAN: AT + 20 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Belgium
Mandatory banking information:
IBAN: BE + 16 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Cyprus
Mandatory banking information:
IBAN: CY + 28 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Denmark
Mandatory banking information:
IBAN: DK + 18 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to 250,000 kr
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: DKK
Estonia
Mandatory banking information:
IBAN: EE + 20 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Finland
Mandatory banking information:
IBAN: FI + 18 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
France
Mandatory banking information:
IBAN: FR + 25 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Germany
Mandatory banking information:
Bank (BLZ): 8 digits
Account number: up to 10 digits
IBAN: DE + 20 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Gibraltar
Mandatory banking information:
IBAN: GI + 23 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to £35,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: GBP
Greece
Mandatory banking information:
IBAN: GR + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Ireland
Mandatory banking information:
IBAN: IE + 22 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Italy
Mandatory banking information:
IBAN: IT + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Latvia
Mandatory banking information:
IBAN: LV + 21 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Luxembourg
Mandatory banking information:
IBAN: LU + 20 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Malta
Mandatory banking information:
IBAN: MT + 31 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Monaco
Mandatory banking information:
IBAN: MC + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Netherlands
Mandatory banking information:
IBAN: NL + 18 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Norway
Mandatory banking information:
IBAN: NO + 15 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to 300,000 kr
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: NOK
Portugal
Mandatory banking information:
IBAN: PT + 25 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Slovakia
Mandatory banking information:
IBAN: SK + 24 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Slovenia
Mandatory banking information:
IBAN: SI + 19 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Spain
Mandatory banking information:
IBAN: ES + 24 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Sweden
Mandatory banking information:
IBAN: SE + 24 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to 300,000 kr
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: SEK
United Kingdom
Mandatory banking information:
IBAN: GB + 22 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to £35,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: GBP
Oceania
New Zealand
- Mandatory banking information: Transit (6 characters)
- Daily limit that can be transferred in-caisse: Unlimited
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: NZD
French Polynesia
Mandatory banking information:
IBAN: PF + 27 characters
The IBAN often appears on bank statements and invoices of companies and individuals residing in participating countries.
Example of an IBAN: FR14 2004 1010 0505 0001 3 M02 606 (France)
- Daily limit that can be transferred in-caisse: Up to €50,000
- Daily limit that can be transferred on AccèsD: Up to CAN$5,000
- Default currency: EUR
Security
Check current international economic sanctions
Desjardins Group and all financial institutions in its network of foreign correspondent banks are subject to strict regulations on international economic sanctions.
Funds transfers may be temporarily blocked as a result of these sanctions. If your transfer is blocked, you may be asked some additional questions. It will then be either completed or cancelled, depending on your responses.
With some exceptions, a funds transfer may not be completed if an individual, business, organization, group or country involved in the transaction is directly or indirectly subject to international economic sanctions.
It is your responsibility to make sure that your funds transfer doesn’t violate international economic sanctions.
Spot fraud and scams
Scammers have creative ways of getting money from their victims. Get a head start and learn more about the different types of fraud.
FAQ
What do I need to do to receive an international money transfer?
To receive a transfer in Canadian or US dollars or in another currency, fill out the relevant section of the Incoming wire transfer (bilingual, PDF, 167 KB) form, then send it to the person who's planning to transfer funds to you.
The BIC/SWIFT code for Desjardins, for receiving money transfers from all over the world, is CCDQCAMM.
Go to the Service fees page for international transaction rates.
How is the transfer limit determined?
There is a money transfer limit set for your account, but the system factors in the limit set by the destination country or territory, as well as a security limit determined by Desjardins.
You can consult money transfer limits on AccèsD using a web browser. Under Transfers in the right-hand menu, select International money transfers then Make a transfer.
How is the exchange rate established?
The exchange rate used is the real time market rate. Exchange rates are updated live between 7:30 AM and 5 PM on business days.
When the markets are closed (before 7:30 AM and after 5 PM on business days and on Saturdays, Sundays and holidays), Desjardins Group's Treasury increases the spread between the current buying and selling rates. The spread is readjusted once the markets open.
A recipient says they haven't received the money. Can I check on the status of my transfer?
Yes. To view the status of your transfer, you must make a request on AccèsD using a web browser. Under Transfers in the right-hand menu, select International money transfers then Investigation.
Service charges apply as they do to process any request from a bank for inapplicable, refused or returned payments.
Can I make a correction or request the return of funds once my transfer has been sent?
Yes. However, service charges apply, as they do to process any request from a bank for inapplicable, refused or returned payments. In addition, the exchange rate for a returned funds transfer may differ from the rate originally used to make the transfer.
To report an error or to request that your funds be returned, contact your caisse.