International transfers for businesses

International transfers for businesses

It's simple to send money to suppliers or employees in other countries using international transfers. AccèsD Affaires lets you do it anytime and from anywhere.

Make an international money transfer in AccèsD Affaires


  • Many countries and currencies available Transfer money to most international destinations
  • Quick Your employees or suppliers overseas get their funds rapidly
  • Easy Streamlined international business management
  • Secure Every transfer is protected by a sophisticated security feature

Transfer methods

Direct deposit

With direct deposit, you can deposit funds directly into the account of a business or individual overseas. It's an inexpensive way to transfer money to suppliers or employees in many countries around the world

  • Available for certain countries and territories
  • Maximum amount varies based on destination and account authorizations
  • 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 Affaires At a caisse
Canada – to a Desjardins caisse $0.90 $2
Canada – to another institution $0.90 $5
United States $4 $4
United States via Desjardins Bank $5 $5
Other international destinations $8 $8

Information required

To make a direct deposit overseas, you need the following information about your recipient:

  • First and last names
  • Home or business 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: salary, professional services)

Select the country or territory to which you want to send funds to find out what kind of banking information is required, the maximum authorized amount and the currency to use.

SWIFT transfer

SWIFT is a telecommunications system between financial institutions used worldwide to send funds-transfer instructions.

  • Available anywhere in the world
  • Processing time within 2 business days
  • 225 destinations available through AccèsD Affaires
  • Maximum amount varies based on destination country and account authorizations
  • Choice of several currencies
Fees for SWIFT transfers
Destination AccèsD and in-caisse
Canada, United States and other international destinations $15
United States via Desjardins Bank $7.50

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 or business 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)

Depending on which country or territory you are sending funds to, the following information may be required.


Mandatory banking information

The 6-digit B-S-B (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 number box on the AccèsD Affaires form.

Daily transfer limit



Mandatory banking information

The 12-digit C-N-A-P-S (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.

If you don't have enough space in the Recipient name field, continue on the first line of the Beneficiary address field by moving the address down. Continue in the Purpose of payment field if necessary.

According to Chinese regulations, individuals can only receive funds transfers related to business transactions if authorized by their financial institution. It is your responsibility to verify this with the recipient.

Daily transfer limit



Mandatory banking information

The C-L-A-B-E (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 C-L-A-B-E for U-S dollar accounts. Only the account number is required.

Daily transfer limit



Mandatory banking information

24-digit R-I-B (relevé d'identité bancaire) key

Daily transfer limit


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 transfer limit


Other countries and territories

Mandatory banking information


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.


I-B-A-N (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 I-B-A-N. When the I-B-A-N is indicated on the AccèsD form, we suggest you use it instead of the account number.

Daily transfer limit


Ready to make an international transfer?

It's quick and easy to make international transfers on AccèsD Affaires.

Save time with AccèsD Affaires

Delegate international transfer transactions and manage your accounts anytime, anywhere.

Transfer funds from your accounting system

If you process a large volume of payments in Canada and abroad, you can make payments by secure file using our data transmission systems or from your own accounting system.

  • 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.

    Learn more about fraud

FAQ – International transfers

  1. Even though your file indicates a limit, the system also takes into account the limit imposed by the destination country or territory and security limit determined by Desjardins.
  2. This processing time is not guaranteed and doesn't include weekends or statutory holidays in Canada or the country of destination. Exceptionally, SWIFT transfers within Canada in currencies other than CAD and USD will be processed within 1 to 2 business days.
  3. Plus correspondent fees, if any. Fees based on the currency of the account credited.
  4. Batch payment services are available exclusively to large businesses.