5 minutes ago I transferred money from Spain to Canada (TD Canada Trust) without problems.
I used the Internet from my bank's website here in Spain. "Sabadell Atlantico", one of the very few things that Spain has got a handle on.
When the screen form asked for IBAN I put in the following:-
004 (Bank code for TD Canada Trust) - followed by the recipient's Canadian bank's branch number (5 digits)- xxxxx - followed by the recipient's account number (7 digits) - xxxxxxx. ............. NO spaces between any of the numbers.
Everything went through fine.
So to reiterate, when prompted for IBAN number:-
1. Bank's identification number -004-
2. Branch number
3. Account number.
Remember NO spaces.....at least with my internet bank.
One other thing!!!!! I was asked for a SWIFT code which in my case was TDOMCATTTOR. When I inserted these letters my own bank recognised this immediately as the TD Canada Trust bank.
I hope this can help clear up things.
Regards to all you expats in Canada, from a very happy EX-PATRIA living in a village north of Barcelona in the mountains who should have moved 20 years ago