Personal Finance Money transfer

How much can you transfer with Taptap Send in Canada? A closer look

Piyush Singh

08.01.26

Read time 2 minutes

Sending money to contacts outside of Canada is faster and cheaper thanks to the digital remittance apps wave. Among these is Taptap Send, offering straightforward, mobile-led transfers across Africa, Asia, and the Caribbean.¹ Taptap Send launched in 2018 with no hidden fees and real-time exchange, making it a go-to for many. As it gains popularity, many Canadian users want to know: how much can you actually send with Taptap Send?

In this guide, we'll unpack this and explain how verification affects your ability to send more, compared to other options, like Wise, and share practical tips on what to do when you hit your cap.

This guide will cover:
How much can you send with Taptap Send in Canada? Taptap Send daily, monthly, and annual transfer limits explained Does verification affect how much you can send? Comparing Taptap Send transfer limits to Wise for Canadian transfers What to do when you reach your transfer limit in Canada

How much can you send with Taptap Send in Canada?

The amount you can send through Taptap Send depends on both the country you're sending from and the destination country or provider. Each sending country has its own internal cap.²

Taptap Send daily, monthly, and annual transfer limits explained

Limit Type	Official Figure (Canada)	Explanation
Per Transfer Maximum	3,500 CAD	The maximum you can send in one single transaction.²
Daily Maximum	9,500 CAD	The total combined amount you can send within 24 hours.²
14-Day Maximum	30,000 CAD	Amount possible within a rolling 14-day window.²

Does verification affect how much you can send?

Verifying your account with Taptap Send will lift sending limits, and not verifying it will restrict how much you can send. To verify, you'll need to provide ID and a selfie, and for higher limits, additional documents like a utility bill or bank statement may be required.

Like all regulated remittance companies, Taptap Send must comply with Canadian anti-money-laundering (AML) and know-your-customer (KYC) regulations. That means you'll need to provide ID and complete verification before accessing full limits.³

Here's how verification affects your sending power:

Unverified Accounts: Will have limited transfer amounts, and some transactions may be held or rejected.
Partially Verified Account: Will have moderate sending limits but may not access the full 14-day maximum.
Fully Verified Account: Will have access to Taptap Send's full sending limits up to 3,500 CAD per transfer, 9,500 CAD per day, and 30,000 CAD per 14 days.

If you attempt a transfer that exceeds your current allowance, the app will display a message explaining the limit and how to increase it. Completing verification almost always raises your threshold.³

Comparing Taptap Send transfer limits to Wise for Canadian transfers

Taptap Send is a solid choice for frequent, smaller transfers to mobile wallets or cash-pickup locations, but it isn't designed for large transfers.

That's where Wise comes in! Here's a quick comparison of both platforms:

Platform	Typical Limits (Canada)	Usage
Taptap Send	3,500 CAD per transfer; 9,500 CAD daily; 30,000 CAD per 14 days³	Fast, low-cost remittances to mobile wallets or cash-pickup locations.
Wise	3,000 CAD per transfer with credit or debit; 9,500 CAD per day; Up to 1.5 million CAD via wire transfer (after verification)	Larger bank-to-bank transfers, online payments, and verified business remittances.

What to do when you reach your transfer limit in Canada

Here's what to do when you reach your transfer limit:

Check Your Transfer History
Review your recent transfers to see if you've hit your daily or 14-day cap. The limit resets automatically after the time period passes.
Verify Your Account (or Re-verify)
Complete the ID verification process in the app. A government-issued ID and selfie are typically enough, but sometimes Taptap Send requests proof of address or source of funds.
Split Larger Amounts
If you need to send more than 3,500 CAD, split your payments across several days to stay under the daily and per-transfer caps.
Consider an Alternative Platform
If you regularly need to send more than 30,000 CAD within two weeks, platforms like Wise may better suit your needs.

Conclusion

Taptap Send has become a go-to solution for Canadians who need to send money abroad quickly, securely, and affordably. With its specific limits, it's solid for frequent, everyday remittances over high-value transfers. For most families supporting loved ones or paying routine expenses overseas, these limits strike the perfect balance between accessibility and compliance. If financial needs go beyond Taptap's caps, Wise is an excellent alternative. With higher ceilings, transparent fees, and mid-market exchange rates, Wise complements Taptap Send perfectly for larger or less frequent transfers. Get started with Wise today!

Sources

Sources verified on 08 January 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.