Send money overseas
Send money overseas from our website or mobile app, in just a few clicks.
Should arrive by Wednesday
Compare the best money transfer rates
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.
At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
How do we select providers and collect this data?| Sending 1,000 CAD with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 708.27 USD | ||||||||||
Transfer fee 7.40 CAD Exchange rate(1 CAD USD) 0.713547 Exchange rate markup 0 CAD Cost of transfer 7.40 CAD | |||||||||||
 | 701.22 USD- 7.05 USD | ||||||||||
Transfer fee 0 CAD Exchange rate(1 CAD USD) 0.701225 Exchange rate markup 17.27 CAD Cost of transfer 17.27 CAD | |||||||||||
 | 697.48 USD- 10.79 USD | ||||||||||
Transfer fee 1.99 CAD Exchange rate(1 CAD USD) 0.698867 Exchange rate markup 20.57 CAD Cost of transfer 22.56 CAD | |||||||||||
 | 694.83 USD- 13.44 USD | ||||||||||
Transfer fee 0 CAD Exchange rate(1 CAD USD) 0.694830 Exchange rate markup 26.23 CAD Cost of transfer 26.23 CAD | |||||||||||
 | 678.73 USD- 29.54 USD | ||||||||||
Transfer fee 2.99 CAD Exchange rate(1 CAD USD) 0.680761 Exchange rate markup 45.95 CAD Cost of transfer 48.94 CAD | |||||||||||
How to send money overseas in 3 easy steps
Enter amount to send in CAD.
Pay in CAD with your debit card or credit card, or send the money from your online banking.
Choose recipient .
Select who you want to send money to and which pay-out method to use.
Send CAD, receive USD.
The recipient gets money in USD directly from Wise’s local bank account.
Money transfer fees
How much does it cost to send money overseas?
To send money overseas with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always shows you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Delivery time for money transfers overseas from Canada
90% of all money transfers from Canada are delivered in 1 business day from the moment we receive payment.
We do everything to complete your money transfer as soon as possible - the final delivery time of your transfer depends on your chosen payment method, where are you sending to and from or when your payment arrives to our account.
As a FinCEN regulated company we occasionally need to run security checks and request extra documentation, which might have impact on your delivery time.
Your transfer route
Should arrive
by WednesdayBest ways to send money internationally
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.Direct Debit
Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Protecting you and your money
Safeguarded with leading banks
We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
Extra-secure transactions
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
Data protection
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Send money overseas with the Wise app
Looking for an app to send money overseas? Sending money is easy with Wise app.
- Cheaper transfers abroad - free from hidden fees and exchange rate markups.
- Check exchange rates - see on the app how exchange rates have changed over time.
- Repeat your previous transfers - save the details, and make your monthly payments easier.
Wise works nearly everywhere
- United States dollarRouting number, Swift/BIC, Account number, and Account typeGet USD account details
- United Arab Emirates dirham
- Australian dollar
- Bangladeshi taka
- Bulgarian lev
- Canadian dollar
- Swiss franc
- Chilean peso
- Chinese yuan
- Costa Rican colón
- Czech koruna
- Danish krone
- Egyptian pound
- Euro
- British pound
- Georgian lari
- Hong Kong dollar
- Hungarian forint
- Indonesian rupiah
- Israeli shekel
- Indian rupee
- Japanese yen
- Kenyan shilling
- South Korean won
- Sri Lankan rupee
- Moroccan dirham
- Mexican peso
- Malaysian ringgit
- Nigerian naira
- Norwegian krone
- Nepalese rupee
- New Zealand dollar
- Philippine peso
- Pakistani rupee
- Polish złoty
- Romanian leu
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- Tanzanian shilling
- Ukrainian hryvnia
- Ugandan shilling
- United States dollar
- Uruguayan peso
- Vietnamese dong
- West African CFA franc
- South African rand
See why customers choose Wise for their international money transfers
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.
