Send money to the USA

Fast, low-cost, and secure online money transfers from Canada to the USA.

FINTRAC regulated
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Over 16 million customers
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  • 2.39 CAD
  • 6.45 CADOur fee
  • 8.84 CADTotal fees
  • =
    991.16 CADTotal amount we’ll convert
  • ×
    0.7274

Compare the best money transfer service to the USA

Sending 1,000 CAD withRecipient gets(Total after fees)and transfer speed
Xe
723.08 USD
Transfer fee
0 CAD
Exchange rate(1 CAD USD)
0.723080
Exchange rate markup
5.91 CAD
Cost of transfer
5.91 CAD

Wise
720.95 USD- 2.13 USD
Transfer fee
8.84 CAD
Exchange rate(1 CAD USD)
0.727379
Exchange rate markup
0 CAD
Cost of transfer
8.84 CAD

Remitly
720.84 USD- 2.24 USD
Transfer fee
1.99 CAD
Exchange rate(1 CAD USD)
0.722274
Exchange rate markup
7.02 CAD
Cost of transfer
9.01 CAD

RBC Royal Bank of Canada
711.42 USD- 11.66 USD
Transfer fee
0 CAD
Exchange rate(1 CAD USD)
0.711418
Exchange rate markup
21.94 CAD
Cost of transfer
21.94 CAD

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?
globe

How to send money to the USA in 3 easy steps

Large amount of currency illustration

Get dedicated support for large transfers

Moving big money? Get our how to guide and start a chat with our team of large-amount experts.

Get started with large transfers

How to send money to the USA from Canada

How to send money to the USA from Canada

  1. Just tap in how much, and where to.
  2. Then make a local payment to Wise, whether it's with a bank transfer, swift or your debit or credit card.
  3. And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

How much does it cost to transfer money to the USA?

Pay a small, flat fee and percentage

To send money in CAD to the USA, you pay a small, flat fee of 3.40 CAD + 0.54% of the amount that's converted (you'll always see the total cost upfront).


Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.


No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Wise
Fees for our low cost transfers
Fixed fee
3.40 CAD
Variable feeup to 170,111 CAD/month
0.54%
Variable feemore than 170,111 CAD/month

How long will a money transfer to the USA take?

A money transfer from Canada (CAD) to the USA (USD) should arrive by Monday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

CAD
USD

Should arrive

by Monday

What you’ll need for your online money transfer to the USA

Best ways to send money to the USA

  • 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.
  • 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.
  • 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.

Trust Wise with safe & secure money transfers to the USA

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.

Online scams are on the rise. Learn how to stay safe.

Send money to the USA from Canada with the most international app

Looking for an app to send money to the USA? 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.
Learn more about the Wise app

Trustpilot score 4.3 out of 5, from 216,246 reviews

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.

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