International money transfers

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  • 3.99 USD
  • 10.32 USDOur fee
  • 14.31 USDTotal fees

  • =
    1,985.69 USDTotal amount we’ll convert
  • ×

Find out how much it costs to send money abroad

Sending 2,000.00 USD withRecipient gets(Total after fees)Transfer feeExchange rate(1 USD CAD)
WiseCheapest2,661.02 CADSave up to 112.07 CAD14.31 USD1.34010Mid-market rate
Xe2,648.49 CAD-12.53 CAD0.00 USD1.32424
Western Union2,636.71 CAD-24.31 CAD0.00 USD1.31836
OFX2,632.40 CAD-28.62 CAD0.00 USD1.31620
WorldRemit2,623.71 CAD-37.31 CAD2.99 USD1.31382
Xoom2,607.38 CAD-53.64 CAD0.00 USD1.30369
Chase (US)2,589.96 CAD-71.06 CAD5.00 USD1.29823
Wells Fargo2,578.16 CAD-82.86 CAD1.28 USD1.28991
Moneygram2,567.93 CAD-93.09 CAD5.99 USD1.28782
PayPal2,548.95 CAD-112.07 CAD4.99 USD1.27766

How much does it cost to transfer USD to CAD?

Pay a small, flat fee and percentage

To send money in USD to CAD, you pay a small, flat fee of 4.31 USD + 0.48% 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.

Fixed fee4.31 USD
Variable fee
up to 120,535.00 USD/month
Variable fee
more than 120,535.00 USD/month
Discount applies

How long will a money transfer take?

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

Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

Your transfer route


Should arrive

by Monday

How to send money from USD to CAD

  1. 1. Register for free.

    Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.

  2. 2. Choose an amount to send.

    Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

  3. 3. Add recipient’s bank details.

    Fill in the details of your recipient’s bank account.

  4. 4. Verify your identity.

    For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

  5. 5. Pay for your transfer.

    Send your money with a bank debit (ACH), wire transfer, or a debit or credit card.

  6. 6. That’s it.

    We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

Best ways to send money internationally

Choosing the right way to transfer money with Wise will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper.

Here are the best ways to do an international money transfer with Wise:

  • 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.

  • 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.

  • 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.


Protecting you and your money

Every month, our customers trust us to move over £9 billion of their money. Here are some of the important ways we protect them.

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

Trustpilot score 4.4 out of 5, from 185,246 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

Frequently asked questions

Let's answer some of your questions