Who can I send Canadian dollar (CAD) to?

You can send Canadian dollar (CAD) to any bank account in Canada.

What information do I need about my recipient?

If you’re sending to a bank account, you’ll need their: full name, up to 35 characters, using English characters (a–z) only 3-digit bank institution number 5-digit transit number 7–12 digit account number, without spaces If your recipient doesn’t know this information, here’s how to find their institution and transit number . If your recipient has a bank account that supports Interac, you can send them a transfer using their registered email address. When you set up your payment to Canadian dollar (CAD), just choose the Interac tab and enter this. But you won’t get this option if you’re sending from Singapore dollar (SGD), Australian dollar (AUD), New Zealand dollar (NZD), Brazilian real (BRL), and Indian rupee (INR).

How much can I send to Canada?

There’s no limit when you send Canadian dollar (CAD) to your recipient’s bank using a bank transfer. You can send up to 25,000 Canadian dollar (CAD) to an email address using Interac. Double-check if your bank offers this option first.

How long does a money transfer to Canada take?

Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Are there any restrictions on sending to Canadian dollar (CAD)?

You can’t send to brokerages or intermediary banks. You can only send to checking and savings accounts. You can’t send Canadian dollar (CAD) to Canadian US dollar (USD) accounts. Make sure your recipient’s bank account is in Canadian dollar (CAD).

Is there any other information I need to know?

The reference you type in for your recipient won’t show in their account. If you’d like them to see the reference, make sure you enter their email address correctly when you set up the transfer. If you’re sending Canadian dollar (CAD) by Interac, your recipient will get two emails: one from Interac with the link to claim the funds, and one from Wise with the PIN. If your recipient doesn’t claim the money in 3 calendar days, the payment gets refunded to you and you need to set up a new transfer.

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Send money to Canada

Save on your online money transfer to Canada from Japan. Transfer Japanese yen to Canadian dollar quickly, safely and join over 14.8 million people using Wise.

Send money from Canada to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

Rate guaranteed (52h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
1,594 JPY

Total included fees (0.80%)
1,594 JPY

You could save up to 7,381 JPY

Should arrive by Tuesday, November 18

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Canada

Save on your online money transfer to Canada from Japan. Transfer Japanese yen to Canadian dollar quickly, safely and join over 14.8 million people using Wise.

Send money from Canada to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

Rate guaranteed (52h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
1,594 JPY

Total included fees (0.80%)
1,594 JPY

You could save up to 7,381 JPY

Should arrive by Tuesday, November 18

Compare fees for when you send money to Canada

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 200,000 JPY with	Recipient gets(Total after fees)
	1,800.66 CAD
Transfer fee 1,594 JPY Exchange rate(1 CAD JPY) 110.185 Exchange rate markup 0 JPY Cost of transfer 1,594 JPY

	1,774.73 CAD- 25.93 CAD
Transfer fee 1,750 JPY Exchange rate(1 CAD JPY) 111.707 Exchange rate markup 2,724 JPY Cost of transfer 4,474 JPY

	1,757.10 CAD- 43.56 CAD
Transfer fee 3,500 JPY Exchange rate(1 CAD JPY) 111.832 Exchange rate markup 2,945 JPY Cost of transfer 6,445 JPY

	1,733.98 CAD- 66.68 CAD
Transfer fee 6,000 JPY Exchange rate(1 CAD JPY) 111.882 Exchange rate markup 3,032 JPY Cost of transfer 9,032 JPY

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

Amount

From

	Wise	Rakuten	SMBC	MUFG Bank
Recipient gets (Total after fees)	1,800.66 CAD	1,774.73 CAD	1,757.10 CAD	1,733.98 CAD
Exchange rate (1 CADJPY)	110.185	111.707	111.832	111.882
Exchange rate markup	0 JPY	2,724 JPY	2,945 JPY	3,032 JPY
Transfer fee	1,594 JPY	1,750 JPY	3,500 JPY	6,000 JPY
Total transfer cost	1,594 JPY	4,474 JPY	6,445 JPY	9,032 JPY

Show more providers

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

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Canada from Japan

Enter amount to send in JPY.

Pay in JPY with your debit card or credit card, or send the money from your online banking.

Choose recipient in Canada.

Select who you want to send money to and which pay-out method to use.

Send JPY, receive CAD.

The recipient gets money in CAD directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Canada

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Canada with WISE

The best way to send Japanese yen to Canadian dollar is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
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
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.

Cheapest way to send money to Canada from Japan

The cheapest way to send 200,000 JPY to Canada is by using money that's in your Wise account and costs 1,504 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

CAD

Sending 200,000 JPY	Transfer cost
Wise account	1,504 JPY

Bank transfer	1,594 JPY

Debit card	8,533 JPY

Fastest way to send money to Canada from Japan

Sending money with Wise is super fast: 70% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

JPY

CAD

Sending 200,000 JPY	Should arrive
Wise account	by Monday

Bank transfer	by Tuesday, November 18

Debit card	by Monday