4.3/5 from 227,183 reviews

Send money to Canada

Q: Best way to send money to Canada?

Choosing the right way to send 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.

Q: How much can I send to Canada online?

Yes, there are limits for how much you can send {toDestination} with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in our help center articles or in our calculator . We’ll also let you know if you try to send too much at one time. If you’d like to send more than our limits allow, you can. You’ll just need to set up several transfers that are under the limits.

Q: How to transfer money to Canada online?

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. 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. Add recipient's bank details Fill in the details of your recipient's bank account. If you don't know their details, we can request them for you. Verify your identity For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe. Pay for your transfer Depending on your currency combination and amount, supported payment methods can include bank transfer, debit or credit cards and others. 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.

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

Send money from Canada to the USA instead.

Millions of happy customers

See what they have to say

Is Wise safe?

Yes, here’s why

You send exactly

2.79 USD
4.55 USDOur fee
–
7.34 USDTotal fees
=
992.66 USDTotal amount we’ll convert
×
1.3837

Recipient gets

Should arrive by Monday

Get started

Save when you send money to Canada

Sending 1,000 USD with	Recipient gets(Total after fees)
	1,373.60 CAD
Transfer fee 0 USD Exchange rate(1 USD CAD) 1.37360 Exchange rate markup 7.26 USD Cost of transfer 7.26 USD

	1,373.49 CAD- 0.11 CAD
Transfer fee 7.34 USD Exchange rate(1 USD CAD) 1.38365 Exchange rate markup 0 USD Cost of transfer 7.34 USD

	1,369.50 CAD- 4.10 CAD
Transfer fee 0 USD Exchange rate(1 USD CAD) 1.36950 Exchange rate markup 10.23 USD Cost of transfer 10.23 USD

	1,361.26 CAD- 12.34 CAD
Transfer fee 1.99 USD Exchange rate(1 USD CAD) 1.36397 Exchange rate markup 14.22 USD Cost of transfer 16.21 USD

	1,357.40 CAD- 16.20 CAD
Transfer fee 0 USD Exchange rate(1 USD CAD) 1.35740 Exchange rate markup 18.97 USD Cost of transfer 18.97 USD

	1,352.40 CAD- 21.20 CAD
Transfer fee 2.99 USD Exchange rate(1 USD CAD) 1.35646 Exchange rate markup 19.65 USD Cost of transfer 22.64 USD

	1,349.90 CAD- 23.70 CAD
Transfer fee 0 USD Exchange rate(1 USD CAD) 1.34990 Exchange rate markup 24.39 USD Cost of transfer 24.39 USD

	1,349.68 CAD- 23.92 CAD
Transfer fee 0 USD Exchange rate(1 USD CAD) 1.34968 Exchange rate markup 24.55 USD Cost of transfer 24.55 USD

	1,339.81 CAD- 33.79 CAD
Transfer fee 0 USD Exchange rate(1 USD CAD) 1.33981 Exchange rate markup 31.68 USD Cost of transfer 31.68 USD

	1,335.43 CAD- 38.17 CAD
Transfer fee 5 USD Exchange rate(1 USD CAD) 1.34214 Exchange rate markup 30.00 USD Cost of transfer 35.00 USD

	1,318.57 CAD- 55.03 CAD
Transfer fee 4.99 USD Exchange rate(1 USD CAD) 1.32518 Exchange rate markup 42.25 USD Cost of transfer 47.24 USD

	1,309.76 CAD- 63.84 CAD
Transfer fee 1.99 USD Exchange rate(1 USD CAD) 1.31237 Exchange rate markup 51.52 USD Cost of transfer 53.51 USD

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

How to send money to Canada in 3 easy steps

Enter amount to send in USD.

Pay in USD 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 USD, receive CAD.

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

Create free account now

How much does it cost to transfer money to Canada?

Pay a small, flat fee and percentage

To send money in USD to Canada, you pay a small, flat fee of 7.38 USD + 0.33% 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.

Fees for our low cost transfers

Fixed fee

7.38 USD

Variable feeup to 128,675 USD/month

0.33%

Variable feemore than 128,675 USD/month

Discount applies

How long will a money transfer to Canada take?

A money transfer from the US (USD) to Canada (CAD) 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

USD

CAD

Should arrive

by Monday

What you’ll need for your online money transfer to Canada

Register for free.

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.

Add recipient’s bank details.

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

Verify your identity.

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

Pay for your transfer.

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

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 to Canada

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.

Trust Wise with safe & secure money transfers to Canada

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 Canada from the US with the Wise app

Looking for an app to send money to Canada? 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