Fast, low-cost, and secure online money transfers from the United States to Canada.
Many banks add 3% or more in hidden fees to the exchange rate — and it quickly adds up on large transfers. Worst of all, this fee is hard to spot unless you know to look.
With Wise, the price you see is the price you pay. No hidden fees. We lower our percentage fee on large transfers too — so the more you send, the more you save.
We keep your money with leading financial institutions like JP Morgan Chase, Deutsche Bank, and Barclays.
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We use two factor authentication to protect your account. That means only you can get to your money.
At Wise, we never hide extra fees and charges in the exchange rate. We just use the exchange rate – independently provided by Reuters. That means fair, low-cost transfers, every time.
Compare Wise exchange rates and fees with some of the biggest money transfer and remit services, such as Barclays, MoneyGram or WorldRemit.
Pay in USD with your debit card or credit card, or send the money from your online banking.
Wise always gives you the real and fair mid-market exchange rate.
The recipient gets money in their currency directly from Wise's local bank account.
To send money in USD to Canada, you pay a small, flat fee of 6.3 USD + 0.47% of the amount that's converted (you'll always see the total cost upfront).
Some payment methods have an added fee, but that's usually tiny too.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
| Wise Fees | |
|---|---|
| Fixed fee | 6.3 USD |
| % fee for transfers up to 138,190 USD | 0.47% |
| % fee for transfers up to 414,570 USD | 0.37% |
| % fee for transfers up to 690,950 USD | 0.32% |
| % fee for transfers up to 1,381,900 USD | 0.31% |
| % fee for amounts over 1,381,900 USD | 0.3% |
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.
Wise makes transferring money to Canada a breeze:
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.
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.
Here are the best ways to transfer money to Canada with Wise:
Click 'Sign up', then create your free account. It takes seconds. You can do it on our website or with our app. All you need is an email address, or a Google or Facebook account.
Use our calculator to tell us how much money you want to send, and where you want to send it. You'll see our fees upfront. We'll tell you when your money should get there, too.
We'll ask you if you're sending money as an individual or business. We'll also need your full name, birthday, phone number, and address. You know, the standard stuff.
Yourself? Someone else? A business or charity? Pick your answer. Then we'll ask you for some basic information about your recipient, including their bank details. They need a bank account, but they don't need a Wise account. (Though we hope they'll want one soon.)
We'll show you a summary of your transfer. If everything looks good, click Confirm. You can also make any changes you need to.
Would you like to pay by wire transfer? Debit or credit card?Make your choice, and we'll tell you how to do it. Each payment method has its own steps, but they're all straightforward and should only take a few minutes.
Wise is an authorised Electronic Money Institution independently regulated by the Financial Crimes Enforcement Network (FinCEN) in the United States.
This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.
We're trusted by 8 million people and counting.
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
Transfer your United States dollar to Canadian dollar today with Wise.
Create free account nowIf 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.
