Send money to the USA from Canada

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

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  • 2.39 CAD
  • 6.65 CADOur fee
  • 9.04 CADTotal fees

  • =
    990.96 CADTotal amount we’ll convert
  • ×

Compare the best money transfer rates to the USA from Canada

Sending 1,000.00 CAD withRecipient gets(Total after fees)Transfer feeExchange rate(1 CAD USD)
WiseCheapest734.06 USDSave up to 26.41 USD8.95 CAD0.740686Mid-market rate
Xe728.87 USD- 5.19 USD0.00 CAD0.728868
WorldRemit723.60 USD- 10.46 USD3.99 CAD0.726496
Scotiabank721.66 USD- 12.40 USD1.99 CAD0.723096
TD Bank721.25 USD- 12.81 USD0.00 CAD0.721251
OFX718.32 USD- 15.74 USD15.00 CAD0.729262
Royal Bank of Canada716.14 USD- 17.92 USD10.00 CAD0.723372
PayPal707.65 USD- 26.41 USD2.99 CAD0.709768

How to send money to the USA from Canada in 3 easy steps

What is the easiest way to send money with Wise?

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 wire transfer, ACH 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.

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

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

Pay a small, flat fee and percentage

To send money in CAD to the USA from Canada, you pay a small, flat fee of 3.40 CAD + 0.56% 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 fee
3.40 CAD
Variable feeup to 164,589 CAD/month
Variable feemore than 164,589 CAD/month

How long will a money transfer to the USA from Canada take?

A money transfer from Canada (CAD) to the USA (USD) should arrive in 9 hours. 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


Should arrive

in 9 hours

Best ways to send money to the USA from 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.
  • 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.

Protecting you and your money

    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.

    Audited regularly

    We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.

    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 from 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

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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

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