Free and Instant Money Transfers Between Canada and the U.S. (2024)

Free and Instant Money Transfers Between Canada and the U.S. (1)

The fastest way to send money cross-border

This quick and easy foreign exchange tool shows you the value of your U.S. and Canadian dollars. Try it out before sending money to the U.S. or back to Canada to see what your money is worth today.

Free and Instant Money Transfers Between Canada and the U.S. (2)

The fastest way to send money cross-border

This quick and easy foreign exchange tool shows you the value of your U.S. and Canadian dollars. Try it out before sending money to the U.S. or back to Canada to see what your money is worth today.

$CAD Canadian Dollar

Rate:

$USD US Dollar

Rate:

Non-cash rates as of

Non-cash rates apply to the conversion of paper and electronic instruments such as checks, drafts, wire transfers, and online banking transfers through RBC Bank (U.S.).

CAD <> USD exchange calculator

Start Moving Money

Start Moving Money

Cross-border money transfers made easy

Whether you're sending money to the U.S. or Canada, take a load off with RBC Cross-Border Banking. For over 20 years, we've been providing secure and easy U.S. banking to over 450,000 Canadians who live, travel, shop and work in the U.S.

Free and Instant Money Transfers Between Canada and the U.S. (3)

Instant money transfers and foreign exchangeDisclaimer1

What's faster than fast? Instant money transfers. No guessing on the exchange rate or waiting days for a money transfer to go through.

Free and Instant Money Transfers Between Canada and the U.S. (4)

Unlimited, free money transfersDisclaimer1

Transfer up to $25,000 USD at a time, as many times as you need. And when we say free, we mean free. No more money transfer fees, expensive wire transfers or bank drafts.

Free and Instant Money Transfers Between Canada and the U.S. (5)

No-fee U.S. banking for your first yearDisclaimer29

When you open an RBC Bank U.S. Direct Checking account and apply for a no annual fee RBC Bank U.S. credit card,Disclaimer20 we'll waive your banking fees for the first year.

Free and Instant Money Transfers Between Canada and the U.S. (6)

Instant money transfers and foreign exchangeDisclaimer1

What's faster than fast? Instant money transfers. No guessing on the exchange rate or waiting days for a money transfer to go through.

Free and Instant Money Transfers Between Canada and the U.S. (7)

Unlimited, free money transfersDisclaimer1

Transfer up to $25,000 USD at a time, as many times as you need. And when we say free, we mean free. No more money transfer fees, expensive wire transfers or bank drafts.

Free and Instant Money Transfers Between Canada and the U.S. (8)

No-fee U.S. banking for your first yearDisclaimer29

When you open an RBC Bank U.S. Direct Checking account and apply for a no annual fee RBC Bank U.S. credit card,Disclaimer20 we'll waive your banking fees for the first year.

Say goodbye to wire transfers, bank drafts and trips to the branch

Say goodbye to wire transfers, bank drafts and trips to the branch

Free and Instant Money Transfers Between Canada and the U.S. (9)

Send money instantlyDisclaimer1

Send up to $25,000 USD in a single money transfer through online banking or the RBC Mobile App. Plus, do it all from the comfort of your couch, your cottage or your car. No more waiting three business days on a wire transfer.

Free and Instant Money Transfers Between Canada and the U.S. (10)

Use ATMs from sea to shining seaDisclaimer4

With RBC Bank, you get free access to over 50,000 no-fee ATMs across the U.S. Don't have money in your U.S. account? Just transfer money from your Canadian account through online banking – as many times as you want from either side of the border.

Free and Instant Money Transfers Between Canada and the U.S. (11)

Save on foreign exchange feesDisclaimer19

Swipe your U.S. credit card and forget about foreign exchange feesDisclaimer3 – no need to travel with wads of cash. Pay your bills and credit card all online.

Free and Instant Money Transfers Between Canada and the U.S. (12)

Send money instantlyDisclaimer1

Send up to $25,000 USD in a single money transfer through online banking or the RBC Mobile App. Plus, do it all from the comfort of your couch, your cottage or your car. No more waiting three business days on a wire transfer.

Free and Instant Money Transfers Between Canada and the U.S. (13)

Use ATMs from sea to shining seaDisclaimer4

With RBC Bank, you get free access to over 50,000 no-fee ATMs across the U.S. Don't have money in your U.S. account? Just transfer money from your Canadian account through online banking – as many times as you want from either side of the border.

Free and Instant Money Transfers Between Canada and the U.S. (14)

Save on foreign exchange feesDisclaimer19

Swipe your U.S. credit card and forget about foreign exchange feesDisclaimer3 – no need to travel with wads of cash. Pay your bills and credit card all online.

Online money transfers are only the beginning

Snowbirds, international students and travelers, rejoice! Transferring money between Canada and the U.S. has never been easier, and we can help with more than money transfers. Send money to the U.S., pay your U.S. bills and even shop online, all while avoiding the endless fees and charges you might incur with international wire transfers.

  • Send money instantly to the U.S. Disclaimer1
  • Send money person-to-person in the U.S.
  • Send money to Canada
  • Pay off your American bills (and credit card)
  • Shop online
  • Earn rewards

Free and Instant Money Transfers Between Canada and the U.S. (21)

Easily move money to the U.S.

Sending money to the U.S. is a cinch with RBC Cross-Border Banking. Send as many money transfers between your U.S. and Canadian RBC accounts as you need, all for free. That's right – transfer USD to CAD and CAD to USD… for free. Free money transfers? Can't complain about that.

Watch: Easy Cross-Border Money Transfers

Free and Instant Money Transfers Between Canada and the U.S. (22)

Send money to friends and family

Now that you've transferred money to your U.S. account, the world is your oyster! You can easily transfer money person-to-person using 3rd party apps like Venmo, PayPal, Apple Cash and Cash App.Disclaimer39 All you need is RBC Cross-Border Banking and a U.S. SIM card for your U.S. cell number.

Free and Instant Money Transfers Between Canada and the U.S. (23)

Move money back to Canada

Did you transfer too much money to your U.S. account? Or are you earning money in the U.S. and want to send some back home? It doesn't matter the reason – you can easily transfer money back to your Canadian RBC account, free of charge. Your U.S. banking comes with U.S. routing and account numbers, allowing you to bank just like an American.

Free and Instant Money Transfers Between Canada and the U.S. (24)

Pay U.S. bills online

Paying bills across borders can be a pain, but not with RBC Cross-Border Banking. After you transfer money to your U.S. account, you can pay U.S. bills with ease online. Better yet – you can easily pay off your U.S. credit card in a few clicks. How's that for pain relief?

Free and Instant Money Transfers Between Canada and the U.S. (25)

Shop U.S. retailers online

Love to shop in the U.S. but not planning a trip anytime soon? No problem – just do your U.S. shopping online with your U.S. credit card. Or, instantly transfer money to your U.S. account and use your U.S. Visa Debit to shop online at U.S. retailers.Disclaimer1 Take advantage of currency fluctuations and say goodbye to foreign transaction fees.Disclaimer19

Free and Instant Money Transfers Between Canada and the U.S. (26)

Earn and redeem Avion Rewards

If the joys of unlimited free money transfersDisclaimer1 aren't enough for you, we've got more! While you're busy shopping online and paying U.S. bills with your Visa Signature Black credit card, you'll be earning flexible rewards. Earn 1 point for every $1 spentDisclaimer6 and redeem for unlimited 1.00% cash back,Disclaimer24 travel, gift cards or merchandise. Free money transfersDisclaimer1 and credit card rewards? Say no more.

Perks on perks on perks

Free, unlimited money transfersDisclaimer1 are only the beginning. Enjoy our offers and perks – available on both sides of the border. It's just one more way you can save money while at home or visiting the land of the free.

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Get rewarded for the things you do every day

Earn Avion points with your account.Disclaimer6

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Shop U.S. deals online and have them sent to your door

Get a two-year free membership and 20% discount on your first shipment with MyUS.com,Disclaimer39 then get 15% off all future shipments.

Build your own cross-border bundle

With free money transfers galore, a rewards credit card and one year of $0 monthly fee banking,Disclaimer13 you'll be ready to conquer the beach, the slopes or the city. Join over 450,000 clients and take advantage of our free and instant money transfers. Just answer a few simple questions to build your very own cross-border banking bundle. We’ll suggest the best bank account and credit card based on your needs.

Build My Bundle

Free and Instant Money Transfers Between Canada and the U.S. (2024)

FAQs

How to send money from Canada to the US for free? ›

Sending money to the U.S. is a cinch with RBC Cross-Border Banking. Send as many money transfers between your U.S. and Canadian RBC accounts as you need, all for free. That's right – transfer USD to CAD and CAD to USD… for free.

What is the easiest way to transfer money between US and Canada? ›

Transfer money online with a credit card or debit card
  1. Wise: Bank transfer, card (debit or credit), SWIFT, Google Pay or Apple Pay.
  2. XE: Online.
  3. Remitly: Bank transfer or card (debit, credit, and prepaid)
  4. Currencies Direct: Bank transfer or debit card.
  5. Western Union: Bank transfer or card (debit or credit)

How do I transfer money from a Canadian to US account? ›

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.

Can you send an e-transfer from Canada to the US? ›

You can use Interac e-Transfers to send money to anyone in Canada who has an account with a participating financial institution. However, since Interac is a Canadian interbank network, e-transfers are not available outside of the country.

Can I send money from Canada to the US using Zelle? ›

Zelle is only available for customers with a US bank account and US registered mobile number. That means it's not an option for sending international payments to friends and family overseas.

Can I Venmo from Canada? ›

Venmo Isn't Available In Canada

Venmo is only available for users in the United States.

How much does Western Union charge to send $1000? ›

Sending a Western Union money transfer costs $5 + 1% for any amount between $0 –$300.99 and $5 + 1.75% for amounts between $301 –$999.99 of the money transfer.

Does Canada have Cash App? ›

It boasts of features like instant transfers, low fees, and a user-friendly interface. However, it is only available in the United States and the United Kingdom, which is a disadvantage for Canadians seeking a similar experience. Fortunately, there are alternatives and here are some popular options.

Can I send money from Canada to the US using PayPal? ›

Yes, it's possible to send money from Canada to the US using PayPal. The United States is the most popular destination for international payments originating in Canada, and PayPal, with 300 million customers, is one of the world's most popular P2P mobile transfer platforms.

Can I send money from Canada to the US using Apple Pay? ›

Sending and receiving money with Apple Pay and the Apple Cash* card are available only in the U.S. These services are provided by Green Dot Bank, member FDIC. In some countries and regions, Business Chat will become available to businesses on a rolling schedule.

How to send money internationally for free? ›

OFX. OFX does not charge any fees, and the exchange rate is less than 1%, but all transfers must occur within bank accounts, and it typically takes two to four days for your recipient to get the money. The company can transfer money to over 170 countries or 50-plus currencies.

How long does a wire transfer take from Canada to the US? ›

How long does a wire transfer take between the US and Canada? A wire transfer from Canada to the US should take between 1 to 5 business days to complete. Likewise, it would take the same amount of time for wire transfers from the US to Canada.

How can I send money from Canada to USA fast? ›

If you need to transfer money to your receiver quickly, sending money from Canada to the USA for cash pickup is a fast and convenient option. Simply pay by credit2/debit card or bank transfer and the money should be ready for cash pickup in minutes3. To pay by credit2/debit card to send money from Canada to the US: 1.

How to send money from USA to Canada instantly? ›

Set up your free Western Union profile online, then log in. Click 'Send now' to start the money transfer process. Enter an amount and select Canada as your destination. Choose your receiver's preferred payout method and enter their information.

How to receive money from Canada? ›

How to receive money from Canada.
  1. Create your Wise account. Sign up to Wise and verify your identity in a few steps. ...
  2. Choose how to get paid. Pick CAD as the currency you wish to receive to your Wise account. ...
  3. Share your new CAD account details and get paid like a local.

Can you PayPal from Canada to the US? ›

yes! Paypal is available in over 200 different countries, giving companies the option to make cross-border payments and transfers via the app or website at PayPal.com.

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