Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (2024)

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (1)4.3/5 from 231,434 reviews

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

Send money from Canada to the USA instead.

FINTRAC regulated

Learn more

Over 10 million customers

Read on Trustpilot

  • 2.49 USD

  • 4.05 USDOur fee

  • 6.54 USDTotal fees

  • =

    993.46 USDTotal amount we’ll convert

  • ×

    1.3494

Should arrive by Tuesday, 3 September

Get started

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (2)Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (3)

Save when you send money to Canada from the US

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 1,000 USD withRecipient gets(Total after fees)
Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (4)

1,340.53 CAD

Transfer fee

6.54 USD

Exchange rate(1 USD CAD)

1.34935

Exchange rate markup

0 USD

Cost of transfer

6.54 USD

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (5)

1,326.03 CAD- 14.50 CAD

Transfer fee

1.99 USD

Exchange rate(1 USD CAD)

1.32867

Exchange rate markup

15.32 USD

Cost of transfer

17.31 USD

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (6)

1,306.79 CAD- 33.74 CAD

Transfer fee

0 USD

Exchange rate(1 USD CAD)

1.30679

Exchange rate markup

31.54 USD

Cost of transfer

31.54 USD

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (7)

1,284.47 CAD- 56.06 CAD

Transfer fee

4.99 USD

Exchange rate(1 USD CAD)

1.29091

Exchange rate markup

43.31 USD

Cost of transfer

48.30 USD

Show more providers
Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (8)

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

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (9)

Enter amount to send in USD.

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

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (10)

Choose recipient in Canada.

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

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (11)

Send USD, receive CAD.

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

Create free account now

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

1

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.

2

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.

3

Add recipient’s bank details.

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

4

Verify your identity.

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

5

Pay for your transfer.

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

6

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.

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

Pay a small, flat fee and percentage

To send money in USD to Canada from the US, you pay a small, flat fee of 7.38 USD + 0.28% 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.

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (12)

Fees for our low cost transfers

Fixed fee

7.38 USD

Variable feeup to 26,254 USD/month

0.28%

Variable feemore than 26,254 USD/month

Discount applies

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (13)

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

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (14)

A money transfer from the US (USD) to Canada (CAD) should arrive by Tuesday, 3 September. 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.

Best ways to send money to Canada from the US

  • 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.
  • Apple Pay

    If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

  • Google Pay

    If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

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.

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 | Money Transfer to Canada from the US - Wise, formerly TransferWise (17)

Send money to Canada from the US with the Wise app

Looking for an app to send money to Canada from the US? 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

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (18)

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (19)Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (20)

Wise works nearly everywhere

Send money

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (21)

    Andorra

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (22)

    Argentina

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (23)

    Australia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (24)

    Austria

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (25)

    Bangladesh

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (26)

    Belgium

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (27)

    Botswana

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (28)

    Brazil

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (29)

    Bulgaria

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (30)

    Canada

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (31)

    Chile

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (32)

    China

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (33)

    Colombia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (34)

    Costa Rica

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (35)

    Croatia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (36)

    Cyprus

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (37)

    Czech Republic

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (38)

    Denmark

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (39)

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (40)

    Estonia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (41)

    Fiji

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (42)

    Finland

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (43)

    France

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (44)

    Georgia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (45)

    Germany

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (46)

    Ghana

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (47)

    Greece

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (48)

    Hong Kong

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (49)

    Hungary

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (50)

    India

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (51)

    Indonesia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (52)

    Ireland

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (53)

    Israel

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (54)

    Italy

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (55)

    Japan

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (56)

    Kenya

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (57)

    Latvia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (58)

    Liechtenstein

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (59)

    Lithuania

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (60)

    Luxembourg

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (61)

    Malaysia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (62)

    Malta

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (63)

    Mexico

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (64)

    Monaco

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (65)

    Morocco

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (66)

    Nepal

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (67)

    Netherlands

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (68)

    New Zealand

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (69)

    Nigeria

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (70)

    Norway

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (71)

    Pakistan

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (72)

    Philippines

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (73)

    Poland

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (74)

    Portugal

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (75)

    Romania

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (76)

    San Marino

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (77)

    Singapore

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (78)

    Slovakia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (79)

    Slovenia

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (80)

    South Africa

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (81)

    South Korea

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (82)

    Spain

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (83)

    Sri Lanka

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (84)

    Sweden

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (85)

    Switzerland

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (86)

    Tanzania

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (87)

    Thailand

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (88)

    Turkey

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (89)

    Uganda

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (90)

    Ukraine

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (91)

    United Arab Emirates

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (92)

    United Kingdom

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (93)

    United States

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (94)

    Uruguay

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (95)

    Vatican City

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (96)

    Vietnam

  • Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (97)

    Zambia

Let's answer some of your questions

Send Money to Canada from the US | Money Transfer to Canada from the US - Wise, formerly TransferWise (2024)

FAQs

Can I send money from US to Canada using Wise? ›

Looking for an app to send money to Canada from the US? 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.

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

Best ways to send money to Canada
  1. 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. ...
  2. Bank Transfer. ...
  3. Debit Card. ...
  4. Credit Card. ...
  5. Apple Pay. ...
  6. Google Pay.

Is TransferWise legal in Canada? ›

TransferWise Canada Inc. offers the service to Canadians and is registered with the Financial Transactions Reports Analysis Centre of Canada (“​FINTRAC​”) with number M15193392 and has a license with the Quebec Autorite des Marches (number 902804).

Can USA send e transfers to Canada? ›

Send money to Canada. Transfer money online via Interac e-Transfer and bank accounts* in Canada, starting from 1.99 USD. Fee: 1.99 USD, incl.

Can I zelle to Canada? ›

No. Zelle is not currently available in Canada. According to its website, to use the Zelle payment platform, “the sender and recipient's bank account must be based in the U.S.” When sending money via Zelle to a mobile phone number, it must be registered in the U.S.

Which Canadian banks work with Wise? ›

Wise is listed as a bill payee with these banks and credit unions in Canada:
  • Bank of Montreal.
  • National Bank of Canada.
  • Central 1 Credit Unions*
  • EQ Bank.
  • CS Alterna Bank.
  • Manulife Bank of Canada.
  • First Calgary Financial.

Can I transfer money from a US bank account to a Canadian bank account? ›

Yes. U.S. Bank processes electronic transfer funds via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions.

Is Wise a safe way to send money? ›

If you're considering using Wise for a payment or to hold a balance, it's natural to wonder if it's a legit service. The good news is that Wise is safe to use, whether you want to send or receive a payment, spend internationally, convert currencies or hold a balance.

How much money can be transferred from US to Canada? ›

Although Canada does not place any limits on how much money can be transferred to or from the country, international transactions of $10,000 or more are tracked by the Canadian government to prevent money laundering, terror financing, and other financial crimes.

Is Wise legit in Canada? ›

Wise is safe and secure.

Wise is an authorised Electronic Money Institution independently regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) in Canada.

What is the Wise limit in Canada? ›

What are the limits for my country or region?
CountryMonthly spending limitMonthly ATM withdrawal limit
Australia52,500 AUD7,000 AUD
Brazil120,000 BRL20,000 BRL
Canada55,000 CAD7,000 CAD
EU30,000 EUR4,000 EUR
6 more rows

Can I send money with Wise from the US? ›

You can send USD to any bank account in the US that accepts ACH payments or wire payments. You can also send USD to bank accounts outside the US using the Swift payment network. These payments can take up to 5 working days to arrive and may be more expensive than transfers inside the US.

How to send money from the US to Canada using Wise? ›

What you'll need for your online money transfer to Canada
  1. Register for free. Sign up online or in our app for free. ...
  2. Choose an amount to send. Tell us how much you want to send. ...
  3. Add recipient's bank details. Fill in the details of your recipient's bank account.
  4. Verify your identity. ...
  5. Pay for your transfer. ...
  6. That's it.

What is the best way to send money from the USA to Canada? ›

Wire transfer is convenient, easy and the best way to send money to Canada. They are mostly done by the banks but some online service providers offer it cheaply. They provide you with better exchange rates than what the banks offer.

Can you send money from the US to Canada through PayPal? ›

The short answer is… 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. However, the process differs slightly depending on whether or not both the sender and recipient have a PayPal account.

Does Wise charge a fee for international transfers? ›

We'll always charge a conversion fee if you send money to a different currency. To check how much the fee is, use our pricing page. Just type in the amount you want to send, and choose the currency you're sending from and to. We'll show you the exact fee you'll need to pay.

Is Wise safe to send money internationally? ›

If you're considering using Wise for a payment or to hold a balance, it's natural to wonder if it's a legit service. The good news is that Wise is safe to use, whether you want to send or receive a payment, spend internationally, convert currencies or hold a balance.

Can I Venmo someone in Canada? ›

No, you cannot send money to Canada with Venmo, as Venmo is available only in the US. The payment app only allows you to send money from one US bank account to another, meaning both the sender and the recipient must have US bank accounts. We recommend using Monito.com to compare alternatives instead.

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