Save when you send money to Canada from the USA
| Sending 1,000.00 USD with | Recipient gets(Total after fees) | Transfer fee | Exchange rate(1 USD → CAD) |
|---|---|---|---|
 Cheapest | 1,325.61 CAD | 1.99 USD | 1.32825Mid-market rate |
 | 1,314.53 CAD- 11.08 CAD | 9.58 USD | 1.32725Mid-market rate |
 | 1,307.58 CAD- 18.03 CAD | 1.99 USD | 1.31019 |
 | 1,303.80 CAD- 21.81 CAD | 0.00 USD | 1.30380 |
 | 1,301.15 CAD- 24.46 CAD | 0.00 USD | 1.30115 |
 | 1,297.50 CAD- 28.11 CAD | 2.99 USD | 1.30140 |
 | 1,296.85 CAD- 28.76 CAD | 0.00 USD | 1.29685 |
 | 1,281.10 CAD- 44.51 CAD | 5.00 USD | 1.28754 |
No hidden fees
We’re on a mission to bring transparency to finance,for people without borders.We charge as little as possible, and we always show you upfront. No hidden fees. No bad exchange rates. No surprises.How do we collect this data?
How to send money to Canada from the USA 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.
How to send money to Canada from the USA
How to send money to Canada from the USA
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, swift or your debit or credit card.
- 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 Canada from the USA
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 USA?
Pay a small, flat fee and percentage
To send money in USD to Canada from the USA, you pay a small, flat fee of 4.33 USD + 0.53% 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
4.33 USD
Variable feeup to 127,205.00 USD/month
0.53%
Variable feemore than 127,205.00 USD/month
How long will a money transfer to Canada from the USA take?
A money transfer from the USA (USD) to Canada (CAD) should arrive by Wednesday, 27 December. 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 Wednesday, 27 December
Best ways to send money to Canada from the USA
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.
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 Canada from the USA with the most international app
Looking for an app to send money to Canada from the USA? 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.
Wise works nearly everywhere
Send money
See why customers choose Wise for their international money transfers
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.
Reviews from:
Let's answer some of your questions
As a seasoned financial expert with a keen interest in international money transfers, I'm well-versed in the intricacies of the industry and can confidently dissect the details provided in the article about sending money from the USA to Canada via Wise.
The information presented revolves around Wise, a renowned financial platform, and its features for facilitating online money transfers. Let's break down the key concepts:
Wise Overview:
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Rating and Reviews: The article mentions a rating of 4.2 out of 5 from 201,403 reviews. This signifies a high level of customer satisfaction and trust in Wise's services.
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Features: The service boasts being fast, low-cost, and secure for online money transfers between the USA and Canada. It emphasizes being FINTRAC regulated, ensuring compliance with Canadian financial regulations.
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Customer Base: With over 16 million customers, Wise has established itself as a popular choice for international money transfers.
Transaction Details:
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Currency Exchange: The article provides a detailed breakdown of a sample transaction from USD to CAD, including the amount sent, fees, and the exchange rate applied.
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Fee Structure: Wise operates on a transparent fee structure, with a small flat fee and a percentage of the converted amount. There are no hidden fees, aligning with Wise's commitment to transparency.
Sending Process:
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User-Friendly Process: The article outlines a simple three-step process for sending money from the USA to Canada through Wise. It highlights the ease of use, local payment options, and the conversion at the 'inter-bank' rate.
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Account Creation: Wise encourages users to create a free account, requiring only basic information such as an email address or Google/Facebook account.
Cost and Transfer Time:
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Cost Breakdown: The cost to transfer money is transparently presented, covering fixed fees, variable fees based on the transfer amount, and potential discounts for larger transfers.
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Transfer Time: Wise provides an estimated arrival date for the money transfer, and it emphasizes the possibility of same-day or instant transfers on popular routes.
Payment Methods:
- Payment Options: The article explains various payment methods, including Direct Debit, Bank Transfer, Debit Card, and Credit Card. It offers insights into the advantages and considerations for each option.
Security Measures:
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Financial Safeguards: Wise assures customers that their money is held with established financial institutions, separate from Wise's accounts. Regular audits and extra-secure transactions with 2-factor authentication contribute to the platform's security.
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Data Protection: The article highlights Wise's commitment to data protection and its transparency in handling personal data.
Global Reach:
- International Coverage: Wise is presented as an international app that allows money transfers to a wide range of countries. It emphasizes being a cost-effective option with transparent exchange rates.
Customer Testimonials:
- Trustpilot Reviews: Real customer reviews from Trustpilot are showcased, emphasizing positive experiences with Wise's speed, reliability, ease of use, and competitive rates.
In conclusion, Wise positions itself as a transparent, cost-effective, and reliable option for international money transfers, backed by a substantial customer base and positive reviews. The provided information serves as a comprehensive guide for users looking to transfer money from the USA to Canada through Wise.
