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Send money to the USA from Canada

Q: Best way to send money to the USA from Canada?

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.

Q: How much can I send to the USA from Canada online?

Yes, there are limits for how much you can send to the USA with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in our help center articles or in our calculator . We’ll also let you know if you try to send too much at one time. If 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.

Q: How to transfer money to the USA from Canada online?

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. 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. Add recipient’s bank details Fill in the details of your recipient’s bank account. If you don’t know their details, we can request them for you. Verify your identity For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe. Pay for your transfer Send your money with a bank transfer, or a debit or credit card. 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.

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

Send money from the USA to Canada instead.

Millions of happy customers

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Is Wise safe?

Yes, here’s why

You send exactly

0.31 CAD
7.39 CADOur fee
–
7.70 CADTotal fees
=
992.30 CADTotal amount we’ll convert
×
0.7314

Recipient gets

Should arrive by Monday, May 13

Get started

Compare the best money transfer rates to the USA from Canada

Sending 1,000 CAD with	Recipient gets(Total after fees)
Cheapest	725.80 USD
Transfer fee 0 CAD Exchange rate(1 CAD USD) 0.725800 Exchange rate markup 7.61 CAD Cost of transfer 7.61 CAD

	725.74 USD- 0.06 USD
Transfer fee 7.70 CAD Exchange rate(1 CAD USD) 0.731368 Exchange rate markup 0 CAD Cost of transfer 7.70 CAD

	724.75 USD- 1.05 USD
Transfer fee 1.99 CAD Exchange rate(1 CAD USD) 0.726200 Exchange rate markup 7.07 CAD Cost of transfer 9.06 CAD

	722.60 USD- 3.20 USD
Transfer fee 0 CAD Exchange rate(1 CAD USD) 0.722600 Exchange rate markup 11.99 CAD Cost of transfer 11.99 CAD

	716.22 USD- 9.58 USD
Transfer fee 0 CAD Exchange rate(1 CAD USD) 0.716216 Exchange rate markup 20.72 CAD Cost of transfer 20.72 CAD

	715.11 USD- 10.69 USD
Transfer fee 3.99 CAD Exchange rate(1 CAD USD) 0.717974 Exchange rate markup 18.31 CAD Cost of transfer 22.30 CAD

	712.33 USD- 13.47 USD
Transfer fee 0 CAD Exchange rate(1 CAD USD) 0.712328 Exchange rate markup 26.03 CAD Cost of transfer 26.03 CAD

	711.45 USD- 14.35 USD
Transfer fee 1.99 CAD Exchange rate(1 CAD USD) 0.712870 Exchange rate markup 25.29 CAD Cost of transfer 27.28 CAD

	704.87 USD- 20.93 USD
Transfer fee 15 CAD Exchange rate(1 CAD USD) 0.715600 Exchange rate markup 21.56 CAD Cost of transfer 36.56 CAD

	699.09 USD- 26.71 USD
Transfer fee 2.99 CAD Exchange rate(1 CAD USD) 0.701191 Exchange rate markup 41.26 CAD Cost of transfer 44.25 CAD

This applies when you pay in via bank transfer. How do we collect this data?

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

Enter amount to send in CAD.

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

Choose recipient in the USA.

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

Send CAD, receive USD.

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

Create free account now

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

Register for free.

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.

Add recipient’s bank details.

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

Verify your identity.

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

Pay for your transfer.

Send your money from Direct debit, wire transfer, Bill payment, or a debit or credit card.

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 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 2.64 CAD + 0.51% 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.

Fees for our low cost transfers

Fixed fee

2.64 CAD

Variable feeup to 171,254 CAD/month

0.51%

Variable feemore than 171,254 CAD/month

Discount applies

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

A money transfer from Canada (CAD) to the USA (USD) should arrive by Monday, May 13. 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

CAD

USD

Should arrive

by Monday, May 13

Best ways to send money to the USA from Canada

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.
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.
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.