How to send money to Canada the cheapest & fastest way

How we help you transfer money to Canada from USA at the best rate:

  1. Hidden costs exposed by comparing the money transfer services USD-CAD conversion rate to the mid-market exchange rate
  2. Real-time total costs including all fees and the exchange rate markup
  3. Full transparency, comparing 12 money transfer providers such as Wise, RIA, Remitly, Western Union and WorldRemit
USA
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  • Saint Kitts and Nevis
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  • Somalia
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  • Switzerland
  • Syria
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  • Tajikistan
  • Tanzania
  • Thailand
  • Timor-Leste
  • Togo
  • Tokelau
  • Tonga
  • Trinidad and Tobago
  • Tunisia
  • Turkey
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  • Tuvalu
  • Uganda
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States Minor Outlying Islands
  • United States Virgin Islands
  • Uruguay
  • USA
  • Uzbekistan
  • Vanuatu
  • Vatican City
  • Venezuela
  • Vietnam
  • Wallis and Futuna
  • Western Sahara
  • Yemen
  • Zambia
  • Zimbabwe
Canada
  • Afghanistan
  • Åland Islands
  • Albania
  • Algeria
  • American Samoa
  • Andorra
  • Angola
  • Anguilla
  • Antarctica
  • Antigua and Barbuda
  • Argentina
  • Armenia
  • Aruba
  • Australia
  • Austria
  • Azerbaijan
  • Bahamas
  • Bahrain
  • Bangladesh
  • Barbados
  • Belarus
  • Belgium
  • Belize
  • Benin
  • Bermuda
  • Bhutan
  • Bolivia
  • Bosnia and Herzegovina
  • Botswana
  • Bouvet Island
  • Brazil
  • British Indian Ocean Territory
  • British Virgin Islands
  • Brunei
  • Bulgaria
  • Burkina Faso
  • Burundi
  • Cambodia
  • Cameroon
  • Canada
  • Cape Verde
  • Caribbean Netherlands
  • Cayman Islands
  • Central African Republic
  • Chad
  • Chile
  • China
  • Christmas Island
  • Cocos (Keeling) Islands
  • Colombia
  • Comoros
  • Cook Islands
  • Costa Rica
  • Croatia
  • Cuba
  • Curaçao
  • Cyprus
  • Czechia
  • Denmark
  • Djibouti
  • Dominica
  • Dominican Republic
  • DR Congo
  • Ecuador
  • Egypt
  • El Salvador
  • Equatorial Guinea
  • Eritrea
  • Estonia
  • Eswatini
  • Ethiopia
  • Falkland Islands
  • Faroe Islands
  • Fiji
  • Finland
  • France
  • French Guiana
  • French Polynesia
  • French Southern and Antarctic Lands
  • Gabon
  • Gambia
  • Georgia
  • Germany
  • Ghana
  • Gibraltar
  • Greece
  • Greenland
  • Grenada
  • Guadeloupe
  • Guam
  • Guatemala
  • Guernsey
  • Guinea
  • Guinea-Bissau
  • Guyana
  • Haiti
  • Heard Island and McDonald Islands
  • Honduras
  • Hong Kong
  • Hungary
  • Iceland
  • India
  • Indonesia
  • Iran
  • Iraq
  • Ireland
  • Isle of Man
  • Israel
  • Italy
  • Ivory Coast
  • Jamaica
  • Japan
  • Jersey
  • Jordan
  • Kazakhstan
  • Kenya
  • Kiribati
  • Kosovo
  • Kuwait
  • Kyrgyzstan
  • Laos
  • Latvia
  • Lebanon
  • Lesotho
  • Liberia
  • Libya
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macau
  • Madagascar
  • Malawi
  • Malaysia
  • Maldives
  • Mali
  • Malta
  • Marshall Islands
  • Martinique
  • Mauritania
  • Mauritius
  • Mayotte
  • Mexico
  • Micronesia
  • Moldova
  • Monaco
  • Mongolia
  • Montenegro
  • Montserrat
  • Morocco
  • Mozambique
  • Myanmar
  • Namibia
  • Nauru
  • Nepal
  • Netherlands
  • New Caledonia
  • New Zealand
  • Nicaragua
  • Niger
  • Nigeria
  • Niue
  • Norfolk Island
  • North Korea
  • North Macedonia
  • Northern Mariana Islands
  • Norway
  • Oman
  • Pakistan
  • Palau
  • Palestine
  • Panama
  • Papua New Guinea
  • Paraguay
  • Peru
  • Philippines
  • Pitcairn Islands
  • Poland
  • Portugal
  • Puerto Rico
  • Qatar
  • Republic of the Congo
  • Réunion
  • Romania
  • Russia
  • Rwanda
  • Saint Barthélemy
  • Saint Helena, Ascension and Tristan da Cunha
  • Saint Kitts and Nevis
  • Saint Lucia
  • Saint Martin
  • Saint Pierre and Miquelon
  • Saint Vincent and the Grenadines
  • Samoa
  • San Marino
  • São Tomé and Príncipe
  • Saudi Arabia
  • Senegal
  • Serbia
  • Seychelles
  • Sierra Leone
  • Singapore
  • Sint Maarten
  • Slovakia
  • Slovenia
  • Solomon Islands
  • Somalia
  • South Africa
  • South Georgia
  • South Korea
  • South Sudan
  • Spain
  • Sri Lanka
  • Sudan
  • Suriname
  • Svalbard and Jan Mayen
  • Sweden
  • Switzerland
  • Syria
  • Taiwan
  • Tajikistan
  • Tanzania
  • Thailand
  • Timor-Leste
  • Togo
  • Tokelau
  • Tonga
  • Trinidad and Tobago
  • Tunisia
  • Turkey
  • Turkmenistan
  • Turks and Caicos Islands
  • Tuvalu
  • Uganda
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States Minor Outlying Islands
  • United States Virgin Islands
  • Uruguay
  • USA
  • Uzbekistan
  • Vanuatu
  • Vatican City
  • Venezuela
  • Vietnam
  • Wallis and Futuna
  • Western Sahara
  • Yemen
  • Zambia
  • Zimbabwe

Our comparison engine found 2 online money transfer services available to send money to Canada from USA. The list is sorted by total transaction costs including the hidden USD-CAD exchange rate fees, starting with the cheapest money transfer services at the top:

Researching money transfer providers and finding out the best rate for sending money to Canada can be time-consuming. Besides the total transfer fee, our list above shows you the different payment delivery options for each money transfer service.

Some factors to consider while evaluating the best way to send money to Canada from USA are transfer fees, exchange rates, the speed of transfer and convenience. The cost of transferring money depends on the country in which you want the money sent as well as the way the payment is received (e.g. bank transfer, cash pickup, app). Also whether you want to pay for your transfer via bank deposit, debit card or in cash at a money transfer operator will affect your remittance to Canada.

Best rate - The cheapest way to send money to Canada

The overall cheapest money transfer service is Stanford Federal Credit Union with 'Bank' as the receiving payment method. In this case, the total transaction costs are $ 1.99, whereas the service fee is $ 1.99 and the USD-CAD exchange rate is 1.2881.

In comparison, you would pay a total cost of $ 19.34 to transfer money to Canada if you selected to use PayPal for the very same international money transfer. Two other options for sending money to Canada are worth considering: and .

Wire transfer - Send money to a Canada bank account

Bank deposits: To make a wire transfer online and transfer your USD to a Canada bank account in CAD, the most competitive option is currently Stanford Federal Credit Union. With $ 1.99 transfer fees for the bank transfer and a competitive USD-CAD currency exchange rate (currently at 1 USD = 1.2881 CAD), it's the cheapest way to send money to a Canada bank account.

When doing a wire transfer from USA to Canada, it typically takes longer for the funds to arrive in the recipient's bank account compared to other money transfer methods such as cash delivery. International bank transfers do carry some risks and you need to make sure the bank details and payment details are correct or else the sent amount may end up in the wrong bank account.

Remittance to Canada

Have you ever wondered, why some of the best money transfer providers such as Remitly and WorldRemit have the term 'remit' in their name? This is derived from the word 'remittance' which is a payment of money that is transferred to another party. Theoretically, any payment of a bill could be a remittance. However, nowadays the word is mainly used to describe the process of money being sent to a family back home by someone working abroad. The recommended way to remit money to Canada is by using the money transfer provider Stanford Federal Credit Union. At the time of writing, they boast the most competitive exchange rates to send money online to Canada.

This recommendation was updated 26 days ago.