Send Money from Canada to Romania

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at C$1,000, across the 3 providers we hold checked figures for. Western Union advertises no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Romanian leus rather than the headline fee.

At C$1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about C$7.51 all in, or 0.75% of the amount sent. Remitly is next at about C$13.19. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at C$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit and cash pickup. The most widely used options in Romania are bank deposit to a mature banking network, plus cash pickup including the post office. Romania is in the EU but not the eurozone — sending euros instead of lei usually triggers a second conversion at the recipient's bank. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Romania, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit to a mature banking network, plus cash pickup including the post office generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For CAD to RON, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Canada under FINTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly C$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Romania uses the leu, not the euro, so this is a genuine currency conversion and the rate matters as much as the fee. All three services pay out in lei; none offers euros. Wise is about 6.33 CAD at 1,000 CAD from an account, against roughly 55.51 by credit card on the same page — nearly nine times for the same transfer. On a corridor where everybody reaches a bank account, how you fund the transfer is the whole decision. Remitly's promotional rate covers the first 500 CAD only, a third of the cap it offers on Canada to France, Germany or Italy. Caps vary sharply by corridor even within one provider and one region.