Send Money from Canada to United States

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at C$1,000, across the 2 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in US dollars rather than the headline fee.

At C$1,000, Remitly is the cheapest of the 2 providers priced at that amount on this corridor: about C$5.50 all in, or 0.55% of the amount sent. Wise is next at about C$7.41. 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.

Yes. Up to C$2,500, Remitly costs least on this corridor; from C$5,000 upwards, Wise does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing 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 the United States are bank deposit over ACH, with some providers offering a faster push-to-debit-card option for a higher fee. A standard ACH payout typically lands within one to three business days; a debit-card push can arrive within minutes but usually costs more, so the fastest option on this corridor is rarely the cheapest one. Not every provider supports every method, so check the table above before you commit.

No. Remitly offer cash pickup in the United States, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit over ACH, with some providers offering a faster push-to-debit-card option for a higher fee 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 USD, 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.

This is the corridor where the fee matters most and reachability matters least — every American recipient has a bank account or can collect cash, and both services here reach both. Compare the US dollars that arrive. Card funding is where the money goes. At 1,000 CAD Wise charges about 6.34 from an account against 55.42 by credit card, nearly nine times as much for the same transfer. Two services is what we could verify rather than what exists. Western Union's Canadian page for this corridor refused our request when we checked, so treat it as unchecked rather than unavailable.