Send Money to Canada from United States

Compare USD to CAD Money Transfers

We compare USD to CAD exchange rates from well established, regulated FX providers and banks to help you save when sending money or making an international payment from United States to Canada.

The FX providers listed below can help you with the whole process, provide useful advice, online tools and most importantly bank-beating exchange rates & low or zero fees.

Compare Transfer Rates : Send $10,000 USD → Receive CAD

Provider	Receive CAD	USD/CAD Rate	Total Cost
OFX Trusted brand in Foreign Exchange. Online & Phone. Helpful Dealers & support. Lock in an Exchange Rate with Spot & Forward Deals. 0.5%	10,000 USD = 12,825 CAD Up to 920 CAD more See more	1.2825	0.5%	Visit OFX Best Value BER 0.5% Special Rate
WorldRemit Online Bank Transfers or Cash Pickup - e-Wallet payments. Large number of currencies. 1.44%	10,000 USD = 12,704 CAD Get 121 CAD less See more	1.2709	1.44%	Visit WorldRemitCompare Rate
Scotiabank Scotiabank's profit margin is generally 4 - 8% depending on currencies and amounts. 2.8%	10,000 USD = 12,528 CAD Get 297 CAD less See more	1.2528	2.8%	Compare Rate
TD Bank TD's profit margin is generally 4 - 8% depending on currencies and amounts. 3.38%	10,000 USD = 12,453 CAD Get 372 CAD less See more	1.2516	3.38%	Compare Rate On top of the FX margin TD has additional $50 fee to send foreign transfers from USD.
PayPal The cost of sending money with PayPal/Xoom is between 4%-7% of the amount being sent. 4.1%	10,000 USD = 12,361 CAD Get 464 CAD less See more	1.2361	4.1%	Compare Rate Paypal charge an extra 3% if you pay with debit/credit card
HSBC HSBC's profit margin is generally 2.5%-7% depending on currencies and amounts. 4.37%	10,000 USD = 12,326 CAD Get 499 CAD less See more	1.2351	4.37%	Compare Rate
Citibank Citibank's profit margin is generally 3 - 7% depending on currencies and amounts. 4.78%	10,000 USD = 12,273 CAD Get 552 CAD less See more	1.2288	4.78%	Compare Rate
Deutsche Bank Deutsche Bank's profit margin is generally 3 - 7% depending on currencies and amounts. 4.84%	10,000 USD = 12,265 CAD Get 560 CAD less See more	1.2389	4.84%	Compare Rate
Rate: 1.2516 Click for details Rate: 1.2035 Click for details Rate: 1.2288 Click for details Rate: 1.2351 Click for details Rate: 1.2389 Click for details Rate: 1.2528 Click for details Rate: 1.1959 Click for details Rate: 1.2035 Click for details Rate: 1.1971 Click for details Rate: 1.1971 Click for details Rate: 1.1933 Click for details Rate: 1.1959 Click for details SHOW ALL 5.89%	10,000 USD = 12,130 CAD Get 695 CAD less	1.2161	5.89%	Average Bank Rate
CIBC CIBC's profit margin is generally 4 - 8% depending on currencies and amounts. 6.63%	10,000 USD = 12,035 CAD Get 790 CAD less See more	1.2035	6.63%	Compare Rate
U.S. Bank U.S. Bank's FX wire margin is generally 4.0% - 8.0% depending on currencies and amounts. 6.91%	10,000 USD = 11,999 CAD Get 826 CAD less See more	1.2035	6.91%	Compare Rate
Chase Bank Chase Bank's FX wire charge is generally 3.5% - 8.0% of your amount depending on the receive currency plus a fixed fee of $0-$50. 7.12%	10,000 USD = 11,971 CAD Get 854 CAD less See more	1.1971	7.12%	Compare Rate Chase Online foreign wires of $5,000 USD or more have no additional fee; and a $5 fee for sending less than $5,000 USD; In-branch fee is a flat $50.
Royal Bank of Canada RBC's profit margin is generally 4 - 8% depending on currencies and amounts. 7.26%	10,000 USD = 11,953 CAD Get 872 CAD less See more	1.1971	7.26%	Compare Rate On top of the FX margin RBC has an additional flat-fee of $17.00 to receive foreign transfer in Canada.
Wells Fargo Bank Wells Fargo's FX wire margin is generally 3.0% - 8.0% depending on currencies and amounts. 7.39%	10,000 USD = 11,937 CAD Get 888 CAD less See more	1.1959	7.39%	Compare Rate
PNC Bank PNC Bank's FX wire margin is generally 3.0% - 8.0% depending on currencies and amounts. 7.58%	10,000 USD = 11,912 CAD Get 913 CAD less See more	1.1933	7.58%	Compare Rate
Bank of America Bank of America's FX wire margin is generally 4.0%-8.0% depending on currencies and amounts. 7.63%	10,000 USD = 11,905 CAD Get 920 CAD less See more	1.1959	7.63%	Compare Rate To send international wire transfers, BoA may charge an additional fee of $45 per transfer.
Wise Great rates for Transfers and Multi-currency Card. Get local accounts in 10 currencies.	Above Wise maximum amount. See more	Visit WiseCompare Rate

 

Provider	OFX
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,825
Exchange Rate	1USD = 1.2825 CAD (1CAD = 0.7797USD)
Rate Margin	0.5%
Other Fees	$0
Total Cost (Rate Margin + Fees)	0.5%
Transfer Speed	1-2 days
Rate Retrieved	12:03 Local - BER

BER 0.5% Special Rate

Trusted brand in Foreign Exchange. Online & Phone. Helpful Dealers & support. Lock in an Exchange Rate with Spot & Forward Deals.

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Provider	WorldRemit
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,704
Exchange Rate	1USD = 1.2709 CAD (1CAD = 0.7868USD)
Rate Margin	1.4%
Other Fees	$3.99
Total Cost (Rate Margin + Fees)	1.44%
Difference	Get 121 CAD less than withOFX
Transfer Speed	1-2 days
Rate Retrieved	12:03 Local - BER

Online Bank Transfers or Cash Pickup - e-Wallet payments. Large number of currencies.

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Provider	Scotiabank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,528
Exchange Rate	1USD = 1.2528 CAD (1CAD = 0.7982USD)
Rate Margin	2.8%
Other Fees	$0
Total Cost (Rate Margin + Fees)	2.8%
Difference	Get 297 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

Scotiabank's profit margin is generally 4 - 8% depending on currencies and amounts.

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Provider	TD Bank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,453
Exchange Rate	1USD = 1.2516 CAD (1CAD = 0.7990USD)
Rate Margin	2.89%
Other Fees	$50
Total Cost (Rate Margin + Fees)	3.38%
Difference	Get 372 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	2022-08-18T12:00:05+0000

On top of the FX margin TD has additional $50 fee to send foreign transfers from USD.

TD's profit margin is generally 4 - 8% depending on currencies and amounts.

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Provider	PayPal
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,361
Exchange Rate	1USD = 1.2361 CAD (1CAD = 0.8090USD)
Rate Margin	4.1%
Other Fees	$0
Total Cost (Rate Margin + Fees)	4.1%
Difference	Get 464 CAD less than withOFX
Transfer Speed	1-2 days
BER Rating	2/5.0
Rate Retrieved	12:03 Local - BER

Paypal charge an extra 3% if you pay with debit/credit card

The cost of sending money with PayPal/Xoom is between 4%-7% of the amount being sent.

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Provider	HSBC
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,326
Exchange Rate	1USD = 1.2351 CAD (1CAD = 0.8097USD)
Rate Margin	4.17%
Other Fees	$20
Total Cost (Rate Margin + Fees)	4.37%
Difference	Get 499 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

HSBC's profit margin is generally 2.5%-7% depending on currencies and amounts.

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Provider	Citibank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,273
Exchange Rate	1USD = 1.2288 CAD (1CAD = 0.8138USD)
Rate Margin	4.66%
Other Fees	$12
Total Cost (Rate Margin + Fees)	4.78%
Difference	Get 552 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

Citibank's profit margin is generally 3 - 7% depending on currencies and amounts.

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Provider	Deutsche Bank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,265
Exchange Rate	1USD = 1.2389 CAD (1CAD = 0.8072USD)
Rate Margin	3.88%
Other Fees	$100.00 USD (1%)
Total Cost (Rate Margin + Fees)	4.84%
Difference	Get 560 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

Deutsche Bank's profit margin is generally 3 - 7% depending on currencies and amounts.

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Provider	Comparison Rate
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,130
Exchange Rate	1USD = 1.2541 CAD (1CAD = 0.7974USD)
Rate Margin	2.7%
Total Cost (Rate Margin + Fees)	5.89%
Difference	Get 695 CAD less than withOFX

 

Provider	CIBC
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$12,035
Exchange Rate	1USD = 1.2035 CAD (1CAD = 0.8309USD)
Rate Margin	6.63%
Other Fees	$0
Total Cost (Rate Margin + Fees)	6.63%
Difference	Get 790 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

CIBC's profit margin is generally 4 - 8% depending on currencies and amounts.

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Provider	U.S. Bank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$11,999
Exchange Rate	1USD = 1.2035 CAD (1CAD = 0.8309USD)
Rate Margin	6.63%
Other Fees	$30
Total Cost (Rate Margin + Fees)	6.91%
Difference	Get 826 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

U.S. Bank's FX wire margin is generally 4.0% - 8.0% depending on currencies and amounts.

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Provider	Chase Bank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$11,971
Exchange Rate	1USD = 1.1971 CAD (1CAD = 0.8354USD)
Rate Margin	7.12%
Other Fees	$0
Total Cost (Rate Margin + Fees)	7.12%
Difference	Get 854 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

Chase Online foreign wires of $5,000 USD or more have no additional fee; and a $5 fee for sending less than $5,000 USD; In-branch fee is a flat $50.

Chase Bank's FX wire charge is generally 3.5% - 8.0% of your amount depending on the receive currency plus a fixed fee of $0-$50.

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Provider	Royal Bank of Canada
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$11,953
Exchange Rate	1USD = 1.1971 CAD (1CAD = 0.8354USD)
Rate Margin	7.12%
Other Fees	$15
Total Cost (Rate Margin + Fees)	7.26%
Difference	Get 872 CAD less than withOFX
Transfer Speed	2-3 days
BER Rating	1/5.0
Rate Retrieved	12:03 Local - BER

On top of the FX margin RBC has an additional flat-fee of $17.00 to receive foreign transfer in Canada.

RBC's profit margin is generally 4 - 8% depending on currencies and amounts.

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Provider	Wells Fargo Bank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$11,937
Exchange Rate	1USD = 1.1959 CAD (1CAD = 0.8362USD)
Rate Margin	7.22%
Other Fees	$18
Total Cost (Rate Margin + Fees)	7.39%
Difference	Get 888 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

Wells Fargo's FX wire margin is generally 3.0% - 8.0% depending on currencies and amounts.

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Provider	PNC Bank
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$11,912
Exchange Rate	1USD = 1.1933 CAD (1CAD = 0.8380USD)
Rate Margin	7.42%
Other Fees	$18
Total Cost (Rate Margin + Fees)	7.58%
Difference	Get 913 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

PNC Bank's FX wire margin is generally 3.0% - 8.0% depending on currencies and amounts.

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Provider	Bank of America
FX Type	Foreign Transfer USD→CAD
From Amount (USD)	$10,000
To Amount (CAD)	C$11,905
Exchange Rate	1USD = 1.1959 CAD (1CAD = 0.8362USD)
Rate Margin	7.22%
Other Fees	$45
Total Cost (Rate Margin + Fees)	7.63%
Difference	Get 920 CAD less than withOFX
Transfer Speed	2-3 days
Rate Retrieved	12:03 Local - BER

To send international wire transfers, BoA may charge an additional fee of $45 per transfer.

Bank of America's FX wire margin is generally 4.0%-8.0% depending on currencies and amounts.

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Provider	Wise
FX Type	Foreign Transfer USD→CAD
MIN/MAX:	Above Wise maximum amount.
Exchange Rate	1USD = 1.2805 CAD (1CAD = 0.7809USD)
Rate Margin	0.65%
Total Cost (Rate Margin + Fees)	1.35%
Transfer Speed	1-2 days
Rate Retrieved	12:03 Local - BER

Including Wire transfer fixed fee of 5.64 USD, Bank debit (ACH) is a variable 0.26%

Great rates for Transfers and Multi-currency Card. Get local accounts in 10 currencies.

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Cost % is Provider Rate Margin vs Mid-rate + Fees

USD/CAD=1.2889

1-DAY▲+0.6%

14-DAY▲HIGH

My Rates

 

Transfers - United States to Canada

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USD/CAD Mid-rate Calculator

* This table compares FX rates & fees of selected FX specialists and banks for USD to CAD International Money Transfers. Providers must be well established, reputable and regulated in the US as licensed money transmitters. We DO NOT compare every provider in the market. We may receive referral fees if you choose one of these providers however this will not affect the savings, exchange rates or fees you are charged by the provider.

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