Revolut USD to CAD Transfers Compared

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Compare USD to CAD rates

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Compare USD to CAD rates

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Our Revolut USD 10000 to CAD rate is 1.4021. This is -0.5% below the mid-rate.

Revolut at a glance

Revolut combines international transfers, currency exchange, multi-currency balances and card spending in one app. Its 2025 annual report recorded 68.3 million retail customers at 31 December 2025.

The important qualification is that Revolut is not one identical product worldwide. Account eligibility, plan allowances, fees, legal entities and customer-funds protection vary by country. Revolut uses its own variable exchange rate, and separate exchange or transfer fees can apply depending on the market, plan, amount, route and timing.

Before sending, compare the amount expected to reach the recipient and review the complete in-app quote. Intermediary or recipient banks may deduct additional charges on some routes.

Read the full Revolut review.

Common Revolut questions

Are transfers between Revolut users free?

They generally have no transfer fee and are normally instant. An exchange fee can still apply if currencies must be converted.

Is Revolut a bank?

The answer depends on the market. Revolut reports operating as a licensed bank in 30 countries, while markets such as the United States use a partner-bank arrangement. Check the terms for the country where the account is opened.

Revolut United States rates and fees

For the US Standard plan:

Subscription: no fee.
Exchange allowance: up to $1,000 per monthly cycle for customers whose base currency is USD.
Fair-usage fee: 0.5% on exchange above that allowance.
Outside FX market hours: 1% on currency exchange from 5pm Friday to 6pm Sunday Eastern Time.
Revolut-user transfers: no transfer fee.
US domestic wires: $10 inbound or outbound.
Local-currency international transfers: 0.15%, with a $0.75 minimum.
Foreign-currency international or domestic transfers: up to $6.
Pay All Transfer Fees: $30 on eligible routes.

Revolut uses its own variable exchange rate. Fees from intermediary or recipient banks can still reduce the amount received.

In the United States, Revolut Technologies Inc. is a technology services provider and program manager. Prepaid card banking services are provided by Lead Bank, Member FDIC; see Revolut's US terms for the limits of FDIC coverage.

Revolut transfer timing and important checks

Transfers between Revolut users are generally instant. For US personal accounts, Revolut says an outbound wire usually takes one business day, ACH can take up to five business days, and outbound SWIFT transfers can take up to two business days.

Timing varies by market and route. Weekends, public holidays, recipient-bank processing, intermediary banks and compliance checks can delay a transfer. Use the estimated arrival shown in the app for the specific payment.

Before confirming:

check the exchange rate, exchange fee and transfer fee together;
compare the amount expected to reach the recipient;
confirm whether intermediary-bank deductions can apply;
verify the recipient details and currency; and
read the legal terms for the country where the Revolut account was opened.

What is the Revolut Send Money conversion rate for USD to CAD?

The Revolut USD to CAD exchange rate is 1.4021. This is -0.5% compared to the latest USD-CAD mid-market rate 1.4091.

As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare US dollar (USD) to Canadian dollar (CAD) rates from different sources before making a conversion.

The above Revolut - Dollar to Loonie comparison table makes it easy to compare the Total Fees (both variable and fixed) you are being charged by Revolut and other foreign exchange providers against the latest USD-CAD mid-rate and the possible savings of using various providers.

How do Revolut USD-CAD rates compare between providers?

Looking at the full USD to CAD - Send Money comparison table the provider with the best USD to CAD exchange rate is OFX at 1.4021, -0.5% from the latest mid-market rate 1.4091.

The next best is XE at 1.4006, -0.6% from the mid-rate.

Then Wise at 1.394, which is -1.1% from the mid-rate.

The Western Union rate is 1.388 which is -1.5% from the mid-rate.

Among the banks the Chase Bank rate is 1.2891 at -8.5% the Wells Fargo Bank rate is 1.2806 at -9.1% and the Citibank rate is 1.3455 at -4.5% compared to the mid-rate 1.4091.

It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally, banks and foreign exchange providers often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate. For more competitive rates, you might consider using a specialized currency exchange service like Revolut or platforms that offer rates closer to the mid-market rate.

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This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Best Exchange Rates Pty Ltd, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional. We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date. BER’s AI-generated rate analysis is developed using newsmon.ai.