Of the 15 companies we analysed, Africhange is the cheapest app overall for sending $2,000 to Canada.
On a 2,000 AUD transfer it will get your recipient 1,986.65 CAD.
| 15 of 15 providers Last updated on 28 September 2026 | |||
| Based on 2,000 AUD transfer Best companies for AUD/CAD transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $7.34 1 AUD = 0.9933 CAD 0.00% vs mid-market | Recipient gets $1,979.23 Same day | |
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.341 AUD = 0.9933 CAD $1,979.23You pay$2,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $2.99 1 AUD = 0.9820 CAD +1.14% vs mid-market | Recipient gets $1,964.00 6-12 Hours | |
Ways to receive money in Canada with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.9820 CAD $1,964.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.9807 CAD $1,961.40You pay$2,003.99 | |||
Run a live search Showing top Australia to Canada deals for 2,000 AUD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to CAD rates. | |||
Run a live search These companies offer multi-currency accounts for spending CAD. We suggest doing a live search based on how much AUD you're planning to spend in Canada. | |||
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Africhange Pay via Bank Transfer | Fees: $6.60 1 AUD = 0.9933 CAD 0.00% vs mid-market | Recipient gets $1,986.65 Minutes | |
Ways to receive money in Canada with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes $6.601 AUD = 0.9933 CAD $1,986.65You pay$2,006.60 | |||
 Instarem Pay via PayID | Fees: $0.00 1 AUD = 0.9932 CAD +0.01% vs mid-market | Recipient gets $1,986.40 6-12 Hours | |
Ways to receive money in Canada with Instarem when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.9932 CAD $1,986.40You pay$2,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 0.9918 CAD +0.15% vs mid-market | Recipient gets $1,983.55 Next Day | |
Ways to receive money in Canada with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.9918 CAD $1,983.55You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9918 CAD +0.15% vs mid-market | Recipient gets $1,983.55 Next Day | |
Ways to receive money in Canada with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.9918 CAD $1,983.55You pay$2,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $3.00 1 AUD = 0.9922 CAD +0.11% vs mid-market | Recipient gets $1,981.37 Within minutes | |
Ways to receive money in Canada with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 0.9922 CAD $1,981.37You pay$2,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
 Remitly Pay via PayTo | Fees: $0.00 1 AUD = 0.9906 CAD +0.27% vs mid-market | Recipient gets $1,981.20 2 Days | |
Ways to receive money in Canada with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 0.9906 CAD $1,981.20You pay$2,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $7.34 1 AUD = 0.9933 CAD 0.00% vs mid-market | Recipient gets $1,979.23 Same day | |
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.341 AUD = 0.9933 CAD $1,979.23You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $7.34 1 AUD = 0.9933 CAD 0.00% vs mid-market | Recipient gets $1,979.23 Same day | |
Ways to receive money in Canada with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.341 AUD = 0.9933 CAD $1,979.23You pay$2,000.00 | |||
 Currencies Direct Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9876 CAD +0.57% vs mid-market | Recipient gets $1,975.20 6-12 Hours | |
Ways to receive money in Canada with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.9876 CAD $1,975.20You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $12.89 1 AUD = 0.9933 CAD 0.00% vs mid-market | Recipient gets $1,973.71 Same day | |
Ways to receive money in Canada with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $12.891 AUD = 0.9933 CAD $1,973.71You pay$2,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9868 CAD +0.65% vs mid-market | Recipient gets $1,973.65 6-12 Hours | |
Ways to receive money in Canada with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.9868 CAD $1,973.65You pay$2,000.00 | |||
 Panda Remit Pay via Bank Transfer | Fees: $5.99 1 AUD = 0.9892 CAD +0.41% vs mid-market | Recipient gets $1,972.47 6-12 Hours | |
Ways to receive money in Canada with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.991 AUD = 0.9892 CAD $1,972.47You pay$2,000.00 | |||
 Orbit Remit Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9825 CAD +1.09% vs mid-market | Recipient gets $1,965.08 2 Days | |
Ways to receive money in Canada with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 0.9825 CAD $1,965.08You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $2.99 1 AUD = 0.9820 CAD +1.14% vs mid-market | Recipient gets $1,964.00 6-12 Hours | |
Ways to receive money in Canada with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.9820 CAD $1,964.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.9807 CAD $1,961.40You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $2.99 1 AUD = 0.9820 CAD +1.14% vs mid-market | Recipient gets $1,964.00 6-12 Hours | |
Ways to receive money in Canada with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.9820 CAD $1,964.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.9807 CAD $1,961.40You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 0.9820 CAD +1.14% vs mid-market | Recipient gets $1,964.00 6-12 Hours | |
Ways to receive money in Canada with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $32.991 AUD = 0.9820 CAD $1,964.00You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 0.9807 CAD $1,961.40You pay$2,032.99 | |||
| Instarem Pay via Debit Card | Fees: $24.00 1 AUD = 0.9932 CAD +0.01% vs mid-market | Recipient gets $1,962.56 6-12 Hours | |
Ways to receive money in Canada with Instarem when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $24.001 AUD = 0.9932 CAD $1,962.56You pay$2,000.00 | |||
| Instarem Pay via Credit Card | Fees: $24.00 1 AUD = 0.9932 CAD +0.01% vs mid-market | Recipient gets $1,962.56 6-12 Hours | |
Ways to receive money in Canada with Instarem when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $24.001 AUD = 0.9932 CAD $1,962.56You pay$2,000.00 | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 0.9807 CAD +1.27% vs mid-market | Recipient gets $1,961.40 2 Days | |
Ways to receive money in Canada with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 0.9807 CAD $1,961.40You pay$2,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 AUD = 0.9807 CAD +1.27% vs mid-market | Recipient gets $1,961.40 2 Days | |
Ways to receive money in Canada with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 AUD = 0.9807 CAD $1,961.40You pay$2,020.00 | |||
 Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9805 CAD +1.29% vs mid-market | Recipient gets $1,960.90 6-12 Hours | |
Ways to receive money in Canada with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.9805 CAD $1,960.90You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $26.42 1 AUD = 0.9933 CAD 0.00% vs mid-market | Recipient gets $1,960.27 Same day | |
Ways to receive money in Canada with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $26.421 AUD = 0.9933 CAD $1,960.27You pay$2,000.00 | |||
 Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 0.9793 CAD +1.42% vs mid-market | Recipient gets $1,955.77 6-12 Hours | |
Ways to receive money in Canada with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.9793 CAD $1,955.77You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.9743 CAD $1,945.78You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 0.9793 CAD +1.42% vs mid-market | Recipient gets $1,955.77 6-12 Hours | |
Ways to receive money in Canada with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.9793 CAD $1,955.77You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.9743 CAD $1,945.78You pay$2,000.00 | |||
| Ria Money Transfer Pay via PayID | Fees: $2.89 1 AUD = 0.9793 CAD +1.42% vs mid-market | Recipient gets $1,955.77 6-12 Hours | |
Ways to receive money in Canada with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.9793 CAD $1,955.77You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.9743 CAD $1,945.78You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 0.9805 CAD +1.29% vs mid-market | Recipient gets $1,955.02 6-12 Hours | |
Ways to receive money in Canada with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 0.9805 CAD $1,955.02You pay$2,000.00 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9754 CAD +1.80% vs mid-market | Recipient gets $1,950.80 Next Day | |
Ways to receive money in Canada with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.9754 CAD $1,950.80You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 0.9805 CAD +1.29% vs mid-market | Recipient gets $1,946.19 6-12 Hours | |
Ways to receive money in Canada with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 0.9805 CAD $1,946.19You pay$2,000.00 | |||
 NAB Pay via Bank Transfer | Fees: $0.00 1 AUD = 0.9629 CAD +3.10% vs mid-market | Recipient gets $1,925.88 3-5 Days | |
Ways to receive money in Canada with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 0.9629 CAD $1,925.88You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 0.9933 CAD Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Africhange at 1,986.65 CAD on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 7 ways to pay, including bank transfer, debit card, credit card, payid, payto, osko, and poli.
PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.
Watch your bank's daily limit on anything large.
First time round you'll need a photo ID, usually a licence or a passport.
A passport and visa are enough if you’re new (you don’t need an Australian credit history).
How much AUD you send to Canada heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.03% | $0.00 | $993.70with payid to bank deposit | +$11.91 | |
| $1,500 | 0.16% | $0.00 | $1,487.70with debit card to bank deposit | +$13.93 | |
| $2,000This page | 0.00% | $6.60 | $1,986.65with bank transfer to bank deposit | +$20.18 | |
| $3,000 | 0.18% | $0.00 | $2,975.35with debit card to bank deposit | +$26.60 | |
| $7,500 | 0.14% | $0.00 | $7,438.30with debit card to bank deposit | +$39.31 | |
| $10,000 | 0.01% | $6.60 | $9,936.14with bank transfer to bank deposit | +$68.33 | |
| $12,000 | 0.00% | $6.60 | $11,919.00with bank transfer to bank deposit | +$86.62 | |
| $15,000 | 0.25% | $0.00 | $14,861.50with bank transfer to bank deposit | +$76.74 | |
| $100,000 | 0.20% | $0.00 | $99,199.40with bank transfer to bank deposit | +$470.81 | |
| $250,000 | 0.15% | $0.00 | $247,929.30with bank transfer to bank deposit | +$1,188.54 | |
| $500,000 | 0.15% | $0.00 | $495,962.94with bank transfer to bank deposit | +$1,699.57 |
Mid-market rate: 1 AUD = 0.9933 CAD
15 money transfer companies let you send money from Australia to Canada.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Canada.
For example, sending $500 with Africhange will get you 1,986.65 CAD after a $6.6 fee and 0% markup.
To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.
Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.
For regular transfers home
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
Africhange takes $6.6 in fees and 0% markup on a $6.6 transfer, and your CAD arrives in minutes.
Signing up is quick even if you're new to Australia.
A passport and visa are enough for most money transfer apps, and no local credit history is needed.
For large AUD transfers
Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.
On transfers of $10,000 or more, a broker like Currencies Direct drops the fee entirely and works on margin instead.
With Currencies Direct you get 0.57% on AUD/CAD, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
Global accounts like Airwallex are great for paying suppliers, contractors or staff in CAD, handling invoices, batch payments, and more.
For receiving and spending
Multi-currency accounts let you hold AUD and CAD in one account, and convert when the rate suits you.
Revolut converts $2,000 at 0.11% markup, and the CAD sits in your account until you spend or transfer it.
Most useful if you travel often to Canada, split your life between two countries, or receive money from abroad.
We also created a guide going into more detail about multi currency accounts.
Compare first
The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.
However, the cost is moved into the exchange rate instead.
On a $2,000 transfer, a bank like NAB adds 3.11% markup and delivers 1,925.88 CAD, against 1,986.65 CAD via Africhange (the cheapest option).
With Africhange, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 1,986.65 CAD.
You can fund the transfer with bank transfer, debit card, credit card, payid, payto, osko, and poli.
You can pay with payid
Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.
Recipients in the Canada can collect CAD through bank deposit and cash pickup.
They can collect cash via Western Union
For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Canada.
You pay $2,006.60
$1,987
Cheapest
You pay $2,000.00
$1,986
-$0.25
You pay $2,000.00
$1,984
-$3
You pay $2,000.00
$1,981
-$5
You pay $2,000.00
$1,979
-$7
You pay $2,032.99
$1,964
-$23
You pay $2,002.99
$1,964
-$23
You pay $2,003.99
$1,961
-$25
You pay $2,032.99
$1,961
-$25
You pay $2,003.99
$1,961
-$25
You pay $2,000.00
$1,946
-$41
Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.
For an $2,000 transfer to Canada, these are the best options right now:
Cheapest
Africhange is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 1,986.65 CAD, which is 0.01% more than the next best option.
Fastest
Revolut delivers 1,981.37 CAD in within minutes when you use bank transfer and choose bank deposit as payout.
If you need money urgently, we've put together a guide on instant money transfers.
PayID and Osko move Australian dollars between local accounts.
When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Canada.
Confirm the registered business name shown by your bank before approving the PayID payment.
The bank or remittance company reports international transfer instructions to AUSTRAC.
This applies to international transfers generally, rather than only those above A$10,000.
You do not normally submit the international transfer report yourself.
A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.
Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.
Australia does not generally tax a genuine cash gift simply because you send it to family in Canada.
Gifting money can still affect income-tested or asset-tested Centrelink payments.
Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.
If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.
The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.
It does not automatically cover money held by a non-bank transfer company.
In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.
Small changes in the AUD/CAD rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 0.996453 CAD
We track 15 companies sending AUD to Canada, all holding an Australian licence, with rates refreshed in real time when running a live search.
Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.
More on who we are, why you can trust us and getting started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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