How to send money to Andorra from Canada with the best CAD-EUR rate

Remitly is the cheapest way to send money from Canada to Andorra based on the 6 companies we analyzed, giving your recipient 638.6 EUR from CA$1,000.

Best companies for CAD/EUR transfers

6 of 6 providers

Last updated on 28 October 2026

Based on 1,000 CAD transfer

Best companies for CAD/EUR transfers

Sort Cheapest
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Wise

Pay via Bank Transfer
Fees: $6.34 1 CAD = 0.6396 EUR 0.00% vs mid-market Recipient gets €635.55 Same day
Receive to bank accountDedicated support for large transfers

Ways to receive money in Andorra with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$6.341 CAD = 0.6396 EUR
€635.55You pay$1,000.00
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Instarem

Pay via Interac
Fees: $0.00 1 CAD = 0.6384 EUR +0.19% vs mid-market Recipient gets €638.40 6-12 Hours
Receive to bank account

Ways to receive money in Andorra with Instarem when paying by interac.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 0.6384 EUR
€638.40You pay$1,000.00

Run a live search

Showing top Canada to Andorra deals for 1,000 CAD. Do a live search with your exact amount for today's best rates.

Remitly

Pay via Debit Card
Fees: $0.00 1 CAD = 0.6386 EUR +0.15% vs mid-market Recipient gets €638.60 Within minutes
CheapestFastest
Receive to bank account or cash pickup

Ways to receive money in Andorra with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 CAD = 0.6386 EUR
€638.60You pay$1,000.00

Remitly

Pay via Bank Transfer
Fees: $0.00 1 CAD = 0.6386 EUR +0.15% vs mid-market Recipient gets €638.60 Within a week
Receive to bank account or cash pickup

Ways to receive money in Andorra with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 CAD = 0.6386 EUR
€638.60You pay$1,000.00

Remitly

Pay via Interac
Fees: $0.00 1 CAD = 0.6386 EUR +0.15% vs mid-market Recipient gets €638.60 Within a week
Receive to bank account or cash pickup

Ways to receive money in Andorra with Remitly when paying by interac.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 CAD = 0.6386 EUR
€638.60You pay$1,000.00

Remitly

Pay via Credit Card
Fees: $20.00 1 CAD = 0.6386 EUR +0.15% vs mid-market Recipient gets €638.60 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Andorra with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$20.001 CAD = 0.6386 EUR
€638.60You pay$1,020.00

Instarem

Pay via Interac
Fees: $0.00 1 CAD = 0.6384 EUR +0.19% vs mid-market Recipient gets €638.40 6-12 Hours
Receive to bank account

Ways to receive money in Andorra with Instarem when paying by interac.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 0.6384 EUR
€638.40You pay$1,000.00

Wise

Pay via Bank Transfer
Fees: $6.34 1 CAD = 0.6396 EUR 0.00% vs mid-market Recipient gets €635.55 Same day
Recommended
Receive to bank accountDedicated support for large transfers

Ways to receive money in Andorra with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$6.341 CAD = 0.6396 EUR
€635.55You pay$1,000.00

Wise

Pay via Interac
Fees: $12.06 1 CAD = 0.6396 EUR 0.00% vs mid-market Recipient gets €631.89 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Andorra with Wise when paying by interac.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$12.061 CAD = 0.6396 EUR
€631.89You pay$1,000.00

Remitbee

Pay via Interac
Fees: $0.00 1 CAD = 0.6302 EUR +1.48% vs mid-market Recipient gets €630.20 Next Day
0 reviews

Ways to receive money in Andorra with Remitbee when paying by interac.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 0.6302 EUR
€630.20You pay$1,000.00

Remitbee

Pay via Bill payment
Fees: $0.00 1 CAD = 0.6302 EUR +1.48% vs mid-market Recipient gets €630.20 Next Day
0 reviews

Ways to receive money in Andorra with Remitbee when paying by bill payment.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 0.6302 EUR
€630.20You pay$1,000.00

Remitbee

Pay via Bank Transfer
Fees: $0.00 1 CAD = 0.6302 EUR +1.48% vs mid-market Recipient gets €630.20 Next Day
0 reviews

Ways to receive money in Andorra with Remitbee when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 0.6302 EUR
€630.20You pay$1,000.00

Wise

Pay via Debit Card
Fees: $17.38 1 CAD = 0.6396 EUR 0.00% vs mid-market Recipient gets €628.49 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Andorra with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$17.381 CAD = 0.6396 EUR
€628.49You pay$1,000.00

Paysend

Pay via Debit Card
Fees: $0.00 1 CAD = 0.6272 EUR +1.96% vs mid-market Recipient gets €627.20 6-12 Hours

Ways to receive money in Andorra with Paysend when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 0.6272 EUR
€627.20You pay$1,000.00

Paysend

Pay via Credit Card
Fees: $0.00 1 CAD = 0.6272 EUR +1.96% vs mid-market Recipient gets €627.20 6-12 Hours

Ways to receive money in Andorra with Paysend when paying by credit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 0.6272 EUR
€627.20You pay$1,000.00

Remitbee

Pay via Debit Card
Fees: $8.99 1 CAD = 0.6302 EUR +1.48% vs mid-market Recipient gets €624.53 Next Day
0 reviews

Ways to receive money in Andorra with Remitbee when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositNext Day
$8.991 CAD = 0.6302 EUR
€624.53You pay$1,000.00

TD Bank

Pay via Bank Transfer
Fees: $0.00 1 CAD = 0.6209 EUR +2.97% vs mid-market Recipient gets €620.90 6-12 Hours

Ways to receive money in Andorra with TD Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 0.6209 EUR
€620.90You pay$1,000.00

Wise

Pay via Credit Card
Fees: $32.14 1 CAD = 0.6396 EUR 0.00% vs mid-market Recipient gets €619.05 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Andorra with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$32.141 CAD = 0.6396 EUR
€619.05You pay$1,000.00
How Our Results Work
Mid-market rate: 1 CAD = 0.6396 EUR Updates every 60 minutes.

How to send money from Canada to Andorra

Pick a company

Start with the cheapest, which is Remitly at 638.6 EUR on CA$1,000.

Remitly was the cheapest on 15 of the 30 days it quoted CA$1,000 transfers to Andorra.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 5 ways to pay, including interac, bank transfer, debit card, credit card, and bill payment.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to Andorra?

How much CAD you send to Andorra 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.

Our analysis shows Remitly was the cheapest in 72% of the transfers up to C$1,000 it quoted, and in 65% of all the transfers it quoted.

Cheapest service
$100-0.30%$0.00€64.18with debit card to bank deposit+€1.42
$500-0.32%$0.00€320.90with debit card to bank deposit+€5.33
$1,000This page0.15%$0.00€638.60with debit card to bank deposit+€7.46
$3,0000.52%$0.00€1,908.30with bank transfer to bank deposit+€13.97
$10,0000.27%$0.00€6,380.21with bank transfer to bank deposit+€48.31
$50,0000.25%$0.00€31,884.99with bank transfer to bank deposit+€102.34

Mid-market rate: 1 CAD = 0.6396 EUR

CAD/EUR Exchange Rate History

Is today a good time to send money from Canada to Andorra?

The cheapest way to send CAD to EUR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 1,000 CAD transfers to Andorra.

EUR received for $1,000, after fees

Wed, Oct 28, 2026Mid-market rate€639.59 Remitly €638.60 TD Bank €620.90Remitly€638.60Instarem€638.40Wise€635.55Extra cost of a bank€17.70

600
610
620
630
640
650
At the mid-market rateWith the cheapest optionWith a bankRemitlyInstaremWise
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6203 – €620.34
Wise Cheapest 0.6203 $6.34 €616.40 −€3.94
Remitly 0.6162 $0.00 €616.20 −€4.14
TD Bank 0.6029 $0.00 €602.89 −€17.45
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6209 – €620.89
Instarem Cheapest 0.6203 $0.00 €620.30 −€0.59
Remitly 0.6172 $0.00 €617.20 −€3.69
Wise 0.6210 $6.34 €617.07 −€3.82
TD Bank 0.6036 $0.00 €603.61 −€17.28
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6207 – €620.72
Wise Cheapest 0.6207 $6.34 €616.79 −€3.93
Remitly 0.6159 $0.00 €615.90 −€4.82
TD Bank 0.6036 $0.00 €603.61 −€17.11
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6247 – €624.69
Remitly 0.6207 $0.00 €620.70 −€3.99
Wise Cheapest 0.6247 $6.34 €620.70 −€3.99
TD Bank 0.6026 $0.00 €602.57 −€22.12
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6233 – €623.33
Wise Cheapest 0.6236 $6.34 €619.62 −€3.71
Remitly 0.6194 $0.00 €619.40 −€3.93
TD Bank 0.6069 $0.00 €606.86 −€16.47
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6233 – €623.29
Wise Cheapest 0.6236 $6.34 €619.62 −€3.66
Remitly 0.6194 $0.00 €619.40 −€3.88
TD Bank 0.6059 $0.00 €605.88 −€17.40
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6266 – €626.62
Instarem Cheapest 0.6256 $0.00 €625.60 −€1.02
Wise 0.6265 $6.34 €622.56 −€4.06
Remitly 0.6225 $0.00 €622.50 −€4.12
TD Bank 0.6059 $0.00 €605.88 −€20.74
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6249 – €624.86
Instarem Cheapest 0.6238 $0.00 €623.80 −€1.06
Wise 0.6249 $6.34 €620.93 −€3.93
Remitly 0.6207 $0.00 €620.70 −€4.15
TD Bank 0.6073 $0.00 €607.26 −€17.60
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6264 – €626.42
Wise Cheapest 0.6264 $6.34 €622.40 −€4.02
Remitly 0.6221 $0.00 €622.10 −€4.32
TD Bank 0.6071 $0.00 €607.10 −€19.32
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6261 – €626.12
Wise Cheapest 0.6261 $6.34 €622.13 −€3.99
Remitly 0.6220 $0.00 €622.00 −€4.12
TD Bank 0.6086 $0.00 €608.62 −€17.50
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6266 – €626.60
Wise Cheapest 0.6266 $6.34 €622.67 −€3.93
Remitly 0.6225 $0.00 €622.50 −€4.10
TD Bank 0.6083 $0.00 €608.33 −€18.27
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6258 – €625.79
Wise Cheapest 0.6263 $6.34 €622.29 −€3.50
Remitly 0.6220 $0.00 €622.00 −€3.79
TD Bank 0.6079 $0.00 €607.94 −€17.85
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6258 – €625.79
Wise Cheapest 0.6263 $6.34 €622.29 −€3.50
Remitly 0.6220 $0.00 €622.00 −€3.79
TD Bank 0.6079 $0.00 €607.94 −€17.85
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6266 – €626.63
Instarem Cheapest 0.6256 $0.00 €625.60 −€1.03
Wise 0.6266 $6.34 €622.66 −€3.97
Remitly 0.6223 $0.00 €622.30 −€4.33
TD Bank 0.6084 $0.00 €608.35 −€18.28
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6270 – €627.02
Remitly Cheapest 0.6260 $0.00 €626.00 −€1.02
Wise 0.6269 $6.34 €622.96 −€4.06
TD Bank 0.6090 $0.00 €608.99 −€18.03
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6280 – €628.04
Remitly Cheapest 0.6270 $0.00 €627.00 −€1.04
Wise 0.6280 $6.34 €623.98 −€4.06
TD Bank 0.6101 $0.00 €610.07 −€17.97
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6277 – €627.69
Remitly Cheapest 0.6268 $0.00 €626.80 −€0.89
Wise 0.6277 $6.34 €623.72 −€3.97
TD Bank 0.6096 $0.00 €609.61 −€18.08
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6279 – €627.92
Remitly Cheapest 0.6269 $0.00 €626.90 −€1.02
Wise 0.6279 $6.34 €623.87 −€4.05
TD Bank 0.6095 $0.00 €609.47 −€18.45
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6286 – €628.57
Remitly Cheapest 0.6283 $0.00 €628.30 −€0.27
Instarem 0.6282 $0.00 €628.20 −€0.37
Wise 0.6293 $6.34 €625.33 −€3.24
TD Bank 0.6095 $0.00 €609.47 −€19.10
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6286 – €628.57
Remitly Cheapest 0.6283 $0.00 €628.30 −€0.27
Instarem 0.6282 $0.00 €628.20 −€0.37
Wise 0.6293 $6.34 €625.33 −€3.24
TD Bank 0.6111 $0.00 €611.06 −€17.51
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6320 – €631.98
Remitly Cheapest 0.6309 $0.00 €630.90 −€1.08
Wise 0.6319 $6.34 €627.94 −€4.04
TD Bank 0.6111 $0.00 €611.06 −€20.92
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6324 – €632.44
Remitly Cheapest 0.6317 $0.00 €631.70 −€0.74
Wise 0.6324 $6.34 €628.41 −€4.03
TD Bank 0.6147 $0.00 €614.69 −€17.75
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6337 – €633.75
Remitly Cheapest 0.6328 $0.00 €632.80 −€0.95
Instarem 0.6327 $0.00 €632.70 −€1.05
Wise 0.6338 $6.34 €629.74 −€4.01
TD Bank 0.6164 $0.00 €616.36 −€17.39
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6344 – €634.37
Remitly Cheapest 0.6331 $0.00 €633.10 −€1.27
Wise 0.6343 $6.34 €630.27 −€4.10
TD Bank 0.6154 $0.00 €615.42 −€18.95
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6363 – €636.33
Remitly Cheapest 0.6355 $0.00 €635.50 −€0.83
Wise 0.6363 $6.34 €632.31 −€4.02
TD Bank 0.6178 $0.00 €617.76 −€18.57
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6375 – €637.51
Remitly 0.6363 $0.00 €636.30 −€1.21
Instarem Cheapest 0.6363 $0.00 €636.30 −€1.21
Wise 0.6374 $6.34 €633.31 −€4.20
TD Bank 0.6178 $0.00 €617.76 −€19.75
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6375 – €637.51
Remitly Cheapest 0.6363 $0.00 €636.30 −€1.21
Wise 0.6374 $6.34 €633.31 −€4.20
TD Bank 0.6185 $0.00 €618.47 −€19.04
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6362 – €636.20
Remitly Cheapest 0.6352 $0.00 €635.20 −€1.00
Wise 0.6362 $6.34 €632.17 −€4.03
TD Bank 0.6174 $0.00 €617.41 −€18.79
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6389 – €638.91
Remitly Cheapest 0.6379 $0.00 €637.90 −€1.01
Wise 0.6389 $6.34 €634.84 −€4.07
TD Bank 0.6201 $0.00 €620.06 −€18.85
Instarem No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 0.6396 – €639.59
Remitly Cheapest 0.6386 $0.00 €638.60 −€0.99
Instarem 0.6384 $0.00 €638.40 −€1.19
Wise 0.6396 $6.34 €635.55 −€4.04
TD Bank 0.6209 $0.00 €620.90 −€18.69

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more EUR per CAD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of EUR on every transfer from Canada.

Right now, Remitly pays 638.6 EUR on 1,000 CAD, which is 0.99 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Andorra.

We've tracked 180 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. RemitlyAppeared in 108 comparisons

    Cheapest in 65% of them

  2. InstaremAppeared in 27 comparisons

    Cheapest in 56% of them

  3. WiseAppeared in 180 comparisons

    Cheapest in 18% of them

  4. TD BankAppeared in 119 comparisons

    Never the cheapest

Based on 180 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Remitly is the cheapest and gets you the most EUR, and it was also the cheapest in 65% of the 108 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Andorra.

Ways to send money from Canada to Andorra

There are 6 companies sending money to Andorra, but how you send depends on your needs.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Remitly charges CA$0 in fees and adds 0.15% markup, so your CA$1,000 delivers 638.6 EUR in within an hour.

Over the past month, Remitly was the cheapest app on 50% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 6 companies we compared, Remitly is the cheapest online service and currently gets you 638.6 EUR on a CA$1,000 transfer after a CA$0 fee and 0.15% markup.

In our comparisons over the past month, it was the cheapest online service on 15 of the 30 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

The most expensive way

Banks

A wire from your bank carries a $30 to $80 fee, plus another 1.5 to 3% inside the exchange rate that you won't see itemized anywhere.

On a CA$1,000 transfer, a bank like TD Bank delivers 620.9 EUR, against 638.6 EUR with Remitly.

We found TD Bank was the cheapest bank on 30 of the 30 days it appeared for this amount.

The wire can feel like the safer choice for a big amount, but bank deposit insurance and the safeguards used by money transfer companies are just as safe, just different protections.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

For large transfers (CA$15,000+), brokers like Currencies Direct or RegencyFX charge no fee, but add a margin that gets lower the more you send. Run a live search with your real amount to see it.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in EUR.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in EUR, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Wise lets you hold CAD and EUR, and convert between them at low cost.

For example, converting $1,000 costs $6.34 in fees at 0% markup, which gets you 635.55 EUR.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund CAD and receive EUR in Andorra

With Remitly, paying by debit card and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 638.6 EUR.

Our data shows that Remitly gets your recipient 17.7 EUR more than TD Bank, today's cheapest bank, on the same CA$1,000.

Deposit CAD using interac, bank transfer, debit card, credit card, and bill payment.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive EUR through bank deposit.

For a bank deposit payout, you will need the recipient's bank details in Andorra.

  1. 1
    debit card Bank deposit

    You pay CA$1,000.00

    €639

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay CA$1,000.00

    €639

    €0

  3. 3
    Interac Bank deposit

    You pay CA$1,000.00

    €639

    €0

  4. 4
    credit card Bank deposit

    You pay CA$1,020.00

    €639

    €0

  5. 5
    Bill payment Bank deposit

    You pay CA$1,000.00

    €630

    -€8

Consider this when sending CAD to Andorra

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/EUR transfer options

For a CA$1,000 transfer to Andorra, these are the cheapest, fastest and easiest options available now.

Best way to send money to Andorra

Remitly is the cheapest and easiest option, funded by debit card with bank deposit for the payout. Your recipient gets 638.6 EUR, which is 0.03% more than the next best option.

Fastest way to send money to Andorra

Remitly is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 638.6 EUR in within an hour.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Andorra.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 6 FINTRAC-registered companies sending CAD to Andorra, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 180 comparisons across 6 amounts.

This page covers the cheapest and fastest options for CAD/EUR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. 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.