Currencies Direct is the cheapest way to send money from Canada to Croatia based on the 11 companies we analyzed, giving your recipient 617.7 EUR from $1,000.
| 11 of 11 providers Last updated on 28 September 2026 | |||
| Based on 1,000 CAD transfer Best companies for CAD/EUR transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $6.34 1 CAD = 0.6208 EUR 0.00% vs mid-market | Recipient gets €616.87 Same day | |
Ways to receive money in Croatia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $6.341 CAD = 0.6208 EUR €616.87You pay$1,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $4.99 1 CAD = 0.6082 EUR +2.05% vs mid-market | Recipient gets €608.20 6-12 Hours | |
Ways to receive money in Croatia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.6082 EUR €608.20You pay$1,004.99 | |||
Run a live search Showing top Canada to Croatia deals for 1,000 CAD. 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 CAD to EUR rates. | |||
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much CAD you're planning to spend in Croatia. | |||
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Currencies Direct Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6177 EUR +0.50% vs mid-market | Recipient gets €617.70 6-12 Hours | |
Ways to receive money in Croatia with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.6177 EUR €617.70You pay$1,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $6.34 1 CAD = 0.6208 EUR 0.00% vs mid-market | Recipient gets €616.87 Same day | |
Ways to receive money in Croatia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $6.341 CAD = 0.6208 EUR €616.87You pay$1,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6168 EUR +0.65% vs mid-market | Recipient gets €616.78 6-12 Hours | |
Ways to receive money in Croatia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.6168 EUR €616.78You pay$1,000.00 | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 0.6166 EUR +0.68% vs mid-market | Recipient gets €616.60 2 Days | |
Ways to receive money in Croatia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 0.6166 EUR €616.60You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 0.6166 EUR +0.68% vs mid-market | Recipient gets €616.60 2 Days | |
Ways to receive money in Croatia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 CAD = 0.6166 EUR €616.60You pay$1,020.00 | |||
| Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6166 EUR +0.68% vs mid-market | Recipient gets €616.60 2 Days | |
Ways to receive money in Croatia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 0.6166 EUR €616.60You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 0.6166 EUR +0.68% vs mid-market | Recipient gets €616.60 2 Days | |
Ways to receive money in Croatia with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 0.6166 EUR €616.60You pay$1,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 CAD = 0.6142 EUR +1.07% vs mid-market | Recipient gets €614.16 Next Day | |
Ways to receive money in Croatia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.6142 EUR €614.16You pay$1,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6142 EUR +1.07% vs mid-market | Recipient gets €614.16 Next Day | |
Ways to receive money in Croatia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.6142 EUR €614.16You pay$1,000.00 | |||
| Wise Pay via Interac | Fees: $12.06 1 CAD = 0.6208 EUR 0.00% vs mid-market | Recipient gets €613.32 Within minutes | |
Ways to receive money in Croatia with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $12.061 CAD = 0.6208 EUR €613.32You pay$1,000.00 | |||
| Wise Pay via Debit Card | Fees: $17.38 1 CAD = 0.6208 EUR 0.00% vs mid-market | Recipient gets €610.02 Within minutes | |
Ways to receive money in Croatia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $17.381 CAD = 0.6208 EUR €610.02You pay$1,000.00 | |||
 Paysend Pay via Debit Card | Fees: $0.00 1 CAD = 0.6089 EUR +1.94% vs mid-market | Recipient gets €608.88 6-12 Hours | |
Ways to receive money in Croatia with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.6089 EUR €608.88You pay$1,000.00 | |||
| Paysend Pay via Credit Card | Fees: $0.00 1 CAD = 0.6089 EUR +1.94% vs mid-market | Recipient gets €608.88 6-12 Hours | |
Ways to receive money in Croatia with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.6089 EUR €608.88You pay$1,000.00 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6084 EUR +2.00% vs mid-market | Recipient gets €608.40 Next Day | |
Ways to receive money in Croatia with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.6084 EUR €608.40You pay$1,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $4.99 1 CAD = 0.6082 EUR +2.05% vs mid-market | Recipient gets €608.20 6-12 Hours | |
Ways to receive money in Croatia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.6082 EUR €608.20You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $4.99 1 CAD = 0.6082 EUR +2.05% vs mid-market | Recipient gets €608.20 6-12 Hours | |
Ways to receive money in Croatia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.6082 EUR €608.20You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $4.99 1 CAD = 0.6082 EUR +2.05% vs mid-market | Recipient gets €608.20 6-12 Hours | |
Ways to receive money in Croatia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.6082 EUR €608.20You pay$1,004.99 | |||
 TD Bank Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6029 EUR +2.92% vs mid-market | Recipient gets €602.94 6-12 Hours | |
Ways to receive money in Croatia with TD Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.6029 EUR €602.94You pay$1,000.00 | |||
 RBC Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6016 EUR +3.14% vs mid-market | Recipient gets €601.64 6-12 Hours | |
Ways to receive money in Croatia with RBC when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.6016 EUR €601.64You pay$1,000.00 | |||
| Wise Pay via Credit Card | Fees: $32.14 1 CAD = 0.6208 EUR 0.00% vs mid-market | Recipient gets €600.85 Within minutes | |
Ways to receive money in Croatia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $32.141 CAD = 0.6208 EUR €600.85You pay$1,000.00 | |||
 Ria Money Transfer Pay via Debit Card | Fees: $45.00 1 CAD = 0.6056 EUR +2.48% vs mid-market | Recipient gets €578.35 6-12 Hours | |
Ways to receive money in Croatia with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $45.001 CAD = 0.6056 EUR €578.35You pay$1,000.00 Mobile wallet6-12 Hours $45.001 CAD = 0.6056 EUR €578.35You pay$1,000.00 | |||
| Ria Money Transfer Pay via Credit Card | Fees: $65.00 1 CAD = 0.6056 EUR +2.48% vs mid-market | Recipient gets €566.24 6-12 Hours | |
Ways to receive money in Croatia with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $65.001 CAD = 0.6056 EUR €566.24You pay$1,000.00 Mobile wallet6-12 Hours $65.001 CAD = 0.6056 EUR €566.24You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 0.6208 EUR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Currencies Direct at 617.7 EUR on $1,000.
More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.
You have 5 ways to pay, including bank transfer, debit card, credit card, interac, and cash deposit.
Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.
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.
How much CAD you send to Croatia 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 | |||||
|---|---|---|---|---|---|
| $100 | 0.16% | $0.00 | €61.98with interac to bank deposit | +€5.06 | |
| $500 | $0.00 | €308.85with bank transfer to bank deposit | +€34.44 | ||
| $1,000This page | 0.50% | $0.00 | €617.70with bank transfer to bank deposit | +€9.96 | |
| $10,000 | 0.25% | $0.00 | €6,191.95with bank transfer to bank deposit | +€41.83 | |
| $50,000 | 0.20% | $0.00 | €30,966.74with bank transfer to bank deposit | +€211.25 |
Mid-market rate: 1 CAD = 0.6208 EUR
There are 11 companies sending money to India, but how you send depends on your needs.
For transfers home
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.
Wise charges $6.34 in fees and adds 0% markup, so your $1,000 delivers 616.87 EUR in next day.
You don't need a SIN to sign up either, a passport works.
For one-off transfers
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of 11 online companies, Wise is the cheapest and currently gets you 616.87 EUR on a $1,000 transfer after a $6.34 fee and 0% markup.
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
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 $1,000 transfer, a bank like TD Bank delivers 602.94 EUR, against 602.94 EUR with Currencies Direct.
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
For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.
Brokers like Currencies Direct charge no fees but add 0.5% on CAD/EUR interbank rate.
The markup gets lower the more you send, with an account manager handling it end to end.
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 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
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.
Currencies Direct lets you hold CAD and EUR, and convert between them at low cost.
For example, converting $1,000 costs $0 in fees at 0.5% markup, which gets you 617.7 EUR.
With Currencies Direct, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $1,000 gives your recipient 617.7 EUR.
Deposit CAD using bank transfer, debit card, credit card, interac, and cash deposit.
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 and mobile wallet.
For a bank deposit payout, you will need the recipient's bank details in Croatia.
You pay $1,000.00
€618
Cheapest
You pay $1,000.00
€617
-€1
You pay $1,020.00
€617
-€1
You pay $1,000.00
€617
-€1
You pay $1,004.99
€608
-€10
You pay $1,000.00
€578
-€39
You pay $1,000.00
€566
-€51
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.
For a $1,000 transfer to Croatia, these are the cheapest, fastest and easiest options available now.
Best way to send money to Croatia
Currencies Direct is the cheapest and easiest option, funded by bank transfer with bank deposit for the payout. Your recipient gets 617.7 EUR, which is 0.13% more than the next best option.
Fastest way to send money to Croatia
Currencies Direct is fastest when you pay by bank transfer and choose bank deposit for the payout. The transfer delivers 617.7 EUR in 6-12 hours.
An Interac e-Transfer cannot go directly to a recipient in Croatia.
When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.
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.
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.
The rate has a direct impact on the EUR amount received. The last seven days show how today's CAD quote compares with the recent market.
Mid-market rate:1 CAD = 0.621723 EUR
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 11 FINTRAC-registered companies sending CAD to Croatia, updated in real time during a live search, compared on rates, fees and how your recipient can collect.
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.
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