Currencies Direct is the cheapest way to send money from Canada to Croatia based on the 10 companies we analyzed, giving your recipient 636.5 EUR from CA$1,000.
| 10 of 10 providers Last updated on 28 October 2026 | |||
| Based on 1,000 CAD transfer Best companies for CAD/EUR transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $6.34 1 CAD = 0.6396 EUR 0.00% vs mid-market | Recipient gets €635.55 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 = 0.6396 EUR €635.55You pay$1,000.00 | |||
| Ad  Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 0.6364 EUR +0.50% vs mid-market | Recipient gets €636.40 Within minutes | |
Ways to receive money in Croatia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 0.6364 EUR €636.40You pay$1,000.00 | |||
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 = 0.6365 EUR +0.48% vs mid-market | Recipient gets €636.50 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 = 0.6365 EUR €636.50You pay$1,000.00 | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 0.6364 EUR +0.50% vs mid-market | Recipient gets €636.40 Within minutes | |
Ways to receive money in Croatia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 0.6364 EUR €636.40You pay$1,000.00 | |||
| Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6364 EUR +0.50% vs mid-market | Recipient gets €636.40 Within a week | |
Ways to receive money in Croatia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 0.6364 EUR €636.40You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 0.6364 EUR +0.50% vs mid-market | Recipient gets €636.40 Within a week | |
Ways to receive money in Croatia with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 0.6364 EUR €636.40You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 0.6364 EUR +0.50% vs mid-market | Recipient gets €636.40 Within minutes | |
Ways to receive money in Croatia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $20.001 CAD = 0.6364 EUR €636.40You pay$1,020.00 | |||
| Wise Pay via Bank Transfer | Fees: $6.34 1 CAD = 0.6396 EUR 0.00% vs mid-market | Recipient gets €635.55 Same day | |
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 = 0.6396 EUR €635.55You pay$1,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6354 EUR +0.65% vs mid-market | Recipient gets €635.43 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 = 0.6354 EUR €635.43You pay$1,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 CAD = 0.6325 EUR +1.11% vs mid-market | Recipient gets €632.47 Next Day | |
Ways to receive money in Croatia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.6325 EUR €632.47You pay$1,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6325 EUR +1.11% vs mid-market | Recipient gets €632.47 Next Day | |
Ways to receive money in Croatia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.6325 EUR €632.47You 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 | |
Ways to receive money in Croatia with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $12.061 CAD = 0.6396 EUR €631.89You 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 | |
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 = 0.6396 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 €627.24 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 = 0.6272 EUR €627.24You pay$1,000.00 | |||
| Paysend Pay via Credit Card | Fees: $0.00 1 CAD = 0.6272 EUR +1.96% vs mid-market | Recipient gets €627.24 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 = 0.6272 EUR €627.24You pay$1,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit Card | Fees: $4.99 1 CAD = 0.6272 EUR +1.96% vs mid-market | Recipient gets €627.20 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 = 0.6272 EUR €627.20You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $4.99 1 CAD = 0.6272 EUR +1.96% vs mid-market | Recipient gets €627.20 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 = 0.6272 EUR €627.20You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $4.99 1 CAD = 0.6272 EUR +1.96% vs mid-market | Recipient gets €627.20 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 = 0.6272 EUR €627.20You pay$1,004.99 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6268 EUR +2.00% vs mid-market | Recipient gets €626.80 Next Day | |
Ways to receive money in Croatia with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.6268 EUR €626.80You 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 Croatia 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 | |||
 RBC Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.6205 EUR +3.03% vs mid-market | Recipient gets €620.51 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 = 0.6205 EUR €620.51You 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 | |
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 = 0.6396 EUR €619.05You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 0.6396 EUR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Currencies Direct at 636.5 EUR on CA$1,000.
Currencies Direct was the cheapest on 10 of the 30 days it quoted CA$1,000 transfers to Croatia.
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.
Our analysis shows Currencies Direct was the cheapest in 34% of the transfers up to C$1,000 it quoted, and in 25% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $100 | 0.31% | $6.00 | €63.78with bank transfer to bank deposit | +€1.06 | |
| $500 | 0.49% | $0.00 | €318.30with bank transfer to bank deposit | +€3.35 | |
| $1,000This page | 0.48% | $0.00 | €636.50with bank transfer to bank deposit | +€6.41 | |
| $3,000 | $0.00 | €1,908.90with bank transfer to bank deposit | +€203.62 | ||
| $10,000 | 0.25% | $0.00 | €6,381.85with bank transfer to bank deposit | +€42.53 | |
| $50,000 | 0.20% | $0.00 | €31,903.86with bank transfer to bank deposit | +€189.47 |
Mid-market rate: 1 CAD = 0.6396 EUR
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 Currencies Direct), across 30 days of comparisons for 1,000 CAD transfers to Croatia.
Wed, Oct 28, 2026Mid-market rate€639.59 Currencies Direct €636.50 TD Bank €620.90Currencies Direct€636.50Remitly€636.40Wise€635.55Extra cost of a bank€15.60
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6203 | – | €620.34 | |
| | 0.6171 | $0.00 | €617.10 | −€3.24 |
| | 0.6203 | $6.34 | €616.40 | −€3.94 |
| | 0.6161 | $0.00 | €616.10 | −€4.24 |
| | 0.6029 | $0.00 | €602.89 | −€17.45 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6209 | – | €620.89 | |
 | 0.6200 | $0.00 | €620.00 | −€0.89 |
| | 0.6180 | $0.00 | €618.00 | −€2.89 |
| | 0.6209 | $6.34 | €616.98 | −€3.91 |
| | 0.6168 | $0.00 | €616.80 | −€4.09 |
| | 0.6036 | $0.00 | €603.61 | −€17.28 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6207 | – | €620.72 | |
| | 0.6176 | $0.00 | €617.60 | −€3.12 |
| | 0.6168 | $0.00 | €616.80 | −€3.92 |
| | 0.6207 | $6.34 | €616.75 | −€3.97 |
| | 0.6026 | $0.00 | €602.57 | −€18.15 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6247 | – | €624.69 | |
| | 0.6237 | $0.00 | €623.70 | −€0.99 |
| | 0.6215 | $0.00 | €621.50 | −€3.19 |
| | 0.6210 | $0.00 | €621.00 | −€3.69 |
| | 0.6247 | $6.34 | €620.74 | −€3.95 |
| | 0.6069 | $0.00 | €606.86 | −€17.83 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6233 | – | €623.33 | |
| | 0.6204 | $0.00 | €620.40 | −€2.93 |
| | 0.6198 | $0.00 | €619.80 | −€3.53 |
| | 0.6236 | $6.34 | €619.62 | −€3.71 |
| | 0.6059 | $0.00 | €605.88 | −€17.45 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6233 | – | €623.29 | |
| | 0.6225 | $0.00 | €622.50 | −€0.78 |
| | 0.6204 | $0.00 | €620.40 | −€2.88 |
| | 0.6198 | $0.00 | €619.80 | −€3.49 |
| | 0.6236 | $6.34 | €619.62 | −€3.66 |
| | 0.6059 | $0.00 | €605.88 | −€17.40 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6266 | – | €626.62 | |
| | 0.6234 | $0.00 | €623.40 | −€3.22 |
| | 0.6228 | $0.00 | €622.80 | −€3.82 |
| | 0.6266 | $6.34 | €622.62 | −€4.00 |
| | 0.6073 | $0.00 | €607.26 | −€19.36 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6249 | – | €624.86 | |
| | 0.6218 | $0.00 | €621.80 | −€3.06 |
| | 0.6211 | $0.00 | €621.10 | −€3.75 |
| | 0.6248 | $6.34 | €620.87 | −€3.99 |
| | 0.6071 | $0.00 | €607.10 | −€17.75 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6264 | – | €626.42 | |
| | 0.6233 | $0.00 | €623.30 | −€3.12 |
| | 0.6226 | $0.00 | €622.60 | −€3.82 |
| | 0.6264 | $6.34 | €622.45 | −€3.97 |
| | 0.6071 | $0.00 | €607.10 | −€19.32 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6261 | – | €626.12 | |
 | 0.6242 | $6.00 | €624.24 | −€1.88 |
| | 0.6231 | $0.00 | €623.10 | −€3.02 |
| | 0.6223 | $0.00 | €622.30 | −€3.82 |
| | 0.6261 | $6.34 | €622.13 | −€3.99 |
| | 0.6086 | $0.00 | €608.62 | −€17.50 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6266 | – | €626.57 | |
| | 0.6234 | $0.00 | €623.40 | −€3.17 |
| | 0.6229 | $0.00 | €622.90 | −€3.67 |
| | 0.6266 | $6.34 | €622.60 | −€3.97 |
| | 0.6083 | $0.00 | €608.33 | −€18.24 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6258 | – | €625.79 | |
| | 0.6239 | $6.00 | €623.91 | −€1.88 |
| | 0.6230 | $0.00 | €623.00 | −€2.79 |
| | 0.6224 | $0.00 | €622.40 | −€3.39 |
| | 0.6263 | $6.34 | €622.29 | −€3.50 |
| | 0.6079 | $0.00 | €607.94 | −€17.85 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6258 | – | €625.79 | |
| | 0.6251 | $0.00 | €625.10 | −€0.69 |
| | 0.6230 | $0.00 | €623.00 | −€2.79 |
| | 0.6224 | $0.00 | €622.40 | −€3.39 |
| | 0.6263 | $6.34 | €622.29 | −€3.50 |
| | 0.6079 | $0.00 | €607.94 | −€17.85 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6266 | – | €626.63 | |
| | 0.6234 | $0.00 | €623.40 | −€3.23 |
| | 0.6228 | $0.00 | €622.80 | −€3.83 |
| | 0.6265 | $6.34 | €622.52 | −€4.11 |
| | 0.6084 | $0.00 | €608.35 | −€18.28 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6270 | – | €627.03 | |
| | 0.6250 | $6.00 | €625.00 | −€2.03 |
| | 0.6243 | $0.00 | €624.30 | −€2.73 |
| | 0.6240 | $0.00 | €624.00 | −€3.03 |
| | 0.6270 | $6.34 | €622.99 | −€4.04 |
| | 0.6090 | $0.00 | €608.99 | −€18.04 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6280 | – | €628.04 | |
| | 0.6254 | $0.00 | €625.40 | −€2.64 |
| | 0.6248 | $0.00 | €624.80 | −€3.24 |
| | 0.6280 | $6.34 | €624.02 | −€4.02 |
| | 0.6101 | $0.00 | €610.07 | −€17.97 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6277 | – | €627.69 | |
| | 0.6266 | $0.00 | €626.60 | −€1.09 |
| | 0.6251 | $0.00 | €625.10 | −€2.59 |
| | 0.6246 | $0.00 | €624.60 | −€3.09 |
| | 0.6277 | $6.34 | €623.72 | −€3.97 |
| | 0.6096 | $0.00 | €609.61 | −€18.08 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6279 | – | €627.95 | |
| | 0.6268 | $0.00 | €626.80 | −€1.15 |
| | 0.6251 | $0.00 | €625.10 | −€2.85 |
| | 0.6247 | $0.00 | €624.70 | −€3.25 |
| | 0.6279 | $6.34 | €623.89 | −€4.06 |
| | 0.6095 | $0.00 | €609.47 | −€18.48 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6286 | – | €628.57 | |
| | 0.6267 | $6.00 | €626.69 | −€1.88 |
| | 0.6266 | $0.00 | €626.60 | −€1.97 |
| | 0.6261 | $0.00 | €626.10 | −€2.47 |
| | 0.6293 | $6.34 | €625.33 | −€3.24 |
| | 0.6111 | $0.00 | €611.06 | −€17.51 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6286 | – | €628.57 | |
| | 0.6282 | $0.00 | €628.20 | −€0.37 |
| | 0.6264 | $0.00 | €626.40 | −€2.17 |
| | 0.6261 | $0.00 | €626.10 | −€2.47 |
| | 0.6293 | $6.34 | €625.33 | −€3.24 |
| | 0.6111 | $0.00 | €611.06 | −€17.51 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6321 | – | €632.12 | |
| | 0.6292 | $0.00 | €629.20 | −€2.92 |
| | 0.6290 | $0.00 | €629.00 | −€3.12 |
| | 0.6321 | $6.34 | €628.14 | −€3.98 |
| | 0.6147 | $0.00 | €614.69 | −€17.43 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6324 | – | €632.44 | |
| | 0.6314 | $0.00 | €631.40 | −€1.04 |
| | 0.6296 | $0.00 | €629.60 | −€2.84 |
| | 0.6293 | $0.00 | €629.30 | −€3.14 |
| | 0.6325 | $6.34 | €628.46 | −€3.98 |
| | 0.6147 | $0.00 | €614.69 | −€17.75 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6338 | – | €633.78 | |
| | 0.6308 | $0.00 | €630.80 | −€2.98 |
| | 0.6307 | $0.00 | €630.70 | −€3.08 |
| | 0.6338 | $6.34 | €629.74 | −€4.04 |
| | 0.6164 | $0.00 | €616.36 | −€17.42 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6344 | – | €634.41 | |
| | 0.6325 | $6.00 | €632.47 | −€1.94 |
| | 0.6315 | $0.00 | €631.50 | −€2.91 |
| | 0.6313 | $0.00 | €631.30 | −€3.11 |
| | 0.6344 | $6.34 | €630.36 | −€4.05 |
| | 0.6154 | $0.00 | €615.42 | −€18.99 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6363 | – | €636.30 | |
| | 0.6352 | $0.00 | €635.20 | −€1.10 |
| | 0.6333 | $0.00 | €633.30 | −€3.00 |
| | 0.6331 | $0.00 | €633.10 | −€3.20 |
| | 0.6363 | $6.34 | €632.27 | −€4.03 |
| | 0.6178 | $0.00 | €617.76 | −€18.54 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6375 | – | €637.51 | |
| | 0.6356 | $6.00 | €635.60 | −€1.91 |
| | 0.6343 | $0.00 | €634.30 | −€3.21 |
| | 0.6342 | $0.00 | €634.20 | −€3.31 |
| | 0.6374 | $6.34 | €633.31 | −€4.20 |
| | 0.6186 | $0.00 | €618.62 | −€18.89 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6375 | – | €637.51 | |
| | 0.6363 | $0.00 | €636.30 | −€1.21 |
| | 0.6343 | $0.00 | €634.30 | −€3.21 |
| | 0.6342 | $0.00 | €634.20 | −€3.31 |
| | 0.6374 | $6.34 | €633.31 | −€4.20 |
| | 0.6186 | $0.00 | €618.62 | −€18.89 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6362 | – | €636.21 | |
| | 0.6331 | $0.00 | €633.10 | −€3.11 |
| | 0.6330 | $0.00 | €633.00 | −€3.21 |
| | 0.6362 | $6.34 | €632.20 | −€4.01 |
| | 0.6180 | $0.00 | €617.97 | −€18.24 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6389 | – | €638.91 | |
| | 0.6370 | $6.00 | €636.97 | −€1.94 |
| | 0.6359 | $0.00 | €635.90 | −€3.01 |
| | 0.6358 | $0.00 | €635.80 | −€3.11 |
| | 0.6389 | $6.34 | €634.88 | −€4.03 |
| | 0.6201 | $0.00 | €620.06 | −€18.85 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6396 | – | €639.59 | |
| | 0.6365 | $0.00 | €636.50 | −€3.09 |
| | 0.6364 | $0.00 | €636.40 | −€3.19 |
| | 0.6396 | $6.34 | €635.55 | −€4.04 |
| | 0.6209 | $0.00 | €620.90 | −€18.69 |
| Exchange rate | Fees: | Recipient gets | Difference |
|---|
| Mid-market rate | 0.6396 | – | €639.59 | |
|---|---|---|---|---|
| Bank No quote collected this day | – | – | – | – |
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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, Currencies Direct pays 636.5 EUR on 1,000 CAD, which is 3.09 EUR less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 636.97 EUR.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Croatia.
We've tracked 179 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest in 28% of them
Cheapest in 12% of them
Cheapest in 2% of them
Never the cheapest
Based on 41 comparisons across 6 amounts over the last 7 days.
Cheapest in 25% of them
Cheapest in 15% of them
Cheapest in 4% of them
Never the cheapest
Based on 179 comparisons across 6 amounts over the last 30 days.
Cheapest in 24% of them
Cheapest in 16% of them
Cheapest in 5% of them
Never the cheapest
Based on 238 comparisons across 6 amounts over the last 90 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 Currencies Direct is the cheapest and gets you the most EUR, but it was the cheapest in only 25% of the 148 comparisons it appeared in over the past month.
Remitly (today's second cheapest) was the cheapest in only 15% of its comparisons, so it's rarely the cheapest option for transfers to Croatia.
If it's a one-off transfer, go with Currencies Direct, since it's the cheapest right now.
There are 10 companies sending money to Croatia, 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.
Remitly charges CA$0 in fees and adds 0.5% markup, so your CA$1,000 delivers 636.4 EUR in within an hour.
Over the past month, Remitly was the cheapest app on 40% 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
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of the 10 companies we compared, Remitly is the cheapest online service and currently gets you 636.4 EUR on a CA$1,000 transfer after a CA$0 fee and 0.5% markup.
In our comparisons over the past month, it was the cheapest online service on 12 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
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 636.5 EUR with Currencies Direct.
We found TD Bank was the cheapest bank on 27 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
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 0.48% on CAD/EUR interbank rate.
The markup gets lower the more you send, with an account manager handling it end to end.
Our analysis shows Currencies Direct was the cheapest broker in 68% of all the transfers it quoted.
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 0.48% markup, which gets you 636.5 EUR.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
With Currencies Direct, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 636.5 EUR.
Our data shows that Currencies Direct gets your recipient 15.6 EUR more than TD Bank, today's cheapest bank, on the same CA$1,000.
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.
For a bank deposit payout, you will need the recipient's bank details in Croatia.
You pay CA$1,000.00
€637
Cheapest
You pay CA$1,000.00
€636
-€0.10
You pay CA$1,000.00
€636
-€0.10
You pay CA$1,020.00
€636
-€0.10
You pay CA$1,004.99
€627
-€9
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 CA$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 636.5 EUR, which is 0.02% more than the next best option.
Fastest way to send money to Croatia
Remitly is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 636.4 EUR in within an hour.
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.
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 10 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.
In the past 30 days alone, we analyzed 179 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.
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