How to send money from Canada to US with the best CAD/USD exchange rate

Compare and find the best ways to send money to the United States from Canada.

To make it easier, here are your best options:

  • Wise is the best way to send money from Canada to the United States

  • Key Currency is the cheapest way to send CAD to the United States

  • Currencyflow is the fastest way to transfer CAD/USD

Otherwise, keep reading to find more deals, expert information, and learn everything you need to know about CAD/USDtransfers.

Transferring the other way? Send USD from United States to Canada instead.
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November 24th, 2025

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Best money transfer companies

Cheapest ways to send money from Canada to US

These are the best remittance companies on the market for sending money online to the United States from Canada.

All CAD/USDexchange rates, fees, and remittance companies are updated daily. Data verified via the MoneyTransfers.com comparison engine and live feeds from money transfer companies.

Last updated: Today
Mid-market rate as of 11/24/2025: 1 CAD = 0.709469 USD
Results below are based on a 10000 CAD search
Promoted
Wise
Recipient gets (USD)
$7,058.95
Full transfer details
Visit Wise
$177 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Promoted
Xe
Recipient gets (USD)
$7,001.00
Full transfer details
Visit Xe
$119 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Sort by:
0 of 18 providers
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (USD)
$7,076.95
Full transfer details
Visit Key Currency
$195 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (USD)
$7,076.24
Full transfer details
Visit Currencyflow
$194 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (USD)
$7,075.53
Full transfer details
Visit Regency FX
$194 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
4
TorFx
Recipient gets (USD)
$7,073.41
Full transfer details
Visit TorFx
$192 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
OFX
Recipient gets (USD)
$7,059.22
Full transfer details
Visit OFX
$177 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
6
Currencies Direct
Recipient gets (USD)
$7,059.00
Full transfer details
Visit Currencies Direct
$177 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
7
Wise
Recipient gets (USD)
$7,058.95
Full transfer details
Visit Wise
$177 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
8
CurrencyFair
Recipient gets (USD)
$7,048.00
Full transfer details
Visit CurrencyFair
$166 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
9
Xe
Recipient gets (USD)
$7,001.00
Full transfer details
Visit Xe
$119 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Only available via Mobile App
10
WorldRemit
Recipient gets (USD)
$6,950.63
Full transfer details
Visit WorldRemit
$69 better than a typical bank*

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
11
Profee
Recipient gets (USD)
$6,946.24
Full transfer details
Visit Profee
$64 better than a typical bank*

"Card-to-card transfers can be received in just two minutes."

Personal account manager
Multi-currency card
Receive to bank account or debit card
12
Remitly
Recipient gets (USD)
$6,945.00
Full transfer details
Visit Remitly
$63 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (USD)
    $6,857.25
    Not recommended
  • PayPal
    PayPal
    Recipient gets (USD)
    $6,531.66
    Not recommended
Promoted
Wise
Recipient gets (USD)
$7,058.95
Full transfer details
Visit Wise
$177 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Promoted
Xe
Recipient gets (USD)
$7,001.00
Full transfer details
Visit Xe
$119 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

What is the best way to send money to US from Canada?

We’ve compared 18 money transfer companies for CAD/USD transfers.

Key Currency is currently the cheapest and the best overall option. It offers the best CAD/USD exchange rate (1 CAD = 0.7077 USD) and the lowest fees of 0 CAD.

For a 10,000 CAD transfer, you will receive 7,076.95 USD with Key Currency.

If you need money quickly, Currencyflow is the fastest way to send Canadian Dollars to the United States.

It will cost you 0 CAD, and USD will arrive in minutes - 24 hours.

If you didn’t find what you were looking for or have any questions, send us a quick message using the chat below or to our email contact@moneytransfers.com.

Key Currency is the cheapest way to send money from Canada (CAD) to United States (USD) - Key Currency Screenshot
Interbank Rates

Latest CAD to USD exchange rates

Exchange rates constantly change, so it’s very important to keep an eye on the current CAD/USD mid-market rate.

This way, you will be able to get the most US Dollars per Canadian Dollar.

Here are the latest CAD/USD conversion rates for the most popular transfer amounts.

CADUSD Price
1 CAD0.71
5 CAD3.55
10 CAD7.10
25 CAD17.74
50 CAD35.48
100 CAD70.95
150 CAD106.43
200 CAD141.91
250 CAD177.38
300 CAD212.86
400 CAD283.81
500 CAD354.76
600 CAD425.72
700 CAD496.67
800 CAD567.62
1000 CAD709.53
1500 CAD1064.29
2000 CAD1419.05
2500 CAD1773.82
3000 CAD2128.58
4000 CAD2838.11
5000 CAD3547.64
10000 CAD7095.27
15000 CAD10642.91
20000 CAD14190.54
30000 CAD21285.81
40000 CAD28381.08
50000 CAD35476.35
100000 CAD70952.70
USDCAD Price
1 USD1.41
5 USD7.05
10 USD14.09
25 USD35.23
50 USD70.47
100 USD140.94
150 USD211.41
200 USD281.88
250 USD352.35
300 USD422.82
400 USD563.76
500 USD704.69
600 USD845.63
700 USD986.57
800 USD1127.51
1000 USD1409.39
1500 USD2114.09
2000 USD2818.78
2500 USD3523.47
3000 USD4228.17
4000 USD5637.56
5000 USD7046.95
10000 USD14093.90
15000 USD21140.85
20000 USD28187.80
30000 USD42281.70
40000 USD56375.60
50000 USD70469.50
100000 USD140939.00

*Based on the mid-market rates (also known as the interbank rates or the "real" exchange rates). The actual rate offered during the transfer may vary depending on the FX markup added by the money transfer companies.

Top rated for transfers from Canada to United States
Wise
Total number of CA - US providers
18
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency
Best for debit card
Xe
Best for credit card
Paysend

Everything you need to know about sending CAD to USD

How to send money from Canada to US

Sending money to US from Canada is quick and easy, and usually takes less than 10 minutes from start to finish.

Follow these steps to get started:

  1. Pick the company - Pick the best money transfer company for your needs (we suggest Key Currency as it’s the cheapest) and click Visit Now*.

  2. Register and verify your account - This will require submitting your details, and you will need to provide an ID or a passport from Canada.

  3. Start the transfer - Once all verified, start the transfer, fill in the amount, and your recipient's details. This will include personal details and US bank account details (where they will receive US Dollars).

  4. Add payment details - Next, add your funding details. We suggest using a Bank transfer as it’s the cheapest deposit method for CAD/USD transfers.

  5. Verify and hit “Send” - Once all is done, scan through the details to make sure everything is correct and click the “Send” button. Your CAD will convert to USD and land in US bank account.

*We may receive a small commission when you click “Visit” links on our website. This does not influence the order of the remittance companies.

How to send money from Canada to US through a bank?

What is the cheapest way to send money to US from Canada?

The cheapest way to send money from Canada to the United States is with Key Currency.

Key Currency adds 0.25% to the interbank rate and charges 0 CAD for a 10,000 USD transfer. This means you will receive 7,076.95 USD.

In addition, we suggest using a bank transfer to deposit your funds. Based on our CAD/USD comparison, it is the cheapest payment method.

If you want to send more or less CAD to US, use our comparison form and update the amount field.

Key Currency is the cheapest way to send money from Canada (CAD) to United States (USD) - Key Currency Screenshot

What is the fastest way to transfer money from Canada to US?

The fastest way to send CAD to the United States is with Currencyflow.

Most money transfers between Canada and the United States will take minutes - 24 hours to arrive.

However, if you are sending a large amount of money (think 10,000+ CAD), it may take slightly longer depending on your bank.

Some banks may run additional checks, so if you are expecting to send or receive large amounts of money, we suggest contacting your bank in advance.

Currencyflow is the fastest way to send money from Canada (CAD) to United States (USD) - Currencyflow Screenshot

The best apps to send CAD to United States from Canada

Most money transfer companies have apps you can use to send money abroad.

We've compared and analyzed over 18 apps & companies for CAD/USD transfers and these are the best apps we found. All these apps are available on iOS and Android for free.

App

Rating

Mobile wallet

Currencies Direct App

iOS: 4.8 / 4.4K reviews

Android: 4.7 / 2.09K reviews

Yes (21 currencies)

CurrencyFair App

iOS: 4.6 / 951 reviews

Android: 3.7 / 1.06K reviews

Yes (17 currencies)

OFX App

iOS: 4.8 / 2.6K reviews

Android: 4.4 / 4.19K reviews

Yes (30+ currencies)

Profee App

iOS: 4.8 / 578 reviews

Android: 4.7 / 12.3K reviews

Yes (4 currencies)

Remitly App

iOS: 4.9 / 2.3M reviews

Android: 4.8 / 1.29M reviews

Yes (Remitly One)

TorFx App

iOS: 4.7 / 106 reviews

Android: 4.8 / 835 reviews

No

Wise App

iOS: 4.8 / 158K reviews

Android: 4.8 / 1.52M reviews

Yes (40+ currencies)

WorldRemit App

iOS: 4.7 / 99.8K reviews

Android: 4.7 / 229K reviews

No

Xe App

iOS: 4.8 / 108.4K reviews

Android: 4.8 / 346K reviews

No

Find the best CAD/USD transfer rates

How to get the best exchange rate for your money transfers from Canada to United States?

Keeping an eye on the exchange rate is extremely important, a small change in the interbank rate can get you over 100s USD more per transfer from Canada.

Mid-market Rate
1 
CAD
=
0.709527 
USD

Our comparison above already shows you the best exchange rates on the market for sending money from Canada to US.

To get an even better exchange rate, we recommend creating a free account on MoneyTransfers.com and saving this search, as well as setting up CAD/USD exchange rate alerts.

This will let you quickly access this search in your dashboard, and you will receive email notifications when the rate changes.

Want to secure the best CAD-US Dollar exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to send your money from Canada to United States!

  • What is the best payment method for CAD/USD transfers?

    bank transfer is the best deposit method to use when sending Canadian Dollars to the United States.

    After analyzing 18 remittance companies accepting CAD/USD, we found that it is the most cost-efficient option.

    As a general rule of thumb, bank transfers are usually the cheapest, debit cards are most convenient but slightly more expensive, while credit cards are the most expensive (due to cash advance fees).

  • What is the best withdrawal method when sending money from Canada to US?

    A bank account is the most popular and convenient way to receive US from Canada.

    There’s nothing for your recipient to do, US will land directly into their account. This usually takes minutes, but can take up to 3 days depending on the amount.

    Mobile wallets and multi-currency accounts are also popular and very convenient options for receiving money in the United States from Canada.

    If you need money urgently, we recommend cash pickup via Western Union or MoneyGram. You will deposit CAD online or in-store, and USD will be available as cash for pickup within minutes.

Our methodology

We’ve compared and analyzed 18 money transfer companies that support money transfers from Canada to the United States.

First of all, every single remittance provider on the list is regulated, legit, and safe to send money abroad.

When testing CAD/USD transfer specialists, we’ve rated each company on a scale of 1-10 based on the following categories:

  • Fees & rates

  • Transfer speed

  • Safety & trust

  • Product offering

  • Transfer limits

  • Ease of use

  • Customer feedback

In addition, each company goes through an unbiased editorial process, where we look for a comprehensive list of flaws and benefits.

To ensure this page remains up to date, we use our first-party data from our comparison engine and merge it with the live data feeds and API from the remittance companies.

This page updates daily with the latest rates and fees.

If you want to know more about our methodology and standards, check these guides:

If you want to see the full money transfer companies list, check out our company reviews page.

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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