Usually the cheapest
Online transfers
Companies like Wise will get you 11,177.72 CAD on €7,000 transfer.
If it's the only time you send money to Canada, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Canada from Finland with the best EUR-CAD rate
We’ve compared and analysed 11 money transfer companies in Finland.
| 11 of 11 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/CAD exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/CAD transfersAll money transfer offers for EUR/CAD transfers, sorted by most CAD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €31.26 1 EUR = 1.6040 CAD 0.00% vs mid-market | Recipient gets $11,177.72 Within a week | |
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €31.261 EUR = 1.6040 CAD $11,177.72You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.5859 CAD +1.13% vs mid-market | Recipient gets $11,101.30 Minutes - 24 hours | |
Ways to receive money in Canada with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5859 CAD $11,101.30You pay€7,000.00 | |||
Run a live search Showing top Finland to Canada deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in Canada. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.6000 CAD +0.25% vs mid-market | Recipient gets $11,199.92 Minutes - 3 days | |
Ways to receive money in Canada with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 1.6000 CAD $11,199.92You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.5997 CAD +0.27% vs mid-market | Recipient gets $11,197.67 Minutes - 24 hours | |
Ways to receive money in Canada with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5997 CAD $11,197.67You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.5992 CAD +0.30% vs mid-market | Recipient gets $11,194.30 Minutes - 24 hours | |
Ways to receive money in Canada with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5992 CAD $11,194.30You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €31.26 1 EUR = 1.6040 CAD 0.00% vs mid-market | Recipient gets $11,177.72 Within a week | |
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €31.261 EUR = 1.6040 CAD $11,177.72You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.5960 CAD +0.50% vs mid-market | Recipient gets $11,171.85 Minutes - 24 hours | |
Ways to receive money in Canada with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5960 CAD $11,171.85You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.5957 CAD +0.52% vs mid-market | Recipient gets $11,169.90 Minutes - 24 hours | |
Ways to receive money in Canada with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5957 CAD $11,169.90You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €41.41 1 EUR = 1.6040 CAD 0.00% vs mid-market | Recipient gets $11,161.44 Within a week | |
Ways to receive money in Canada with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €41.411 EUR = 1.6040 CAD $11,161.44You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.49 1 EUR = 1.5937 CAD +0.64% vs mid-market | Recipient gets $11,151.90 Minutes - 24 hours | |
Ways to receive money in Canada with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.491 EUR = 1.5937 CAD $11,151.90You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.5859 CAD +1.13% vs mid-market | Recipient gets $11,101.30 Minutes - 24 hours | |
Ways to receive money in Canada with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5859 CAD $11,101.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.5859 CAD +1.13% vs mid-market | Recipient gets $11,101.30 Minutes - 24 hours | |
Ways to receive money in Canada with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5859 CAD $11,101.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.5859 CAD +1.13% vs mid-market | Recipient gets $11,101.30 Minutes - 24 hours | |
Ways to receive money in Canada with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.5859 CAD $11,101.30You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 1.6020 CAD +0.12% vs mid-market | Recipient gets $11,101.06 Within minutes | |
Ways to receive money in Canada with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 1.6020 CAD $11,101.06You pay€7,000.00 | |||
| 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. | |||
| Wise Pay via Debit card | Fee €86.34 1 EUR = 1.6040 CAD 0.00% vs mid-market | Recipient gets $11,089.37 Within a week | |
Ways to receive money in Canada with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €86.341 EUR = 1.6040 CAD $11,089.37You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €3.99 1 EUR = 1.5845 CAD +1.22% vs mid-market | Recipient gets $11,085.04 Minutes - 2 days | |
Ways to receive money in Canada with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €3.991 EUR = 1.5845 CAD $11,085.04You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.5815 CAD +1.40% vs mid-market | Recipient gets $11,070.79 Minutes - 2 days | |
Ways to receive money in Canada with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.5815 CAD $11,070.79You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €128.42 1 EUR = 1.6040 CAD 0.00% vs mid-market | Recipient gets $11,021.88 Within a week | |
Ways to receive money in Canada with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €128.421 EUR = 1.6040 CAD $11,021.88You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.603998 CAD Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to Canada
Pick a company
For a one-off transfer to Canada, start with Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most CAD.
The cheapest option depends on the amount, so I suggest to get the best EUR/CAD rate.
Fund your transfer
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
Select how you want the recipient to pick up the money. For transfers to Canada they can receive it via bank deposit.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to Canada
11 companies send money from Finland to Canada, mostly through broker, app, online, multi-currency account, and global account, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Wise charges €31.26 on a €7,000 transfer, and 11,177.72 CAD arrives in within a week.
In Canada they can receive money via bank deposit.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and CAD balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to CAD with Wise gets you 11,177.72 CAD (€31.26 in fees and 0% markup).
This is especially useful travel since you are spending in CAD (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Canada.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers
Currency brokers are good for sending €10,000+ to Canada. They charge no fees and add a markup on the rate.
Key Currency charges no fee but adds 0.25% markup on top of the EUR/CAD rate.
Ways to fund EUR and receive CAD in Canada
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 11,199.92 CAD.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Canada directly.
For withdrawals in Canada, use bank deposit.
Receive CAD
The name should match the account holder's bank record, so double check it before sending.
- 1 Bank transfer Bank deposit
You pay €7,000.00
$11,200
Cheapest
- 2 Ideal Bank deposit
You pay €7,000.00
$11,161
-$38
- 3 Debit card Bank deposit
You pay €7,000.00
$11,101
-$99
- 4 Credit card Bank deposit
You pay €7,000.00
$11,101
-$99
What to consider before sending money from Finland to Canada
For a transfer from Finland, compare the CAD received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/CAD transfer options
Compare EUR/CAD transfer options
For a €7,000 transfer to Canada, these are the current cheapest, fastest and easiest options.
Cheapest
Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 11,199.92 CAD, which is 0.02% more than the next best option.
Fastest
Revolut delivers 11,101.06 CAD in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
Sending a gift from Finland can trigger gift tax
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Large transfers may take longer
Large transfers may take longer
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Canada.
Safety measures in Finland
Safety measures in Finland
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Finding the best rate to send money from Finland to Canada
The exchange rate has a direct impact on how much CAD your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 1.604555 CAD
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 11 of them on EUR to Canada, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
Nothing appears without passing our review.
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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