Wise offers the best exchange rate from France to Canada at 1.5633 CAD per EUR.
But Xe is cheapest overall, turning EUR 7,000 into 10,927 CAD after its fee and exchange-rate markup.
| 12 of 12 providers Last updated on 28 October 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/CAD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €31.26 1 EUR = 1.5633 CAD +0.02% vs mid-market | Recipient gets $10,894.30 Next day | |
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €31.261 EUR = 1.5633 CAD $10,894.30You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.5610 CAD +0.16% vs mid-market | Recipient gets $10,927.00 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 = 1.5610 CAD $10,927.00You pay€7,000.00 | |||
Run a live search Showing top France 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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.5610 CAD +0.16% vs mid-market | Recipient gets $10,927.00 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 = 1.5610 CAD $10,927.00You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.5610 CAD +0.16% vs mid-market | Recipient gets $10,927.00 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 = 1.5610 CAD $10,927.00You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.5610 CAD +0.16% vs mid-market | Recipient gets $10,927.00 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 = 1.5610 CAD $10,927.00You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.5596 CAD +0.25% vs mid-market | Recipient gets $10,917.52 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 = 1.5596 CAD $10,917.52You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.5593 CAD +0.27% vs mid-market | Recipient gets $10,915.33 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 = 1.5593 CAD $10,915.33You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.5589 CAD +0.30% vs mid-market | Recipient gets $10,912.04 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 = 1.5589 CAD $10,912.04You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €31.26 1 EUR = 1.5633 CAD +0.02% vs mid-market | Recipient gets $10,894.30 Next day | |
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €31.261 EUR = 1.5633 CAD $10,894.30You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.5557 CAD +0.50% vs mid-market | Recipient gets $10,890.15 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 = 1.5557 CAD $10,890.15You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.5557 CAD +0.50% vs mid-market | Recipient gets $10,889.90 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 = 1.5557 CAD $10,889.90You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €41.41 1 EUR = 1.5633 CAD +0.02% vs mid-market | Recipient gets $10,878.43 Next day | |
Ways to receive money in Canada with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €41.411 EUR = 1.5633 CAD $10,878.43You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.56 1 EUR = 1.5531 CAD +0.67% vs mid-market | Recipient gets $10,867.70 Minutes - 24 hours | |
Ways to receive money in Canada with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.561 EUR = 1.5531 CAD $10,867.70You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €2.99 1 EUR = 1.5461 CAD +1.12% vs mid-market | Recipient gets $10,822.70 Minutes - 24 hours | |
Ways to receive money in Canada with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €2.991 EUR = 1.5461 CAD $10,822.70You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 1.5408 CAD $10,785.60You pay€7,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €2.99 1 EUR = 1.5461 CAD +1.12% vs mid-market | Recipient gets $10,822.70 Minutes - 24 hours | |
Ways to receive money in Canada with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €2.991 EUR = 1.5461 CAD $10,822.70You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 1.5408 CAD $10,785.60You pay€7,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €2.99 1 EUR = 1.5461 CAD +1.12% vs mid-market | Recipient gets $10,822.70 Minutes - 24 hours | |
Ways to receive money in Canada with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €2.991 EUR = 1.5461 CAD $10,822.70You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 1.5408 CAD $10,785.60You pay€7,004.99 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 1.5615 CAD +0.13% vs mid-market | Recipient gets $10,820.48 Within minutes | |
Ways to receive money in Canada with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 1.5615 CAD $10,820.48You 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 = 1.5633 CAD +0.02% vs mid-market | Recipient gets $10,808.19 Next day | |
Ways to receive money in Canada with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €86.341 EUR = 1.5633 CAD $10,808.19You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.5417 CAD +1.40% vs mid-market | Recipient gets $10,791.65 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 = 1.5417 CAD $10,791.65You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €3.99 1 EUR = 1.5393 CAD +1.56% vs mid-market | Recipient gets $10,769.24 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 = 1.5393 CAD $10,769.24You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €128.42 1 EUR = 1.5633 CAD +0.02% vs mid-market | Recipient gets $10,742.41 Next day | |
Ways to receive money in Canada with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €128.421 EUR = 1.5633 CAD $10,742.41You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.5636 CAD Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Xe at 10,927 CAD on a €7,000 transfer.
Xe was the cheapest on 1 of the 29 days it quoted €7,000 transfers to Canada.
You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.
A euro virement to the money transfer company is cheap and arrives in seconds.
First time round you'll need a photo ID and a RIB or proof of address to verify your account.
Do it before making a transfer, it's the main thing that holds up transfers, and it only needs doing once.
How much EUR you send to Canada 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 Xe was the cheapest in 2% of the transfers from €5,000 it quoted, and in 3% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | 0.37% | €0.00 | $778.50with debit card to bank deposit | +$5.01 | |
| €700 | 0.22% | €1.10 | $1,090.76with bank transfer to bank deposit | +$6.79 | |
| €1,000 | 0.08% | €0.00 | $1,562.70with debit card to bank deposit | +$13.34 | |
| €2,000 | 0.07% | €0.00 | $3,124.20with debit card to bank deposit | +$26.38 | |
| €5,000 | 0.30% | €0.00 | $7,789.86with bank transfer to bank deposit | +$42.37 | |
| €7,000This page | 0.16% | €0.00 | $10,927.00with debit card to bank deposit | +$66.66 |
Mid-market rate: 1 EUR = 1.5636 CAD
The cheapest way to send EUR to CAD 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 Xe), across 30 days of comparisons for 7,000 EUR transfers to Canada.
Wed, 28 Oct 2026Mid-market rate$10,944.88 Xe $10,927.00Xe$10,927.00Key Currency$10,917.52Regency FX$10,915.33
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6116 | – | $11,281.23 | |
| | 1.6076 | €0.00 | $11,253.02 | −$28.21 |
| | 1.6073 | €0.00 | $11,250.77 | −$30.46 |
| | 1.6034 | €0.00 | $11,223.80 | −$57.43 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6099 | – | $11,269.03 | |
| | 1.6058 | €0.00 | $11,240.85 | −$28.18 |
| | 1.6055 | €0.00 | $11,238.60 | −$30.43 |
| | 1.6022 | €0.00 | $11,215.40 | −$53.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6110 | – | $11,277.25 | |
| | 1.6070 | €0.00 | $11,249.06 | −$28.19 |
| | 1.6067 | €0.00 | $11,246.80 | −$30.45 |
| | 1.6028 | €0.00 | $11,219.60 | −$57.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6007 | – | $11,205.15 | |
| | 1.5967 | €0.00 | $11,177.14 | −$28.01 |
| | 1.5964 | €0.00 | $11,174.90 | −$30.25 |
| | 1.5929 | €0.00 | $11,150.30 | −$54.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6043 | – | $11,230.03 | |
| | 1.6003 | €0.00 | $11,201.95 | −$28.08 |
| | 1.6000 | €0.00 | $11,199.71 | −$30.32 |
| | 1.5832 | €0.00 | $11,082.40 | −$147.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6044 | – | $11,230.81 | |
| | 1.6004 | €0.00 | $11,202.74 | −$28.07 |
| | 1.6001 | €0.00 | $11,200.49 | −$30.32 |
| | 1.5830 | €0.00 | $11,081.00 | −$149.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5966 | – | $11,176.24 | |
| | 1.5926 | €0.00 | $11,148.30 | −$27.94 |
| | 1.5923 | €0.00 | $11,146.07 | −$30.17 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.6004 | – | $11,202.62 | |
| | 1.5964 | €0.00 | $11,174.61 | −$28.01 |
| | 1.5961 | €0.00 | $11,172.37 | −$30.25 |
| | 1.5921 | €0.00 | $11,144.70 | −$57.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5970 | – | $11,178.66 | |
| | 1.5930 | €0.00 | $11,150.72 | −$27.94 |
| | 1.5926 | €0.00 | $11,148.48 | −$30.18 |
| | 1.5884 | €0.00 | $11,118.80 | −$59.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5948 | – | $11,163.75 | |
| | 1.5908 | €0.00 | $11,135.84 | −$27.91 |
| | 1.5905 | €0.00 | $11,133.60 | −$30.15 |
| | 1.5874 | €0.00 | $11,111.80 | −$51.95 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5964 | – | $11,174.70 | |
| | 1.5924 | €0.00 | $11,146.77 | −$27.93 |
| | 1.5921 | €0.00 | $11,144.53 | −$30.17 |
| | 1.5891 | €0.00 | $11,123.70 | −$51.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5980 | – | $11,185.87 | |
| | 1.5940 | €0.00 | $11,157.90 | −$27.97 |
| | 1.5937 | €0.00 | $11,155.67 | −$30.20 |
| | 1.5705 | €0.00 | $10,993.50 | −$192.37 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5980 | – | $11,185.87 | |
| | 1.5940 | €0.00 | $11,157.90 | −$27.97 |
| | 1.5937 | €0.00 | $11,155.67 | −$30.20 |
| | 1.5706 | €0.00 | $10,994.20 | −$191.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5970 | – | $11,179.02 | |
| | 1.5930 | €0.00 | $11,151.07 | −$27.95 |
| | 1.5927 | €0.00 | $11,148.84 | −$30.18 |
| | 1.5894 | €0.00 | $11,125.80 | −$53.22 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5960 | – | $11,172.18 | |
| | 1.5920 | €0.00 | $11,144.24 | −$27.94 |
| | 1.5917 | €0.00 | $11,142.01 | −$30.17 |
| | 1.5879 | €0.00 | $11,115.30 | −$56.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5917 | – | $11,141.65 | |
| | 1.5877 | €0.00 | $11,113.79 | −$27.86 |
| | 1.5874 | €0.00 | $11,111.57 | −$30.08 |
| | 1.5837 | €0.00 | $11,085.90 | −$55.75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5940 | – | $11,157.99 | |
| | 1.5900 | €0.00 | $11,130.10 | −$27.89 |
| | 1.5897 | €0.00 | $11,127.87 | −$30.12 |
| | 1.5856 | €0.00 | $11,099.20 | −$58.79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5919 | – | $11,143.45 | |
| | 1.5879 | €0.00 | $11,115.59 | −$27.86 |
| | 1.5876 | €0.00 | $11,113.36 | −$30.09 |
| | 1.5839 | €0.00 | $11,087.30 | −$56.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5909 | – | $11,136.31 | |
| | 1.5869 | €0.00 | $11,108.47 | −$27.84 |
| | 1.5866 | €0.00 | $11,106.25 | −$30.06 |
| | 1.5600 | €0.00 | $10,920.00 | −$216.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5909 | – | $11,136.31 | |
| | 1.5869 | €0.00 | $11,108.47 | −$27.84 |
| | 1.5866 | €0.00 | $11,106.25 | −$30.06 |
| | 1.5596 | €0.00 | $10,917.20 | −$219.11 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5793 | – | $11,055.40 | |
| | 1.5754 | €0.00 | $11,027.76 | −$27.64 |
| | 1.5751 | €0.00 | $11,025.55 | −$29.85 |
| | 1.5714 | €0.00 | $10,999.80 | −$55.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5797 | – | $11,058.10 | |
| | 1.5758 | €0.00 | $11,030.45 | −$27.65 |
| | 1.5755 | €0.00 | $11,028.24 | −$29.86 |
| | 1.5725 | €0.00 | $11,007.50 | −$50.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5776 | – | $11,042.87 | |
| | 1.5736 | €0.00 | $11,015.26 | −$27.61 |
| | 1.5733 | €0.00 | $11,013.06 | −$29.81 |
| | 1.5702 | €0.00 | $10,991.40 | −$51.47 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5755 | – | $11,028.38 | |
| | 1.5715 | €0.00 | $11,000.81 | −$27.57 |
| | 1.5712 | €0.00 | $10,998.60 | −$29.78 |
| | 1.5676 | €0.00 | $10,973.20 | −$55.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5696 | – | $10,987.45 | |
| | 1.5657 | €0.00 | $10,959.98 | −$27.47 |
| | 1.5654 | €0.00 | $10,957.79 | −$29.66 |
| | 1.5619 | €0.00 | $10,933.30 | −$54.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5686 | – | $10,980.26 | |
| | 1.5647 | €0.00 | $10,952.81 | −$27.45 |
| | 1.5644 | €0.00 | $10,950.62 | −$29.64 |
| | 1.5398 | €0.00 | $10,778.60 | −$201.66 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5686 | – | $10,980.26 | |
| | 1.5647 | €0.00 | $10,952.81 | −$27.45 |
| | 1.5644 | €0.00 | $10,950.62 | −$29.64 |
| | 1.5394 | €0.00 | $10,775.80 | −$204.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5714 | – | $10,999.86 | |
| | 1.5675 | €0.00 | $10,972.36 | −$27.50 |
| | 1.5672 | €0.00 | $10,970.16 | −$29.70 |
| | 1.5638 | €0.00 | $10,946.60 | −$53.26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5649 | – | $10,954.13 | |
| | 1.5610 | €0.00 | $10,926.75 | −$27.38 |
| | 1.5607 | €0.00 | $10,924.56 | −$29.57 |
| | 1.5571 | €0.00 | $10,899.70 | −$54.43 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.5636 | – | $10,944.88 | |
| | 1.5610 | €0.00 | $10,927.00 | −$17.88 |
| | 1.5596 | €0.00 | $10,917.52 | −$27.36 |
| | 1.5593 | €0.00 | $10,915.33 | −$29.55 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.5636 | – | $10,944.88 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
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 CAD per EUR 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 CAD on every transfer from France.
Right now, Xe pays 10,927 CAD on 7,000 EUR, which is 17.88 CAD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 11,253.02 CAD.
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 Canada.
We've tracked 124 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest in 11% of them
Cheapest in 86% of them
Never the cheapest
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest in 3% of them
Cheapest in 97% of them
Never the cheapest
Based on 124 comparisons across 6 amounts over the last 30 days.
Cheapest in 1% of them
Cheapest in 99% of them
Never the cheapest
Based on 251 comparisons across 10 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 analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Xe is the cheapest and gets you the most CAD, but it was the cheapest in only 3% of the 89 comparisons it appeared in over the past month.
If it's a one-off transfer, go with Xe, since it's the cheapest right now.
12 companies send money from France to Canada. You can do it via broker, app, online, multi-currency account, global account, and in person.
For regular transfers from France
If you’re sending €50 to €200 to a family in Canada, apps like Xe are the easiest way.
Over the past month, Xe was the cheapest app on 3% of the days it appeared for €7,000 transfers.
Xe charges €0 on a €7,000 transfer, and the CAD arrives in minutes - 24 hours.
If you need mobile wallet or cash delivery, use our filters above.
For one-off transfers
When converting EUR to CAD, an online service like Xe is always cheaper than the bank's international virement.
Sending €7,000 with Xe gets you 10,927 CAD with a €0 fee and 0.16% markup.
In our comparisons over the past month, it was the cheapest online service on 1 of the 29 days it quoted.
For travelling & receiving
Challenger banks like Wise are cheaper than high-street banks, and are perfect for travelling, receiving money, and making occasional transfers to Canada.
On a €7,000 transfer, Wise gets you 10,894.3 CAD vs 10,927 CAD using Xe.
It's always , and choosing based on purpose and how much you get.
Companies like Wise offer great multi-currency features:
Hold EUR and CAD
Convert between them any time
Spend in CAD abroad or online
Receive EUR or CAD like a local
Our data shows Wise came out cheapest among challenger banks and multi-currency accounts on 100% of days in the past month.
Sending large sums from France
If you’re selling a property in France, repatriating a pension, moving to Canada, or making any other large transfer, then you need a currency broker.
Xe charges no fee but adds 0.16% markup on EUR/CAD interbank rate.
And the more you transfer, the better rate you will get.
Our analysis shows Xe was the cheapest broker in 2% of the transfers from €5,000 it quoted.
Also, many French banks cap transfers around €15,000/transfer, make sure to increase the limits in advance if you need to.
International business payments
Global accounts are for businesses in France paying suppliers abroad, getting paid by foreign clients, or operating in multiple currencies.
Companies like Airwallex, Wise Business, or Payoneer are the best for this.
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 10,927 CAD.
Fund the transfer from France by bank transfer, debit card, credit card, and iDEAL.
You can pay by virement
Send the money by bank transfer from your French RIB or IBAN.
SEPA Instant can be instant for funding your transfer, but delivery speed to Canada depends on the payout method.
Your recipient in Canada can collect CAD through bank deposit and cash pickup.
They can collect cash in Canada
Your recipient can collect CAD from a participating agent location in Canada. They should take a valid photo ID and the collection reference.
You pay €7,000.00
CA$10,927
Cheapest
You pay €7,000.00
CA$10,927
CA$0
You pay €7,000.00
CA$10,927
CA$0
You pay €7,000.00
CA$10,878
-CA$49
You pay €7,004.99
CA$10,786
-CA$141
You pay €7,004.99
CA$10,786
-CA$141
You pay €7,004.99
CA$10,786
-CA$141
From France, the important split is whether the money stays in euros or changes currency. Cash funding and non-bank protection work differently too.
For a €7,000 transfer to Canada, these are the best ways to start with:
Cheapest way to send money to Canada
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 10,927 CAD, which is 0.09% more than the next best option.
Fastest way to send money to Canada
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 10,820.48 CAD in within minutes.
If you are a tax resident in France, you can pay up to €1,000 in cash to a transfer company.
This limits the cash payment, rather than the amount you can send abroad.
For a larger transfer, pay by bank transfer or card.
French banks and transfer companies can ask for a justificatif (proof) showing where the money came from and why it is being sent.
For property, tuition or moving savings abroad, keep the sale document, invoice or recent bank statement ready.
Your bank may also have a lower daily virement limit, which you can ask it to raise before the payment is due.
The FGDR deposit guarantee covers eligible bank deposits up to €100,000 per customer and bank.
Payment and e-money institutions are not members of the FGDR, although they must protect customer funds through safeguarding arrangements (keeping your funds separate to theirs).
If in doubt, check REGAFI to see whether a bank, payment institution or e-money institution is authorised to operate in France.
Most of our pricing comes straight from the companies, and the rest we collect by hand and label in the table.
That covers 12 ACPR-registered companies sending EUR to Canada, with the rates refreshed in real time on live EUR/CAD searches.
In the past 30 days alone, we analysed 124 comparisons across 6 amounts.
This page covers the cheapest and fastest options for EUR/CAD 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.
We compare fees, rates and the ways money can be paid in and received, and each company also goes through 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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