Best companies for USD/CAD transfers
13 of 13 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/CAD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $26.90 1 USD = 1.4117 CAD 0.00% vs mid-market	Recipient gets $9,843.58 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $26.901 USD = 1.4117 CAD $9,843.58You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 1.4051 CAD +0.46% vs mid-market	Recipient gets $9,835.70 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Canada with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4051 CAD $9,835.70You pay$7,000.00
Run a live search Showing top United States to Canada deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Canada.
Run a live search These are managed services with real human support for large USD 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 USD = 1.4081 CAD +0.25% vs mid-market	Recipient gets $9,856.51 Minutes - 3 days
4 reviews Cheapest Personal account managerReceive to bank account
Ways to receive money in Canada with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 1.4081 CAD $9,856.51You pay$7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 1.4078 CAD +0.27% vs mid-market	Recipient gets $9,854.53 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Canada with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4078 CAD $9,854.53You pay$7,000.00
Wise Pay via Bank transfer	Fee $26.90 1 USD = 1.4117 CAD 0.00% vs mid-market	Recipient gets $9,843.58 Next day
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Canada with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $26.901 USD = 1.4117 CAD $9,843.58You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $1.99 1 USD = 1.4062 CAD +0.38% vs mid-market	Recipient gets $9,843.40 Minutes - 24 hours
2 reviews
Ways to receive money in Canada with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 1.4062 CAD $9,843.40You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 1.4062 CAD $9,843.40You pay$7,005.99
Xe Pay via Bank transfer	Fee $0.00 1 USD = 1.4051 CAD +0.46% vs mid-market	Recipient gets $9,835.70 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Canada with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4051 CAD $9,835.70You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 1.4045 CAD +0.50% vs mid-market	Recipient gets $9,831.81 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Canada with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4045 CAD $9,831.81You pay$7,000.00
Currencies Direct Pay via Bank transfer	Fee $0.00 1 USD = 1.4044 CAD +0.51% vs mid-market	Recipient gets $9,830.80 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in Canada with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4044 CAD $9,830.80You pay$7,000.00
CurrencyFair Pay via Bank transfer	Fee $2.83 1 USD = 1.4027 CAD +0.63% vs mid-market	Recipient gets $9,814.90 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Canada with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $2.831 USD = 1.4027 CAD $9,814.90You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 1.4098 CAD +0.13% vs mid-market	Recipient gets $9,811.20 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Canada with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 1.4098 CAD $9,811.20You 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.
Xe Pay via Debit card	Fee $35.00 1 USD = 1.4051 CAD +0.46% vs mid-market	Recipient gets $9,786.52 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Canada with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 1.4051 CAD $9,786.52You pay$7,000.00
Moneycorp Pay via Bank transfer	Fee $0.00 1 USD = 1.3918 CAD +1.40% vs mid-market	Recipient gets $9,742.88 Minutes - 2 days
0 reviews
Ways to receive money in Canada with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 1.3918 CAD $9,742.88You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 1.3915 CAD +1.43% vs mid-market	Recipient gets $9,740.50 Minutes - 24 hours
2 reviews
Ways to receive money in Canada with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 1.3915 CAD $9,740.50You pay$7,060.79
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $1.99 1 USD = 1.3886 CAD +1.64% vs mid-market	Recipient gets $9,720.20 Minutes - 24 hours
2 reviews
Ways to receive money in Canada with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 1.3886 CAD $9,720.20You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 1.3787 CAD $9,650.90You pay$7,075.99

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $177.99 1 USD = 1.3886 CAD +1.64% vs mid-market	Recipient gets $9,720.20 Minutes - 24 hours
2 reviews
Ways to receive money in Canada with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 1.3886 CAD $9,720.20You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 1.3787 CAD $9,650.90You pay$7,179.99
Only available via Mobile App WorldRemit Pay via Debit card	Fee $2.99 1 USD = 1.3843 CAD +1.95% vs mid-market	Recipient gets $9,685.89 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Canada with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days $2.991 USD = 1.3843 CAD $9,685.89You pay$7,000.00
Chase Pay via Bank transfer	Fee $0.00 1 USD = 1.3759 CAD +2.56% vs mid-market	Recipient gets $9,631.24
0 reviews
Ways to receive money in Canada with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 1.3759 CAD $9,631.24You pay$7,000.00
Wells Fargo Pay via Bank transfer	Fee $0.00 1 USD = 1.3673 CAD +3.19% vs mid-market	Recipient gets $9,571.26
0 reviews
Ways to receive money in Canada with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 1.3673 CAD $9,571.26You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 1.4051 CAD +0.46% vs mid-market	Recipient gets $9,540.63 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Canada with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 1.4051 CAD $9,540.63You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 1.4116 CAD Updates every 60 minutes.

Why compare

USD/CAD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Canada

Pick a company

If you're sending a one-off transfer, then Key Currency is the best option.

Key Currency was the cheapest on 15 of the 28 days it quoted $7,000 transfers to Canada.

For recurring transfers, I'd suggest using an app like Wise or a multi-currency account.

For large transfers, a broker like Key Currency is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Canada, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Canada?

How much USD 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 Key Currency was the cheapest in 53% of the transfers from $5,000 it quoted, and in 53% of all the transfers it quoted.


$500	0.35%	$1.99	$703.10with bank transfer to bank deposit	+$38.49
$750	-0.01%	$0.00	$1,058.85with debit card to cash pickup	+$38.96
$1,000	-0.11%	$0.00	$1,413.20with debit card to cash pickup	+$44.77
$2,000	-0.06%	$0.00	$2,825.00with remitly wallet to cash pickup	+$72.83
$5,000	-0.06%	$0.00	$7,060.50with remitly wallet to cash pickup	+$87.90
$7,000This page	0.25%	$0.00	$9,856.51with bank transfer to bank deposit	+$97.52
$10,000	0.13%	$0.00	$14,098.00with bank transfer to bank deposit	+$147.07
$25,000	0.13%	$0.00	$35,247.50with bank transfer to bank deposit	+$351.29
$50,000	0.20%	$0.00	$70,397.17with bank transfer to bank deposit	+$491.03
$100,000	0.15%	$0.00	$140,952.25with bank transfer to bank deposit	+$1,006.76
$250,000	0.14%	$0.00	$352,325.00with bank transfer to bank deposit	+$2,496.35

Mid-market rate: 1 USD = 1.4116 CAD

USD/CAD Exchange Rate History

Is today a good time to send money from US to Canada?

The cheapest way to send USD 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 Key Currency), across 30 days of comparisons for 7,000 USD transfers to Canada.

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. The bank line is the cheapest bank available on each day.

Understanding USD/CAD exchange rate

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 USD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 4 of the last 30 days.

Right now, Key Currency pays 9,856.51 CAD on 7,000 USD, which is 24.70 CAD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 9,959 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.

Is the cheapest money transfer company always the best?

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 Key Currency is the cheapest and gets you the most CAD, and it was also the cheapest in 53% of the 175 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Canada.

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Canada.

Ways to send money from the US to Canada

There are 13 companies available for sending money from the US to Canada, across currency broker, app, online, multi-currency account, global business account, bank, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Wise charges $26.90 on a $7,000 transfer with 0% markup, saves your recipient's details for next time, and CAD arrives in within a week.

Over the past month, Wise was the cheapest app on 30% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 9,843.40 CAD in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Canada.

Of all online companies listed here, Wise gets you the most CAD per USD.

On a $7,000 transfer, you will get 9,843.58 CAD after a $26.90 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 8 of the 27 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Canada (e.g. a property purchase, tuition, or moving to Canada), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/CAD that gets lower the more you send.

Our analysis shows Key Currency was the cheapest broker in 83% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

Only if you have to

Banks

Wiring money abroad from your bank is the most expensive option.

On a $7,000 transfer, a bank like Chase gets your recipient 9,631.24 CAD, against 9,856.51 CAD with Key Currency (the overall cheapest option).

We found Chase was the cheapest bank on 26 of the 26 days it appeared for this amount.

The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving CAD.

This is useful for traveling to Canada, building up CAD balance, or receiving payments in CAD.

Wise converts $7,000 at 0% markup plus small fee and holds the CAD until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD 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 9,856.51 CAD.

Our data shows that Key Currency gets your recipient 225.27 CAD more than Chase, today's cheapest bank, on the same $7,000.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Canada.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 9,843.40 CAD on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to Canada.

Venmo now sends money internationally to PayPal users in 90+ countries.

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 MoneyGram location in Canada.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

CA$9,857

Cheapest
2

Bank transfer Cash pickup

You pay $7,005.99

CA$9,843

-CA$13
3

Debit card Bank deposit

You pay $7,000.00

CA$9,787

-CA$70
4

Cash deposit Cash pickup

You pay $7,060.79

CA$9,741

-CA$116
5

Credit card Bank deposit

You pay $7,177.99

CA$9,720

-CA$136

Show moreShow less

6

Debit card Cash pickup

You pay $7,075.99

CA$9,651

-CA$206
7

Credit card Cash pickup

You pay $7,179.99

CA$9,651

-CA$206

Things to consider before sending USD to Canada

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/CAD company

Cheapest way to send money to Canada

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 9,856.51 CAD, which is 0.02% 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 9,811.20 CAD, with the money arriving in within minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Canada?

For transfers over $10,000, Key Currency is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Canada.

While Key Currency may not always be the cheapest or fastest way to send CAD, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Canada and the United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 330 comparisons across 11 amounts.

This page covers the cheapest and fastest options for USD/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.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

Send money from Canada

Send money to Canada

Send money from Philippines to Canada Send money from Nigeria to Canada Send money from India to Canada Send money from Mexico to Canada Send money from Colombia to Canada Send money from France to Canada Send money from United Kingdom to Canada Send money from Germany to Canada Send money from Australia to Canada Send money from Poland to Canada Send money from United Arab Emirates to Canada

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4252	–	$9,976.75
MoneyGram Cheapest	1.4227	$5.99	$9,958.90	−$17.85
Key Currency	1.4217	$0.00	$9,951.81	−$24.94
Regency FX	1.4214	$0.00	$9,949.81	−$26.94
Wise	1.4253	$26.90	$9,939.11	−$37.64
Chase	1.3887	$0.00	$9,720.67	−$256.08

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4263	–	$9,983.96
Key Currency Cheapest	1.4227	$0.00	$9,959.00	−$24.96
Regency FX	1.4224	$0.00	$9,957.00	−$26.96
Wise	1.4263	$26.90	$9,945.73	−$38.23
Chase	1.3902	$0.00	$9,731.59	−$252.37

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4210	–	$9,946.86
MoneyGram Cheapest	1.4182	$1.99	$9,927.40	−$19.46
Key Currency	1.4174	$0.00	$9,921.99	−$24.87
Regency FX	1.4171	$0.00	$9,920.00	−$26.86
Wise	1.4210	$26.90	$9,908.78	−$38.08
Chase	1.3848	$0.00	$9,693.45	−$253.41

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4208	–	$9,945.81
MoneyGram Cheapest	1.4217	$5.99	$9,951.90	+$6.09
Key Currency	1.4173	$0.00	$9,920.95	−$24.86
Regency FX	1.4170	$0.00	$9,918.96	−$26.85
Wise	1.4208	$26.90	$9,907.38	−$38.43
Chase	1.3848	$0.00	$9,693.45	−$252.36

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4167	–	$9,917.04
Key Currency Cheapest	1.4132	$0.00	$9,892.25	−$24.79
Regency FX	1.4129	$0.00	$9,890.26	−$26.78
Wise	1.4167	$26.90	$9,879.14	−$37.90
Bank No quote collected this day	–	–	–	–

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

Best companies for USD/CAD transfers

How to send money from US to Canada

Pick a company

Pay for it

Check and send

How much USD are you sending to Canada?

Is today a good time to send money from US to Canada?

Understanding USD/CAD exchange rate

Picking the cheapest money transfer company

Is the cheapest money transfer company always the best?

Ways to send money from the US to Canada

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Banks

Global accounts

Multi-currency accounts

Ways to fund USD and receive CAD in Canada

Things to consider before sending USD to Canada

Find the right USD/CAD company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to Canada?

How we analyze the market

Related transfer routes

Send money from Canada

Send money to Canada

Recommendations

Tools & resources

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4158	–	$9,910.25
Key Currency Cheapest	1.4122	$0.00	$9,885.47	−$24.78
Regency FX	1.4119	$0.00	$9,883.49	−$26.76
Wise	1.4139	$26.90	$9,859.27	−$50.98
Chase	1.3781	$0.00	$9,646.70	−$263.55

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4093	–	$9,864.93
MoneyGram Cheapest	1.4109	$1.99	$9,876.30	+$11.37
Key Currency	1.4058	$0.00	$9,840.26	−$24.67
Regency FX	1.4055	$0.00	$9,838.29	−$26.64
Wise	1.4091	$26.90	$9,825.80	−$39.13
Chase	1.3741	$0.00	$9,618.39	−$246.54

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4067	–	$9,846.97
MoneyGram Cheapest	1.4065	$1.99	$9,845.50	−$1.47
Key Currency	1.4032	$0.00	$9,822.35	−$24.62
Regency FX	1.4029	$0.00	$9,820.38	−$26.59
Wise	1.4067	$26.90	$9,809.06	−$37.91
Chase	1.3741	$0.00	$9,618.39	−$228.58

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4055	–	$9,838.71
Key Currency Cheapest	1.4020	$0.00	$9,814.11	−$24.60
Regency FX	1.4017	$0.00	$9,812.15	−$26.56
Wise No quote collected this day	–	–	–	–
Bank No quote collected this day	–	–	–	–

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4020	–	$9,813.79
MoneyGram Cheapest	1.4016	$1.99	$9,811.20	−$2.59
Key Currency	1.3985	$0.00	$9,789.26	−$24.53
Regency FX	1.3982	$0.00	$9,787.29	−$26.50
Wise	1.4020	$26.90	$9,776.29	−$37.50
Bank No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
MoneyGram Cheapest	1.3994	$1.99	$9,795.80	–
Wise	1.4016	$26.90	$9,773.15	–
Chase	1.3667	$0.00	$9,566.75	–
Key Currency No quote collected this day	–	–	–	–
Regency FX No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4002	–	$9,801.75
Key Currency Cheapest	1.3967	$0.00	$9,777.25	−$24.50
Regency FX	1.3965	$0.00	$9,775.29	−$26.46
Wise	1.4004	$26.90	$9,765.48	−$36.27
Chase	1.3657	$0.00	$9,559.90	−$241.85

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4026	–	$9,818.03
Key Currency Cheapest	1.3991	$0.00	$9,793.48	−$24.55
Regency FX	1.3988	$0.00	$9,791.52	−$26.50
Wise	1.4027	$26.90	$9,781.17	−$36.85
Chase	1.3673	$0.00	$9,571.16	−$246.86

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4026	–	$9,818.34
Xe Cheapest	1.4006	$0.00	$9,804.20	−$14.14
Key Currency	1.3991	$0.00	$9,793.79	−$24.55
Regency FX	1.3988	$0.00	$9,791.83	−$26.51
Wise	1.4025	$26.90	$9,780.12	−$38.22
Chase	1.3674	$0.00	$9,571.50	−$246.84

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4058	–	$9,840.50
Key Currency Cheapest	1.4023	$0.00	$9,815.89	−$24.61
Regency FX	1.4020	$0.00	$9,813.93	−$26.57
Wise	1.4058	$26.90	$9,802.78	−$37.72
Chase	1.3705	$0.00	$9,593.38	−$247.12

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3993	–	$9,795.31
MoneyGram Cheapest	1.4008	$1.99	$9,805.60	+$10.29
Key Currency	1.3958	$0.00	$9,770.82	−$24.49
Regency FX	1.3956	$0.00	$9,768.86	−$26.45
Wise	1.3993	$26.90	$9,757.46	−$37.85
Chase	1.3640	$0.00	$9,548.34	−$246.97

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3970	–	$9,778.79
MoneyGram Cheapest	1.3970	$1.99	$9,779.00	+$0.21
Key Currency	1.3935	$0.00	$9,754.34	−$24.45
Regency FX	1.3932	$0.00	$9,752.39	−$26.40
Wise	1.3971	$26.90	$9,742.47	−$36.32
Chase	1.3623	$0.00	$9,536.06	−$242.73

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3975	–	$9,782.15
Key Currency Cheapest	1.3940	$0.00	$9,757.69	−$24.46
Regency FX	1.3937	$0.00	$9,755.74	−$26.41
Wise	1.3976	$26.90	$9,745.60	−$36.55
Chase	1.3625	$0.00	$9,537.50	−$244.65

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3985	–	$9,789.71
Xe Cheapest	1.3967	$0.00	$9,776.90	−$12.81
Key Currency	1.3950	$0.00	$9,765.24	−$24.47
Regency FX	1.3948	$0.00	$9,763.28	−$26.43
Wise	1.3985	$26.90	$9,752.23	−$37.48
Chase	1.3625	$0.00	$9,537.50	−$252.21

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3958	–	$9,770.92
Xe Cheapest	1.3941	$0.00	$9,758.70	−$12.22
Key Currency	1.3924	$0.00	$9,746.49	−$24.43
Regency FX	1.3921	$0.00	$9,744.53	−$26.39
Wise	1.3959	$26.90	$9,733.40	−$37.52
Chase	1.3612	$0.00	$9,528.29	−$242.63

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3950	–	$9,764.69
Xe Cheapest	1.3931	$0.00	$9,751.70	−$12.98
Key Currency	1.3915	$0.00	$9,740.27	−$24.41
Regency FX	1.3912	$0.00	$9,738.32	−$26.36
Wise	1.3949	$26.90	$9,726.78	−$37.90
Chase	1.3596	$0.00	$9,517.28	−$247.40

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4063	–	$9,843.79
Key Currency Cheapest	1.4027	$0.00	$9,819.18	−$24.60
Regency FX	1.4025	$0.00	$9,817.21	−$26.58
Wise	1.4061	$26.90	$9,804.53	−$39.25
Chase	1.3703	$0.00	$9,592.01	−$251.77

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4114	–	$9,879.45
Key Currency Cheapest	1.4078	$0.00	$9,854.75	−$24.70
Regency FX	1.4075	$0.00	$9,852.78	−$26.67
Wise	1.4125	$26.90	$9,849.85	−$29.60
Chase	1.3770	$0.00	$9,638.75	−$240.70

Sun, Nov 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4112	–	$9,878.75
Key Currency Cheapest	1.4077	$0.00	$9,854.05	−$24.70
Regency FX	1.4074	$0.00	$9,852.08	−$26.67
Wise	1.4125	$26.90	$9,849.85	−$28.90
Chase	1.3770	$0.00	$9,638.75	−$240.00

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4102	–	$9,871.39
Xe Cheapest	1.4083	$0.00	$9,858.10	−$13.29
Key Currency	1.4067	$0.00	$9,846.71	−$24.68
Regency FX	1.4064	$0.00	$9,844.74	−$26.65
Wise No quote collected this day	–	–	–	–
Bank No quote collected this day	–	–	–	–

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.4116	–	$9,881.21
Key Currency Cheapest	1.4081	$0.00	$9,856.51	−$24.70
Regency FX	1.4078	$0.00	$9,854.53	−$26.68
Wise	1.4117	$26.90	$9,843.58	−$37.63
Chase	1.3759	$0.00	$9,631.24	−$249.97