Send money from Canada to United States

You pay in CAD, the recipient gets USD. Below are services that can do this today, ranked by how much actually arrives after all fees and exchange-rate markups.

Market rate: 1 CAD = 0.706467 USD
Best now: Ether.fi — send 500 CAD, receive about 352 USD.
Estimates for 500 CAD; open the converter for your own amount. · Updated:

Services that send this corridor directly

Ether.fi Best nowBonus for new users
Loss vs market: 0.35%
352 USD ≈
Interac e-Transfer → USDC (OP Mainnet)
Open Ether.fi
KuCoin Bonus for new users
Loss vs market: 1.66%
347.38 USD ≈
Banxa, Simplex, BTC Direct, LegendTrading, Onramp → On-chain SONIC
Open KuCoin
Telegram Wallet
Loss vs market: 2.66%
343.85 USD
Карта / Apple Pay (Mercuryo) -> USDT, сверх бесплатного порога → USDT (TON)
Open Telegram Wallet
DeFi in Telegram
Loss vs market: 4.64%
336.83 USD ≈
Bank card (MoonPay/Mercuryo) -> USDT or GRAM → USDe on-chain, TON network (TON)
Open DeFi in Telegram
HOT Wallet
Loss vs market: 6.61%
329.89 USD
Card via Mercuryo → On-chain (Ethereum)
Open HOT Wallet

Two-step route via a dollar stablecoin (USDT)

Buy USDT for CAD in one service, send it (fees are cents), and sell it for USD in another. Two steps, but often cheaper than a bank wire, and it works for corridors nobody serves directly.

Step 1 — CAD → USDT

Ether.fi Best nowBonus for new users
Loss vs market: 0.35%
352 USDT ≈
Interac e-Transfer → USDT (OP Mainnet)
Open Ether.fi
KuCoin Bonus for new users
Loss vs market: 1.71%
347.19 USDT ≈
Banxa, Simplex, BTC Direct, LegendTrading, Onramp → On-chain PLASMA
Open KuCoin
Telegram Wallet
Loss vs market: 2.66%
343.85 USDT
Карта / Apple Pay (Mercuryo) -> USDT, сверх бесплатного порога → USDT (TON)
Open Telegram Wallet

Step 2 — USDT → USD

HOT Wallet Best now
Loss vs market: 0%
100 USD
USDT (TON) → On-chain (NEAR)
Open HOT Wallet
DeFi in Telegram
Loss vs market: 0%
100 USD
USDT on-chain, TON network (TON) → USDT on-chain, TON network (TON)
Open DeFi in Telegram
Antarctic Wallet
Loss vs market: 0%
100 USD
USDT , on-chain from external wallet (TON) → Internal transfer to another Antarctic Wallet user
Open Antarctic Wallet

Calculate your amount

How it works

  1. Pick a service above and open it with our link (some give a bonus on the first transfer).
  2. Register and pass a quick identity check — usually a passport photo, a few minutes.
  3. Pay with a card or bank transfer in Canada; the recipient in United States gets money to a card, account or wallet.

FAQ

What is the cheapest way to send money from Canada to United States?

Compare the amount received, not the advertised fee: a "0% fee" service can hide 3% in the exchange rate. The list above already accounts for both.

How long does a transfer from Canada to United States take?

Card-to-card and stablecoin transfers usually arrive within minutes; bank payouts can take up to 1–3 business days.

What is the CAD to USD exchange rate today?

The mid-market rate is 1 CAD = 0.706467 USD. Services add their own markup; we show how much of it you lose.

Are these services legal and safe?

All listed services are public companies with their own licences and terms. Check the recipient's country rules and your bank's limits before a large transfer.

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