Yes, you can absolutely send money from a Canadian PayPal account to a U.S. PayPal account, just like a domestic transfer, but you'll encounter currency conversion fees and potentially transaction fees, which vary depending on your funding source (bank, card) and the amount sent. The process involves logging in, selecting "Send & Request," entering recipient details, choosing currency (CAD to USD), and reviewing costs before sending, with fees including a fixed amount plus a percentage commission on the converted funds.
You can send money abroad to another PayPal account just like you would domestically:
Paypal can be used to send and receive money across US and Canada. You do need to watch out for fees which can vary with your payment method. As we have seen in the guide, the exchange rates and currency conversion fees add to how much you need to pay as well.
How to send money to the USA from Canada
You can send and receive money in multiple currencies with PayPal. In your Wallet, you can add a new currency, change your primary currency, close a currency, and more.
You're charged an FX conversion fee when you convert funds from CAD to USD or from USD to CAD. The FX conversion fee is applied to the WSII Corporate Exchange Rate. See the WSII Fee Schedule for more details. What currency is the conversion amount per transaction based on?
Zelle isn't an option for international money transfers because both the sender and recipient of a Zelle payment need a US based bank account and mobile phone number.
Western Union fees for sending $1,000 to the U.S. vary significantly, from as low as around $2 (using bank-to-bank) to over $30 (using a credit card for cash pickup), depending on your payment method (bank, debit, credit card) and delivery choice (bank deposit, cash pickup), with bank funding usually cheapest and credit cards most expensive, plus potential exchange rate markups on international transfers.
While Zelle is a popular way to send money within the US, Canada has its own go-to peer-to-peer (P2P) payment system—Interac e-Transfer4. Used by millions of Canadians, Interac e-Transfer allows fast and secure money transfers between bank accounts, making it one of the closest equivalents to Zelle.
You can send money abroad to another PayPal account just like you would domestically: Open the app and log in to your account. Choose "Send and Request" Enter your recipient's name, PayPal handle, email or mobile number.
PayPal currency conversion fee
Transaction such that the recipients receive a different currency from the currency in which the sender pay involving the following types of transaction is 4% of the transaction value: Paying for goods or services. Sending money to friend or family. Sending money using PayPal Payout.
No. The laws applicable to PayPal accounts differ by country and region. So, you can't change your address to a country that is different from the country you used when you opened your account. If you're moving abroad, you'll need to close your existing account and open a new account.
Domestic Transactions: Sending money within Canada is free when using your PayPal balance or bank account. Credit card-funded transactions incur a fee. International Transactions: Sending money abroad involves a $2.99 CAD fee plus a fixed currency fee.
PayPal international fees breakdown
The PayPal wire transfer fee is the most expensive when you use a credit or debit card to fund your transfer. You'll pay the 5% international transfer fee as well as the 2.90% + fixed fee for using a card. ¹ On a 1,000 USD transfer, you'll pay about 34 USD just in transfer fees.
$100 bills are legal tender, unlike some older notes that have been pulled from circulation. However, it is also legal in Canada for a merchant to refuse certain bills (while they can also choose to be “cash only.”) So, the point is, you could have a $100 bill and not be able to spend it anywhere in Canada.
Sending money to the U.S. is a cinch with RBC Cross-Border Banking. Send as many money transfers between your U.S. and Canadian RBC accounts as you need, all for free. That's right – transfer USD to CAD and CAD to USD… for free.
Venmo Isn't Available In Canada
Venmo is only available for users in the United States.
To avoid PayPal's 3% fee, use the free Friends & Family option for personal payments (funding from bank/balance), use your PayPal balance or linked bank account (not cards) for purchases, avoid currency conversion, and for businesses, integrate lower-fee alternatives or offer bank transfers directly. For selling, you can't fully avoid commercial fees, but you can reduce them by asking customers to use bank transfers or by negotiating rates.
Technically, there is no limit on your maximum transfer amount if you have a verified PayPal account. But generally, the maximum transfer limit for a single transaction is $60,000. If you don't have a PayPal account, you can send a one-time payment of up to $4,000 USD.
For a $1000 transaction, PayPal fees vary significantly: for domestic goods & services, it's about $30.29 (2.99% + $0.30 fixed), but for personal payments funded by bank/balance, it's free, while credit/debit cards incur around $29.30 (2.9% + $0.30) for domestic. International fees are higher, and rates depend on transaction type (business vs. personal), funding source (card vs. bank), and location, so always check the official PayPal site.