No, you cannot use Venmo to send money from Canada to the U.S. because Venmo only supports domestic transactions within the United States and requires users to be physically located in the U.S. with a U.S. mobile number. Instead, you'll need to use international transfer services like PayPal (Venmo's parent company), Wise, Remitly, or OFX to send money across borders.
Venmo is a convenient way to send money within the US, but it only supports transactions in US dollars—meaning you can't use it to send money to Canada or exchange currencies.
Venmo is unavailable in Canada or anywhere else outside the United States of America. But, why is that? The requirements to be on-boarded on Venmo include: The user must be physically located or resident in the USA.
Easily move money to the U.S.
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.
Just like Venmo, Cashapp and Zelle aren't currently available in Canada. Using Apple Pay to send funds isn't available either. Cashapp is available for use in the United States as well as the United Kingdom, and Zelle and Apple Cash are available for use only in the United States.
You may be able to use US dollars in tourist-heavy border cities like Niagara Falls, but most Canadian businesses expect payment in Canadian dollars. And even where USD is accepted, the exchange rate likely won't be in your favor.
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.
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.
Interac e-Transfer® is the closest thing Canada has to Venmo's simplicity for domestic payments. Most Canadians already know how to send and receive money this way, making it familiar for both you and your customers.
Venmo doesn't charge international fees, but they do have fees for certain domestic services.
No International Transfers
Zelle is strictly a domestic payment service. It does not allow international money transfers or cross-border payments, including transfers to or from Canada.
The short answer is no—Venmo is not available in Canada. However, several excellent Venmo alternatives can meet your needs, whether you're transferring money domestically or internationally. Platforms like Wise, PayPal, and KnightsbridgeFX offer reliable and low-cost money transfer services for managing your payments.
The "Venmo $600 rule" refers to a past IRS tax reporting threshold where platforms like Venmo would send a Form 1099-K for over $600 in goods/services payments; however, this rule was delayed and modified, with a new law returning the reporting threshold for Venmo/PayPal (for tax year 2025 onwards) back to the original $20,000 AND 200 transactions, effectively ending the strict $600 requirement for most users, though some states still have lower thresholds, and personal payments are always excluded.
$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.
Our Nerds say: “When paying with a credit card abroad, stick to cards that don't charge a foreign transaction fee. To avoid conversion fees, pay in the local currency rather than U.S. dollars.
Best ways to send money to the USA from Canada with WISE
The best way to send Canadian dollar to United States dollar is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
If you want to send money to someone in the US, you would have to make global or international transfers through your bank. Interac e-transfer same-day transfers are only available from one Canadian bank account to another.
Initiate the Transaction
Log in to your PayPal account via the website or app. Click on the “Send & Request” tab. Enter the recipient's PayPal email address. Specify the amount in CAD and select USD as the recipient's currency.
There is no TD Transfer Fee when using Visa Direct or TD Global Bank Transfer to send money from your account at TD Canada Trust to your U.S.-based account at TD Bank, America's Most Convenient Bank®3. You can send up to $2,500/day with Visa Direct and $6,500/day with TD Global Bank Transfer.