Transferring money from Canada to the US can be done through bank transfers, specialized money transfer services, or, for those with accounts on both sides of the border, through cross-border banking solutions. The best method depends on whether you prioritize speed, cost, or convenience.
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.
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.
Fast and secure money transfers.
Send money abroad to friends & family in the United States with PayPal. Use the currency converter to get an indication of the rate you may receive when sending money between PayPal accounts from Canada to the US. Transaction fees and currency conversion fees may apply.
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.
However, it is only available in the United States and the United Kingdom, which is a disadvantage for Canadians seeking a similar experience. Fortunately, there are alternatives and here are some popular options.
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.
PayPal charges a currency conversion fee of 3.5% for USD or CAD and 4% for currencies other than these.
Send USD to Interac e-Transfer in Canada securely with Remitly. Enjoy great rates, no hidden fees, and fast delivery through your preferred method. Popular currencies are supported, with access to thousands of trusted providers worldwide.
Best ways to send money to the USA with WISE
No, Canada doesn't currently support Zelle or Cash App. Both services operate primarily within the U.S., while Cash App additionally serves the U.K. Canadians must use local alternatives for similar services.
Send to any other Western Union agent in the U.S. and receive a low transfer fee1 of $12 when you send up to $1,000.
Depositing foreign currency into a U.S. bank account requires converting it to U.S. dollars first. Initial contact with your bank is advised to check if they offer currency exchange services. If your bank doesn't offer the service, other financial institutions might help convert the currency.
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
NOTE: Other Cash App features are unavailable outside the US or UK. This includes sending a P2P payment, adding funds, and withdrawing funds. See Terms and Conditions for more information about how to qualify for Cash App Green.
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money.
You can send money abroad to another PayPal account just like you would domestically: Enter your recipient's name, PayPal handle, email, or mobile phone. Enter the amount, choose the currency, and add a note if you'd like. Choose your payment type and payment method.
Using a non-bank money transfer service could mean minimal or no fees. At OFX, you receive fee-free transfers* for sending USD internationally. We use our global network of 115 local bank accounts to make our transfers within the same country, so you won't be hit by any international transaction fees.
Standard Domestic Transaction Rates. The standard rate 1-(855)(518)(6262) for receiving money is 2.99% for most US users. A fixed fee 1-(855)(518)(6262) of $0.49 is added to every commercial checkout transaction. Our team monitors 1-(855)(518)(6262) to help explain the $3.48 fee for $100.
Remittance transfer tax under the OBBB
29, 2026. The 1% remittance tax will apply to certain remittances when the sender makes the transaction with cash, a money order, a cashier's check or a similar physical instrument.
Click Send & Request. Enter the recipient's name, email, or phone number. Click Next. Enter the amount, choose the currency, and add a note if needed.
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.
Best ways to send money to the USA with WISE
A popular option in the US for making quick, hassle-free money transfers, Zelle lets you send cash instantly to friends, family, or businesses, even if they use a different bank. However, Zelle is unavailable in Canada because it requires a US bank account and phone number to register.