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Send money to the United States

Fast and secure transfers at competitive rates when you send money from Canada to United States. Transfer today.

Make or track payments day or night with our intuitive, secure digital platform

24/7 customer support

Regulated by FinTRAC

CADCanadian dollar

OFX fee

+ $0.00 CAD

Amount to be converted

$10,000.00 CAD

Your customer rate

0.7175

Converted to

$7,175.00 USD

USDUS dollar
*
OFX offers customised rates for high-value transfers and corporate customers. Register or login to get an OFX customised rate. Occasionally, a third-party intermediary or bank may deduct a fee from the value of your transfer. This fee may vary and OFX receives no portion of it.

CA$261bn+

transfers to date

9

years publicly listed

8

global offices

How to send money to the United States from Canada

1. Registration.

We’ll ask for some personal details to create your account and verify your identity.

2. Verification.

Electronic verification keeps things moving before we give you a call to make sure you’re good to go.

3. Book your transfer.

Tell us the amount you want to send, or what your recipient needs to receive and see your rate.

4. Send your funds.

You’ll be notified when funds hit our intermediary account. Track your transfer online, in-app or via SMS.

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

When you transfer money to the United States with OFX the easiest option is Direct Debit. The agreed amount will be withdrawn from your nominated account and then sent to your recipient.

Otherwise, you can send a wire transfer and make your payment online or in-branch (bank fees apply).

In Canada, customers of select participating financial institutions, including RBC, BMO, Tangerine and Credit Unions, also have the option to pay via electronic bill payments.

Please note that payment methods vary based on the currency being sent. Once you lock in your transfer, we will inform you of available payment options.

US dollar banknotes

How long does it take to transfer money to United States from Canada?

Most international money transfers to the USA are completed within 1-2 business days of OFX receiving your funds.

Our global network of banking partners enables us to move your money efficiently, through some of the fastest payment schemes available globally.

Currency tools that could help you save

What’s driving the Canadian dollar right now?

Get up-to-date currency market insights from our OFXperts. It could help you save on your next money transfer to United States.

Your rate to send money to USA now

Need to send money abroad now? Check your customer rate based on the live market.

CAD/USD exchange rates

Not sure how the current market exchange rate for US dollar stacks up? Review past performance for your currency pair.

Rate alerts for US dollar

Want to know the best time to transfer to USA? Set up a Rate Alert for your currency pair and we’ll let you know if the rate hits.

FAQs

Can I send money to USA with a mobile app?

Yes, you can send money to USA using the OFX app available on Android and iOS. Download the app now.

Yes. OFX has implemented reasonable safeguards to help protect your personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. These safeguards include physical, organizational, and technological measures. The specific safeguards used by us may differ based on our sole judgment as to the sensitivity of the information at issue and the format or location in which it is maintained.

For more information please view our Privacy Policy.

OFX is highly regulated by FINTRAC and monitored by 50+ global banking networks, advanced fraud detection, and hands-on OFXperts, you can feel confident in going global.

Can I send money from the USA to Canada instead?

Can I send money from an Canadian bank account to the United States?

OFX can transfer funds to almost any bank in USA, including, but not limited to:

How can I send money to a friend in the USA from Canada?

Whether it’s a gift or a lifeline, when you transfer with OFX we can send money straight to your friend’s bank account.

They don’t need to sign up with OFX, all they have to do is share their bank account details with you.

When you’re trying to find the cheapest way to send money overseas, there are three prices you should be aware of:

  1. The fee to send the money. Sending money overseas with your bank will often incur a hefty fee of up to $35 just to make the transaction. Using an online money transfer service is usually substantially cheaper, if not free.

  2. The margin taken by the money transfer provider. Shopping around for the best currency exchange rate can save you hundreds and even thousands on sizeable transfers. Banks often charge a margin of up to 5% above the daily interbank exchange rate. So when your bank tells you that you’ll spend .77 GBP for every $1 (USD), a simple Google search may reveal that the real daily exchange rate is closer to .72. That means that on a £10,000 transfer to the U.S., you may lose around £400 by using your bank. Using OFX instead gives you access to consistently competitive exchange rates, and it may be your cheapest way to send money overseas.

  3. The fee to receive the payment. Some banks may charge your recipient a fee to receive money from overseas. At OFX, we do our best to minimise these fees by sending your money using our global network of 115 local bank accounts. See, banks often don’t charge such fees for local transfers, so whenever possible, OFX uses our local account to make your transfer. It works like this: you pay into our local account in your home country, and we pay out from our local account in your recipient’s country, so your recipient doesn’t have to pay receiving fees. Unfortunately, these fees vary from bank to bank, and they also depend on what kind of account your recipient has, which is why we can’t guarantee that you won’t pay a receiving fee when you make a transfer with us. But at least you do know that we’re doing our best to deliver value for our customers.

When evaluating the cheapest way to send money overseas, there are additional factors to consider beyond fees and exchange rates:

  1. Is the exchange rate guaranteed? Some peer-to-peer money transfer providers do not allow you to lock in a rate before you book your transfer, and you could have to wait 1-6 days for a buyer on the other side. If the currency exchange rate fluctuates dramatically, you could potentially lose big. Even a 1-2% movement in the exchange rate could mean a difference of hundreds of dollars depending on the size of your transfer. When you book a transfer with OFX, your rate is locked-in, so you always know how much your recipient will receive.

  2. Is the service convenient, clear and accessible? Depending on how often you need to transfer money overseas, customer service and automated transfers can be very important. You may want to choose a provider who lets you track your transfer, so you always know where your money is. With OFX, you can lock in an exchange rate for up to a year, so you can protect yourself from currency swings. You can also use our app to follow your money every step of the way, and you’ll always have 24/7 access to our customer service team. When the banks are closed, OFX is open, so you can book a transfer on your schedule–not your bank’s.

  3. Be careful whom you send money to. According to the FCA website, “Do not respond to an individual asking for help to place large sums of money in an overseas bank account.” At OFX, all our employees are trained to look out for unusual activity, and we may say ‘no’ to certain transfers that look very suspicious, but we always encourage our customers to think twice before sending money overseas if the recipient is someone you’ve never met in person. If you’d like to know more about our fraud prevention, you can read about common frauds or learn how OFX helps keep you secure.

Our customers say it best:

“First class service. I would advise anyone wanting to transfer funds abroad to use OFX. ”

–David Dyson, Trustpilot Review, 2.9.16 

What verification details do I need to provide as a Canadian resident?

Verification helps keep our platform safe from fraud, so we verify the identity of every person who requests an OFX account.

To verify your identity you’ll need your passport, driver’s license or identity card.

If you’re making a business money transfer, we’ll also ask for your business registration number. industry, and other additional documentation relevant to your business structure.

Is there any limit on how much money I can send to the United States from Canada?

OFX does not enforce any limits on the amount of money you may wish to transfer to the United States.