Best Way to Send Money From USA to Canada

Once upon a time, sending money abroad was a nightmare for anyone with anxiety issues (like me). You’d send it, hope for the best, and check the status like it was a tracking number for your sanity. These days, the best way to send money from US to Canada is quick, reliable, and actually kind to your stress levels.

Ogvio is set to be part of that change. The new global money transfer platform allows you to top up, select a recipient, and send funds directly to them via their Ogvio tag. Easy peasy.

	OGVIO
Funding Methods	Card Apple Pay Google Pay Bank transfer
Delivery Methods	Bank deposit Card Google Pay Apple Pay
Supported Networks	Base
Transaction Speed	| | | | | Long Average Very Quick
Bulk Payments
Scheduled Payments
	Visit site Read review

Table: Ogvio asset movement

Transfers are designed to arrive in seconds, without confusing fees or long confirmation times. Every top-up will be automatically converted to USD or EUR, helping retain value even when exchange rates fluctuate.

You won't need monthly plans or paid tiers. For anyone searching for how to send money to Canada from US free, Ogvio displays any fees upfront. Most transfers are fee-free; when a fee applies, you'll see it before you send, and pricing is kept low, aiming to be one of the most competitive options on the market.

Ogvio's interface is being built to feel intuitive, drawing inspiration from social media-style navigation. Even those new to fintech tools should find it easy to move funds, manage balances, or send quick payment requests.

Ogvio also plans to integrate crypto features, on-ramp payments, and multi-currency support. Once fully launched, users may be able to manage traditional currencies and digital tokens within one space, accessible in over 160 countries, including:

• United States
• Canada
• India
• South Africa
• Ukraine
• Philippines
• And more

Here’s a brief preview of Ogvio’s planned features:

Table: Ogvio at a glance

Ogvio is still under development, but continues to generate excitement among early watchers. Its vision combines ease of use with a strong technical backbone, hinting at a future where sending money abroad feels instant and social.

Everyone has their own idea of the best way to send money from USA to Canada, but few expect it to feel this easy. Krak by Kraken entered the scene on June 26, 2025, with a mission to make sending and receiving money as natural as chatting online.

When you wonder “how can I send money to Canada from US hassle-free?”, Krak has a simple answer: use a Kraktag. No long account numbers or routing details needed. Just pick your contact, type their tag, and send.

	KRAK
Mobile App	Android/iOS
App UX
Customer Support	Chat - 24/7
Analytics & Reporting	N/A
Interest / Investment / Savings Options	1 Earn (staking) - up to 8.8% APR 2 Opt-in - up to 0.10%
Extra Features	1 Username functionality (Kraktag) 2 Proof-of-Reserves
	Visit site Read review

Table: Krak user experience

By default, users can send up to 3,000 USD per week across both fiat and crypto transfers, and these limits apply to all outgoing transfers to other Krak accounts. The cap resets on a rolling 30-day basis, so it refreshes gradually rather than on a fixed day each week.

If you have not fully verified your account, you can raise your limits by submitting ID verification. Krak’s system automatically adjusts these limits as your profile develops, taking several factors into account:

• Account age;
• Country of residence;
• Chosen deposit methods;
• Transaction history and overall activity.

Over time, consistent usage can unlock higher limits and smoother transactions, giving you greater flexibility for both everyday transfers and larger payments.

Then there’s Krakback, the daily perk that feels like a mini lottery. Performing one peer-to-peer transaction per day can unlock a crypto reward for both the sender and the receiver.

Some earn stablecoins, others snag meme tokens like PEPE or PENGU.

To give you a clear picture, here’s an overview of Krak’s main features:

Table: Krak at a glance

All in all, Krak feels like a social app disguised as a payment tool. You can send funds, earn random bonuses, or stake your holdings without leaving the app.

There’s something satisfying about knowing where every cent goes. Wise builds on that feeling, which is why many consider it the best way to send money from USA to Canada.

Every transaction on Wise feels deliberate. You’ll see the full breakdown before confirming a transfer (no hidden markups or vague conversion rates). The app uses the real mid-market rate, which means the number you see matches what you’d find on Google.

	WISE
Deposit Fees	Bank - free Card - varies SWIFT - varies
Withdrawal Fees	ATM - 2 free/mo < $200; then 1.75% Bank - varies
Other Fees	Using stocks - 0.6%/yr Using Wise Interest - 0.26%/yr
Card Maintenance Fees	Free
Fee Transparency
Markup
	Visit site

Table: Wise fees

Fees typically range from 0.35% to 1.5%, depending on the funding method and currency involved. Users who transfer larger amounts, such as 20,000 GBP or more per month, automatically receive tiered discounts.

Wise’s multi-currency account has no ongoing fees, and the linked debit card can be ordered for a one-time payment of £7. Those who want faster delivery can pay £10.85 to receive the card within two days.

For recipients whose banks support Interac, you can send a transfer using their registered email address. After selecting CAD as the transfer currency, choose the Interac option and enter their email. Though this feature is available only for CAD transfers and does not apply if you’re sending from SGD, AUD, NZD, BRL, or INR.

Moreover, there’s no limit on sending CAD directly to a bank account. However, Interac transfers allow up to 25,000 CAD per transaction.

Once the payment is set up, your recipient will receive two emails: one from Interac with a link to claim the funds and another from Wise containing the PIN. If the money remains unclaimed for three calendar days, the transfer is automatically refunded to you, and you’ll need to create a new one.

Let's see how it all comes together:

Table: Wise at a glance

Wise packs transparency, regulation, and real exchange rates into one clean platform, which makes it a reliable choice on this list of the best ways to send money to Canada from US. Just note that the debit card comes with a few small fees, so review the details to see which features suit you best.

There’s a reason Xoom often lands on lists of the best ways to send money from USA to Canada. With PayPal behind it, Xoom offers a familiar interface, straightforward setup, and transfer times that tend to impress first-time users. Everything feels polished and easy to navigate from the moment you sign in.

For those of you who wonder how to send money to Canada from US, Xoom gives you multiple paths to do it. You can send directly to major banks such as TD Canada Trust and RBC, or opt for the cash pickup option at branches like Ria.

	XOOM
Mobile App	Android/iOS
App UX
Customer Support	Email Phone
Analytics & Reporting	N/A
Interest / Investment / Savings Options	1 Not offered
Extra Features	1 Mobile top-ups 2 UPI and PIX routes 3 Home delivery
	Visit site

Table: Xoom user experience

You can use Xoom to send money to Canada from several regions, including the United States in USD and Canada in CAD. The currencies and payment options available depend on where you’re sending from, but overall, the coverage is quite broad.

Xoom supports transfers to more than 140 countries and lets you choose how the funds are delivered, including direct bank deposit, cash pickup, home delivery, or even airtime top-up. Not every option is available everywhere, though, and the fee structure can feel a bit complex, especially when switching between payment methods or currencies.

Transfer limits depend on your account level and payment type as well. From the US, you can send up to 2,999 USD per transaction for both bank deposits and cash pickups. Most transfers reach within minutes, while bank deposits typically land by the next business day.

To get a sense of how the system functions, here’s a quick breakdown of Xoom’s features:

Table: Xoom at a glance

All these features run smoothly within PayPal’s trusted framework, which gives Xoom a sense of reliability that feels both polished and safe. Users can also connect their PayPal balance or use PayPal USD (PYUSD) to send funds, a convenient setup for those who already keep money within the PayPal ecosystem.

But as smooth as that sounds, smart senders should always check one thing before confirming the transaction: the exchange rate. Xoom clearly states on its website that, in addition to transaction fees, it makes money when it changes your send currency into a different one.

In other words, the rate you see may include a small markup over the mid-market rate you’d find on a live converter. The difference might look minor at first glance, but it can make a noticeable impact on larger transfers.

Among all of the best ways to send money to Canada from US, Remitly feels like the easy pick.

If you ask me why, it's because the platform lets you choose between Express and Economy transfer speeds, so you can decide if arriving in minutes matters more than saving on fees. First-time users often qualify for a zero-fee transfer or a promotional exchange rate, which is a neat bonus if you are trying to stretch every dollar.

	REMITLY
Deposit Fees	N/A
Withdrawal Fees	N/A
Other Fees	Exchange rate markup
Card Maintenance Fees	No card
Fee Transparency
Markup
	Visit site Read review

Table: Remitly fees

Security is one area where Remitly doesn’t take shortcuts. Remitly is fully licensed in the US, regulated by the FCA in the UK, and operates across the EEA through Remitly Europe Limited.

Password checks, mobile verification, and fraud monitoring do the heavy lifting to keep your details private. Plus, Remitly uses Transport Layer Security (TLS) and AES-256 encryption to keep every transfer safe.

Another nice touch from Remitly is the addition of Interac e-Transfer as of March, 2025. You can use it to fund a transfer from Canada or to deliver money directly to someone’s Canadian account. It’s faster, familiar, and removes the need to type in all those account numbers.

To send with Interac e-Transfer, just pick it as your delivery method and enter your recipient’s registered phone number or email. They’ll get a quick notification, and if their bank allows automatic deposits, the money lands instantly.

Here’s a quick recap of what Remitly offers:

Table: Remitly at a glance

All things considered, one area for improvement at Remitly is flexibility with sending limits. For US senders, the cap is 100,000 USD per transfer.

Exceeding that limit requires providing additional information, such as bank statements or pay stubs, which can slow down a planned transfer. Planning ahead ensures you stay under the cap and your money reaches its destination on time.

Airwallex is probably not the first name you would think about when considering the best method of sending money to Canada from US. This is because it's a B2B platform for global accounts, FX, and payouts - no personal P2P. Therefore, this option might not suit a lot of people.

That said, with this platform, you can hold funds in 20+ currencies, collect locally from 60+ countries/regions, and send payouts to 150+ countries (local rails) or 200+ via SWIFT.

What gives Airwallex its edge is that it's built for businesses to pay suppliers, contractors, and employees. You can move funds globally and still access multi-currency accounts all under one platform.

According to its official website, Airwallex serves around 150,000 companies and has processed over $200B in global payments. Its structure mirrors that of a high-functioning payment network rather than a simple transfer service.

You can also open local bank accounts in more than 20 currencies, receive money from over 60 countries, and send payments to more than 150 destinations.

These are the features that earn Airwallex a spot on my list:

Table: Airwallex at a glance

Airwallex also integrates with accounting tools like Xero and QuickBooks, which helps simplify bookkeeping and financial tracking. It suits businesses that need to manage international funds without jumping between platforms.

Nonetheless, users in the US or Canada might find the customer support less accessible. Airwallex doesn’t provide live chat, and phone assistance is only available in regions like China, the UK, and the EU or EEA.

The chatbot on the website handles basic questions, but for complex issues, users must submit a form that generates an email ticket. It’s not a deal-breaker, of course, but users who like getting quick answers may find themselves waiting longer than expected when something goes off track.