USD → CAD
Send money from United States
to Canada
Fund your account in USD by ACH bank transfer, then pay out in Canadian dollars to a local bank account. Fee and rate are shown before anything leaves your balance.
Get account detailsWork out the cost
- Funding by ACH
- —
- Payout in CAD
- —
- Total cost
- —
- Debited from your balance
- —
The amount your recipient receives in Canadian dollars depends on the exchange rate at the moment of the transfer. It is shown in your account before you confirm.
- RegisteredFINTRAC MSB C100001025, Bank of Canada
- Two-factor by defaultMandatory 2FA on every account
- Checked before payoutRecipient and sanctions screening
How the transfer works
- 1
Top up in USD
Send USD to your PayerPay details by ACH bank transfer. Costs 0.80% plus $3.00.
- 2
Choose the recipient in Canada
Enter their CAD details. They do not need a PayerPay account.
- 3
They receive CAD
Payout to a local bank account. Up to one business day.
What this route costs
Two charges apply and both are visible up front: funding your balance from the United States, and paying out in CAD. Nothing is added at the exchange rate beyond what is quoted.
What this route costs
| You send | Funding by ACH | Payout fee | Total cost | Of amount |
|---|---|---|---|---|
| $200.00 | $4.60 | $8.05 | $12.65 | 6.33% |
| $500.00 | $7.00 | $13.75 | $20.75 | 4.15% |
| $1,000.00 | $11.00 | $23.25 | $34.25 | 3.43% |
| $5,000.00 | $43.00 | $84.25 | $127.25 | 2.54% |
Funding by ACH: 0.80% + $3.00 · Payout in CAD: 1.90% + $4.25
How the money arrives in Canada
Payouts are made in Canadian dollars using the methods your recipient already uses:
- bank account
Sending from United States
You receive personal USD account details in your own name — the same details you can give an employer or a client. Identity verification is required once, before your first transfer.
Common questions
How much does it cost to send money from United States to Canada?
Funding your account by ACH bank transfer costs 0.80% plus $3.00. The payout in CAD costs 1.90% plus $4.25. Both are shown before you confirm, together with the exchange rate and the amount your recipient receives.
How does the money reach the recipient in Canada?
Funds arrive in Canadian dollars directly to a local bank account.
What currency do I send from United States?
You fund your PayerPay account in USD using ACH bank transfer. Conversion to CAD happens at the rate quoted before confirmation.
How long does the transfer take?
Supported local payouts take up to one business day. The expected time for the selected route is shown before you confirm.