How can I send money from Canada to the USA?

Sending money from Canada to the United States has never been easier. While banks often charge high fees for international transfers, MTFX offers competitive exchange rates and low fees, making it a smarter choice for your cross-border transactions.

What details do I need to provide about my recipient when sending money?

To complete a transfer, you’ll need your recipient’s full legal name, residential address (no P.O. boxes), bank account number, account type and their ACH or wire routing number (ABA).For individuals, always include both first and last names using only Latin characters (a–z). Account numbers should be 4–17 digits long, while routing numbers must be exactly 9 digits. Find the routing number of your recipient

How long will it take to transfer money from Canada to the USA?

The transfer time depends on the method you choose. With MTFX, most transfers are processed within the same or next business day, ensuring your funds arrive quickly and securely in the recipient’s account.

How much does it cost to transfer money to the USA?

With MTFX, you can send money abroad for as little as $15 in transfer fees. Plus, transactions over $10,000 come with no additional costs, making MTFX far more affordable than banks, which can charge up to $50 per transfer.

Does MTFX transfer money to all banks in the United States?

Yes! MTFX can transfer funds to all major banks in the United States. As long as the bank is supported by standard wire transfer networks, we can facilitate a secure and efficient transaction.

Is there a limit on how much money I can send to the USA from Canada?

MTFX allows you to send large amounts with ease. However, specific limits may vary based on the transfer method and your account type. To confirm any applicable limits for your transaction, reach out to us for details.

Is sending money to the USA from Canada online safe?

Absolutely! MTFX ensures your online transfers are safe and secure. As a FINTRAC-regulated provider, we adhere to the highest compliance and security standards, giving you peace of mind with every transaction.

Send Money to the US from Canada

Send money from Canada to the US without unnecessary fees or delays. With MTFX, it’s fast, affordable, and hassle-free. Access real rates, avoid bank markups, and ensure more of your CAD reaches the US as USD.

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Check mid-market rates now and save when sending money to the US

Conversion rate

CAD/

/CAD

Total amount

10,000.00 CAD

We use mid-market rates. This is for informational purposes only. Log in to view send rates.

Same-Day Wire Transfers

Fast Canada-to-US transfers

Up to 4% Better Rates

Save on CAD-to-USD conversions

24/7 Access to Online Portal

Send money to the US anytime

Nearly 30 Years of Expertise

Trusted since 1996

How to send money to the US from Canada

MTFX makes it a breeze to sign up, get verified and start sending money abroad.

1 Add transfer amount: Enter the amount you want to send and receive a real-time quote to convert CAD to USD at the best rate.
2 Select your recipient: Fill in your recipient’s banking details or select from saved contacts for quick money transfers to the US.
3 Send your payments: Review your details, confirm the transfer, and let us handle the rest.

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Here's why thousands of people choose MTFX to send money to the US

We help you find the best deal: You get access to competitive exchange rates and low fees, so you can make the most of every dollar you send. By comparing live market rates and removing unnecessary markups, you keep more money in your recipient’s hands.
We help you make informed decisions: You get real-time currency data, expert guidance, and transparent pricing, allowing you to choose the right time and method to transfer. Whether it’s a one-time payment or regular transfers, you always stay in control.
We take away the hassle for you: You enjoy a smooth, stress-free experience from start to finish. The entire transfer process is handled online with clear steps, fast delivery, and responsive support, so you can focus on what matters most.

Make every dollar count

How much more can you get with MTFX compared to your bank?

Compare exchange rates and unlock greater value with faster transfers than banks or standard providers. With transparent pricing, real-time FX tools, and secure transactions, you save more every time you send money to the US. See how MTFX stacks up on the USD exchange rate.

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Up to 4% better CAD-to-USD rate: Banks often inflate exchange rates with hidden markups. At MTFX, you get transparent rates with a minimal margin and low fees, so more of your money reaches your recipient.
Transparency you can trust: With MTFX, you see the true exchange rate upfront. No hidden markups, no surprise fees. Just clear, transparent pricing every time you send money from Canada to the US.
Transfers without the wait: Don’t let your money slow down when it can move faster. Avoid processing delays, skip unnecessary paperwork, and enjoy transfers that typically arrive within one business day.
30 years of proven expertise: For nearly three decades, MTFX has been at the forefront of foreign exchange and global payments, trusted for consistency, expertise, and integrity.
Fully committed to security: Every transaction with MTFX is protected by advanced technology and strict regulatory standards. From encryption to compliance, we leave nothing to chance.
Personalized support a click away: At MTFX, you’re never treated as just another transaction. We provide one-on-one support, helping you find the best exchange rates, timing, and transfer options.

More than one reason to send money to the USA with MTFX

Whether you're covering tuition, paying bills, or buying your dream property in Florida, MTFX gives you flexible options tailored to your needs.

Buy property in the US: Secure competitive exchange rates and low transfer fees when purchasing real estate across the border, whether it’s your dream vacation home in Florida or an investment property in Texas.
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Pay US college tuition: Canadian studying in the States? Easily send tuition payments to US colleges with fast, reliable transfers and transparent pricing, so your funds arrive on time, every time.
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Manage snowbird expenses: Planning to head south this winter? Cover your seasonal living costs in the US seamlessly with competitive exchange rates and convenient online transfers, ideal for snowbirds.
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Move retirement savings: Move your retirement funds to the United States securely and efficiently, while saving thousands of dollars on exchange rates and avoiding unnecessary banking fees.
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Fast, simple transfers to the US

Send money to the US with our competitive rates and transparent pricing.

It's not just the fees

Best ways to send money to the US with MTFX

It's not just the fees

Best ways to send money to the US with MTFX

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Interac e-Transfer

Easily fund your MTFX account directly from your Canadian bank using Interac e-Transfer. It’s quick, secure, and widely supported, making it one of the simplest ways to add funds.

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Bill Payment

Top up your MTFX account through your online banking by selecting MTFX as a payee. Bill payments are reliable and convenient, with funds usually arriving in 1–3 business days.

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EFT (Electronic Funds Transfer)

Send funds from your bank via Electronic Funds Transfer (EFT), ideal for larger amounts, recurring transfers, or business payments, with predictable settlement times and low fees.

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Wire Transfer

Fund your MTFX account quickly and securely using a bank wire transfer. Wires are well-suited for larger or urgent funding needs, and funds usually arrive on the same or next business day.

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Not just the senders

Money coming in? Receive US dollars with MTFX for less

Receive in CAD or USD - your choice

Choose how you want to receive your funds: directly in Canadian dollars or in US dollars. MTFX gives you the flexibility to match your needs, whether you’re managing local expenses or keeping funds in USD for future use.

Have your own local US dollar account

MTFX lets you open a dedicated US dollar account right here in Canada. Receive payments like a local, avoid conversion costs when it suits you, and manage your USD balance with ease.

Zero processing or paperwork delays

Skip the long waits and unnecessary forms. With MTFX, your transfers are processed quickly and securely without unnecessary paperwork slowing you down. Get your money moving when you need it most, not days later.

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Not just the senders

Money coming in? Receive US dollars with MTFX for less

Fairness Without Compromise

Transparency in every transaction

At MTFX, transparency is at the core of every transaction. You can send money knowing exactly where your funds are going and how much your recipient will receive.

Fairness Without Compromise

Transparency in every transaction

At MTFX, transparency is at the core of every transaction. You can send money knowing exactly where your funds are going and how much your recipient will receive.

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Real-time exchange rates

Every transfer uses the live mid-market rate, so you see exactly what your CAD is worth in USD.

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Fair, visible margins

We apply only a small, clearly displayed margin, much lower than banks.

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Full cost breakdown

Before you confirm, you’ll see the exact exchange rate, fees, and the final amount your recipient will receive.

Transfers that meet the highest safety standards

MTFX prioritizes your safety with strict regulatory compliance, advanced encryption and proactive fraud monitoring. Your funds are safeguarded in segregated accounts for maximum security and peace of mind.

Regulatory compliance

MTFX is fully regulated under Canadian financial authorities, ensuring every transfer meets strict compliance and reporting standards.

Encryption & data protection

Advanced encryption safeguards your personal and financial information, keeping every transaction private and secure.

Fraud monitoring

Our systems actively monitor transfers for unusual activity, helping protect your money against fraud.

Segregated accounts

All client funds are held in segregated accounts, ensuring your money remains safe and separate at all times.

Transfers that meet the highest safety standards

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Testimonials

MTFX is trusted by millions around the globe

Excellent

Great Money Transfer Service - I called in and my personal rep helped me set everything up online. Now I can send money overseas easier than the bank. It costs way less and gets there quicker. I wish I knew about your company years ago.

Akanksha Kulkarni

Excellent

MTFX makes international payment effortless - a game changer for my business. I’ve been using MTFX to send payments to my overseas suppliers for over a year now, and I couldn’t be happier. Their exchange rates are consistently better than traditional banks, saving me a significant amount on every transfer. The platform is simple to use, and transfers are processed quickly—my suppliers often receive funds on the same day.

What really sets MTFX apart is their customer service. The team is always available to help, whether it’s setting up a new payment or answering questions about exchange rates. Plus, their transparent fee structure means no hidden charges, which is a huge relief for my budgeting.

Sarah

Excellent

Omer was fantastic, he guided us through the process and helped us a lot. We didn’t do our first transaction properly and sent it twice, he was on the phone immediately to let us know and we redacted it. Great company and great employees!

Kyle Daniels

Excellent

Patrick Marsden is the best customer service specialist! He is energetic, efficient and gave me very clear instructions on everything. I had a very good experience on my first payment!