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Send money to Canada instantly

Transfer Canadian dollars (CAD) from Nigeria, the US, UK, or Europe directly to any Canadian bank account via Interac. Fast, secure, and reliable.
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How much does it cost to send money to Canada?

Most international transfers to Canada cost between $8 and $30 in fees alone, before you even factor in the exchange rate markup. Grey charges a flat $2.50 for bank transfers and $3.00 via Interac, regardless of how much you send. Here is how that compares.
Transfer amount
Competitor avg. fees
Transfer amount
$200 CAD
$500 CAD
$1,000 CAD
Competitor avg. fees
$28
$62
$145
Grey fee (Bank transfer)
$2.50
$2.50
$2.50
Grey fee (INTERAC)
$3.00
$3.00
$3.00
Comparison based on publicly available competitor pricing as of April 2026. Competitor fees may change. Exchange rates are live and shown before you confirm your transfer.
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With Grey, there are no hidden fees baked into the rate
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How exchange rates work

Grey shows you the live mid-market rate inside the app before you confirm any transfer, displayed openly at the point of sending. You see the exact CAD amount your recipient will get before you tap “Send”.
Grey foreign bank account in Brazil.

How to send money to Canada without paperwork

For senders

Move money from your NGN, USD, GBP, or EUR balance to Canada instantly.

For receivers

Nothing to download. Your recipient doesn't need an extra app or account. The money lands directly in their bank.

For direct payments

You can help pay billls like rent or tuition by sending CAD directly to your loved ones’ Canadian bank accounts.

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What is Interac and why?

Interac is Canada’s premier, secure, and real-time electronic funds transfer network. It allows individuals and businesses to instantly send and receive money directly between Canadian bank accounts.
By integrating Interac into the Grey ecosystem, we’ve bridged the international gap. When you send CAD via Grey, it doesn't move like a slow overseas wire; it moves like a local Canadian payment.
When you send money to Canada using Grey:
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You’re using a network trusted by every major financial institution in Canada
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For your recipients in Canada, the funds are immediately available

Real stories from our global community

Working in an NGO, I often have to deal with various currencies. Grey's virtual account has simplified these transactions immensely. It's a reliable and convenient financial tool, too.
Nneka Bada
NGO facilitator
As a freelancer working with clients globally, Grey’s virtual foreign account has made receiving payments so much easier. No more currency headaches and the fees are surprisingly low!
Imisioluwa Adeyeri
Content Marketer
As someone who’s always on the move, Grey’s virtual foreign account fits my lifestyle perfectly. Easy access to my funds in different currencies, all in one app - it’s brilliant!
Emeka Amadi
Digital Nomad
I regularly deal with clients from different countries, and Grey has simplified my financial transactions incredibly. The ability to handle various currencies without worrying about exchange rates is fantastic.
Sophia Chiedu
IT Consultant

Frequently asked questions

Send CAD now

How is Grey different from a traditional bank wire?

Plus icon
Traditional wires are expensive (often costing $30–$80 in hidden fees) and slow (3–5 days). Grey uses INTERAC e-Transfer and the Canadian domestic rails. This means your money moves within Canada like a local transfer, making it faster and significantly cheaper ($3.00 vs. $30.00+).

Do I need a Canadian bank account to send Canadian dollars (CAD)?

Plus icon
No. You only need a Grey account with a supported currency balance. The recipient must have a Canadian bank account to receive the funds.

How long does a CAD transfer take?

Plus icon
Interac transfers are usually delivered within minutes, while bank transfers typically arrive within one business day, depending on the time the transfer was submitted.

What currencies can I send CAD from?

Plus icon
Grey allows CAD transfers from USD, EUR, GBP, and NGN balances, with automatic currency conversion during the payment.

What is the minimum amount I can send?

Plus icon
The minimum transfer amount is 5 CAD per transaction.

What is the maximum transfer amount?

Plus icon
Individuals can send up to 10,000 CAD per transaction, while Grey Business accounts can send 25,000 CAD via Interac or 100,000 CAD via bank transfer.

Can I send money to both personal and business accounts?

Plus icon
Yes. Grey supports transfers to both personal and business bank accounts in Canada.

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