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HOMEMONEY TRANSFER
Send money out of Canada to 70+ countries

Send money out of Canada to 70+ countries

Roughly 8.8 million of Canada's 41 million residents were born somewhere else, and something in the order of 15 billion US dollars leaves the country in remittances each year. Grey helps you send money to 70+ countries accross the world, and the receiver gets it in their local currency.
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What Grey is, and what it does from Canada

Grey is an international transfer service and a multi-currency account, used by people in Toronto, Brampton, Surrey, Calgary and Winnipeg who support a household abroad, pay tuition, settle a family obligation or pay a supplier in another country. The network reaches more than 80 countries, and 70+ of them have a destination page written from Canada, each one dealing with that country's banks, currency and payout habits rather than a general promise.

One thing is worth stating plainly before anything else. Grey does not hold a Canadian dollar balance. You hold US dollars, provided by Lead Bank, pounds or euro, funded by money arriving from an employer, a client or a transfer you make yourself. When you send, that balance converts once, at a rate shown to you beforehand and fixed at the moment you confirm.

The receiving end is deliberately unremarkable. In most of the 70+ destinations the recipient is paid in their own currency, into a local bank account or a mobile money wallet, and they open nothing and sign up for nothing to receive it. Alongside the transfers, the same account holds three currencies at once and carries a virtual Mastercard for paying online.

Grey foreign bank account in Ghana
Sign up
A Grey account is free and opens in about five minutes on your phone. You verify yourself once with a valid identity document, and that one verification covers every destination on this page.
Fund
There is no Canadian dollar balance to top up. Yours sits in US dollars, provided by Lead Bank, in pounds or in euro, filled by money arriving from an employer, a client or a transfer you make yourself.
Send
Choose the country, enter the recipient's bank details or mobile money number, and read the two numbers on screen. Confirm, and the rate is fixed from that moment on.

Grey next to an ordinary Canadian bank wire

An international wire from RBC, TD Canada Trust, Scotiabank, BMO, CIBC or National Bank of Canada means a form, a SWIFT routing, a fee you are quoted and an exchange rate margin you generally are not. It is a dependable product and it is not going anywhere. It is simply priced and paced for an older way of sending money, which is why the big banks' international pricing has become a standing Canadian complaint. Three points are worth comparing.
On speed
A wire travels through correspondent banks and settles in business days. A Grey transfer leaves a balance you already hold, so the destination's own payout rails set the pace. Each destination page says what to expect there rather than promising one answer for 70+ countries.
On cost
A bank quotes a fee and then applies its own exchange rate, and the second number is the one that rarely appears on the receipt. Grey separates the two before you confirm, so there is one total to judge instead of a quoted figure and a hidden one.
On what you can check
The rate you were shown is the rate applied, fixed when you confirm and not revisited afterwards. Transfers are encrypted and trackable from confirmation through to settlement, so the question of where the money has got to has an answer.

What sending money out of Canada costs

Canadians come to this with an unusual reference point. Interac e-Transfer has taught a whole country to expect a small, visible, predictable cost for moving money, and then it stops at the border and takes that pricing with it. The international wire desk at a big bank runs on entirely different arithmetic, and the distance between the two is why so many people here shop around before sending.

A page like this one can honestly promise a method rather than a number. Cost varies by destination, and each of the 70 destination pages sets it out for that country's banks and payout routes. What does not vary is the order of events: the fee, the rate, the sum the recipient will receive, and only then the confirmation.

Send money from Canada to India
Send money from Canada to India
India is the largest immigrant origin group in the country, which is why it leads this page. The corridor runs through Brampton, Surrey and Scarborough, and through the trades and trucking firms around Calgary and Edmonton. Grey converts your balance to rupees and credits an Indian bank account.
Send money from Canada to the Philippines
Send money from Canada to the Philippines
The second largest, and the one that keeps the strictest calendar. Care and health workers in Winnipeg, Edmonton and Mississauga send on the fifteenth and the thirtieth, month after month. Grey converts your balance to pesos and credits a Philippine bank account.
From
Canada
To
Austria
From
Canada
To
Bangladesh
From
Canada
To
Belgium
From
Canada
To
Brazil
From
Canada
To
Bulgaria
From
Canada
To
Cameroon
From
Canada
To
Chile
From
Canada
To
China
From
Canada
To
Cote d’Ivoire
From
Canada
To
Croatia
From
Canada
To
Cyprus
From
Canada
To
Czechia
From
Canada
To
Denmark
From
Canada
To
Egypt
From
Canada
To
Estonia
From
Canada
To
Ethiopia
From
Canada
To
Finland
From
Canada
To
France
From
Canada
To
Germany
From
Canada
To
Ghana
From
Canada
To
Greece
From
Canada
To
Hungary
From
Canada
To
Indonesia
From
Canada
To
Ireland
From
Canada
To
Italy
From
Canada
To
Kenya
From
Canada
To
Latvia
From
Canada
To
Lithuania
From
Canada
To
Luxembourg
From
Canada
To
Malaysia
From
Canada
To
Malta
From
Canada
To
Mexico
From
Canada
To
Monaco
From
Canada
To
Morocco
From
Canada
To
Netherlands
From
Canada
To
Nigeria
From
Canada
To
Poland
From
Canada
To
Portugal
From
Canada
To
Romania
From
Canada
To
Rwanda
From
Canada
To
San-Marino
From
Canada
To
Saudi Arabia
From
Canada
To
Senegal
From
Canada
To
Slovakia
From
Canada
To
Slovenia
From
Canada
To
South Africa
From
Canada
To
Spain
From
Canada
To
Sweden
From
Canada
To
Tanzania
From
Canada
To
Thailand
From
Canada
To
Turkiye
From
Canada
To
Uganda
From
Canada
To
United Kingdom
From
Canada
To
United States
From
Canada
To
Uruguay
From
Canada
To
Austria
From
Canada
To
Bangladesh
From
Canada
To
Belgium
From
Canada
To
Brazil
From
Canada
To
Bulgaria
From
Canada
To
Cameroon
From
Canada
To
Chile
From
Canada
To
China
From
Canada
To
Cote d’Ivoire
From
Canada
To
Croatia
From
Canada
To
Cyprus
From
Canada
To
Czechia
From
Canada
To
Denmark
From
Canada
To
Egypt
From
Canada
To
Estonia
From
Canada
To
Ethiopia
From
Canada
To
Finland
From
Canada
To
France
From
Canada
To
Germany
From
Canada
To
Ghana
From
Canada
To
Greece
From
Canada
To
Hungary
From
Canada
To
Indonesia
From
Canada
To
Ireland
From
Canada
To
Italy
From
Canada
To
Kenya
From
Canada
To
Latvia
From
Canada
To
Lithuania
From
Canada
To
Luxembourg
From
Canada
To
Malaysia
From
Canada
To
Malta
From
Canada
To
Mexico
From
Canada
To
Monaco
From
Canada
To
Morocco
From
Canada
To
Netherlands
From
Canada
To
Nigeria
From
Canada
To
Poland
From
Canada
To
Portugal
From
Canada
To
Romania
From
Canada
To
Rwanda
From
Canada
To
San-Marino

Why people in Canada send with Grey

One account, 70+ destinations
A Canadian household rarely sends to one country and no other. Tuition in one place, a parent's rent in another, a supplier somewhere else again. All of it runs from the same balance, after one identity check.
The recipient's own currency, in most places
Across most of the network the payout is a local currency credit into a bank account or a mobile money wallet. For Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria, what arrives instead is a euro credit into a local IBAN through SEPA.
More than a transfer, from the same balance
The account holds US dollars, provided by Lead Bank, pounds and euro at the same time, carries a virtual Mastercard for online payments, and moves money between two Grey users through GreyTag, free and instant.
Who provides the banking
Grey Inc is a financial technology company, not a bank. Banking services are provided by licensed banking partners.

The rest of what Canada can reach

Grey serves more than 80 countries, and 70+ of them have a destination page written from Canada. They sort into four groups, and the group a country sits in decides what the person at the other end actually sees arrive.

Inside the eurozone your balance converts once, into euro: France, Germany, Ireland, Italy, Spain, Portugal, the Netherlands, Belgium, Greece, Austria, Finland, Croatia, Cyprus, Estonia, Latvia, Lithuania, Luxembourg, Malta, Monaco, San Marino, Slovakia and Slovenia.
Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria are the exception to know before you send. Grey does not convert into the local currency of these seven. The recipient receives a euro credit into their local IBAN through SEPA, which suits someone who holds a euro account or will convert at their own bank.
Across Africa the payout is in local currency, into a bank account or a mobile money wallet depending on the country: Nigeria, Ghana, Kenya, Uganda, Tanzania, Rwanda, Ethiopia, Egypt, Morocco, Senegal, Cameroon, Cote d'Ivoire and South Africa.
Asia, the Americas and the rest work the same way, in the currency of the country that receives: India, the Philippines, Bangladesh, China, Indonesia, Malaysia, Thailand, Saudi Arabia, Turkiye, Mexico, Brazil, Chile, Uruguay, the United Kingdom and the United States.

FAQs

How is Grey different from a traditional bank wire?
expand
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)?
expand
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?
expand
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?
expand
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?
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The minimum transfer amount is 5 CAD per transaction.
What is the maximum transfer amount?
expand
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?
expand
Yes. Grey supports transfers to both personal and business bank accounts in Canada.
How many countries can I send to from Canada with Grey?
expand
Fifty seven destinations have a page written from Canada, and the same account reaches more than 80 countries in total.
Can I hold a Canadian dollar balance with Grey?
expand
No. Grey holds no Canadian dollar balance. Yours is in US dollars, provided by Lead Bank, in pounds or in euro.
How do I put money into a Grey balance from Canada?
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Money arrives from an employer, a client or a transfer you make yourself, landing in your US dollar, pound or euro balance.
Is Grey the same thing as an Interac e-Transfer?
expand
No. Interac e-Transfer moves Canadian dollars inside Canada only. Grey converts your balance and pays someone in another country.
What currency will my recipient actually be paid in?
expand
Their own, in most destinations. Grey converts once and credits a local bank account or a mobile money wallet in the local currency.
Why does a recipient in Poland or Romania receive euro?
expand
Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria take a euro credit into a local IBAN through SEPA rather than a local currency payout.
Does the person receiving the money need a Grey account?
expand
No. The payout is an ordinary credit into their bank account or mobile money wallet. Only GreyTag transfers need Grey on both sides.
How does Grey compare with an international wire from RBC or TD?
expand
Compare what lands abroad, not the quoted fee. Grey shows the conversion fee and the exchange rate separately before you confirm anything.
How long does opening a Grey account in Canada take?
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About five minutes on your phone. The account is free, and verification asks for one valid identity document.
Can I send to India and the Philippines from the same Grey account?
expand
Yes. Rupees to Kerala and pesos to Cebu come from one balance, after a single identity check, with no second account to open.
Can the exchange rate change after I confirm a transfer from Canada?
expand
No. The rate and the fee appear before confirmation, and the rate is fixed at the moment you confirm the transfer.

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