Send money to Ireland from Canada
Grey pays out in euro into an Irish bank account, reached by IBAN. Bank of Ireland, AIB and Ulster Bank are all supported. You read the rate and the fee before you confirm, and confirming fixes the rate. The person in Ireland needs no Grey account and collects nothing in person.
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A working-age corridor that runs in both directions
Canada to Ireland is a younger route than most of the ones Grey serves. On one side are Canadians in Dublin, Cork and Galway on a working holiday authorization, keeping a life in Ontario or Alberta ticking over while they earn in euro. On the other are Irish nurses, engineers and tradespeople in Toronto, Calgary and Halifax who left after a first job and still have a mortgage, a car loan or a sibling's deposit waiting at home.
What both groups send tends to be lumpy rather than monthly. A rent deposit. A term of fees. A share of a wedding. Three months of a mortgage while a flat in Rathmines sits between tenants. Because the payments are occasional, it matters that the app behaves the same way the fifth time as it did the first.
Grey pays out in euro directly into the Irish account. You enter the IBAN, check the rate and the fee on the confirmation screen, and send. The credit shows up on the recipient's statement looking like any other euro transfer.
Sending to Ireland in three steps
Sign up
The account is free and opens in about five minutes, so it is ready well before a Dublin letting agent needs the deposit. You verify your identity with a valid identity document. There is no branch appointment and nothing is posted to you.
Fund
Grey holds balances in US dollars, provided by Lead Bank, in pounds and in euro. Money reaches your balance from a client, an employer or a transfer you make yourself.
Send
Enter the Irish IBAN, choose euro, and read the rate and fee on the confirmation screen. Transfers to Irish accounts typically arrive within minutes of confirmation.
What a transfer to Ireland actually costs
Because Ireland is in the eurozone, there is only one conversion on this route. Your balance converts into euro, and euro is what the Irish bank credits. There is no second hop into another currency and no local conversion at the far end, which is where cost quietly accumulates on longer routes.
That also makes providers straightforward to compare. Ask each of them for the euro amount that will land rather than the fee, and put the two figures beside each other. A service advertising no fee can still deliver fewer euro than one that charges openly, because its margin is sitting inside the rate.
How the rate is fixed when you confirm
The rate on the confirmation screen is the rate applied to your transfer. It does not drift between the moment you send and the moment the euro reaches Dublin or Limerick, and Grey does not revisit it after settlement.
On irregular payments that matters more than it does on small regular ones. If you are covering a deposit or a term of fees, the euro figure you were quoted is the euro figure that arrives, so you can tell the person at the other end an amount rather than an estimate.
Grey next to an ordinary Canadian bank wire
A wire from RBC, TD Canada Trust, Scotiabank, BMO or CIBC to an Irish account travels through the correspondent banking network. The wire fee is charged whatever the size of the payment, the exchange rate is set by the bank rather than shown to you in advance, and an intermediary can reduce the euro that finally lands. Interac e-Transfer, which every Canadian uses without thinking at home, does not cross the border at all. Grey converts once into euro, shows the rate and the fee before confirmation, and credits the Irish account directly.
What lands in Ireland
Euro, credited to the Irish account as an ordinary transfer. Your recipient does not register with Grey and has nothing to collect.
Irish bank accounts
Bank of Ireland, AIB and Ulster Bank are supported. The IBAN is the only routing detail you need, and the euro is credited straight to that account.
Timing
Sent from a funded balance, transfers to Irish accounts typically arrive within minutes. Where the Irish bank supports SEPA Instant, the credit clears faster still.
GreyTag
If the person in Ireland also uses Grey, send to their GreyTag instead. That transfer is free and instant, and no account details change hands.
Getting money into your Grey account
You are not moving Canadian dollars into Grey. Money arrives in the balance currency and sits there until you need it.
Paid in by a client
Contractors and freelancers in Canada can be paid directly into their Grey account details, so the money funding a transfer never needs a domestic hop first.
Paid in by an employer
If you work for a company outside Canada, salary can land in your balance in the currency it is paid in. You convert into euro at the point of sending.
A transfer you make
You can move money in yourself from an account you already hold in another currency, on whatever day suits you.
However the money arrives, the fee and the rate for the transfer out are shown at confirmation, and a funded balance can sit untouched until a deposit or a bill in Ireland is genuinely due.
What people on this corridor are paying for
A mortgage that stayed behind
An Irish nurse in Toronto or an engineer in Calgary still covering a mortgage on a flat in Dublin or Cork, sometimes while a tenant covers part of it.
Rent and deposits
A deposit and a first month for a sibling, a partner or a child moving to Dublin or Galway, almost always needed on a particular date.
Fees and course costs
A term of university fees or a course deposit, paid in euro straight to an Irish account rather than routed through a bank draft.
Family occasions
A share of a wedding, a funeral or an anniversary at home. One-off amounts where the euro figure matters far more than the frequency.
Four patterns come up again and again on transfers between Canada and Ireland.
Why this corridor works well on Grey
FAQs
Which Irish banks can Grey pay into?
Bank of Ireland, AIB and Ulster Bank are supported. You enter the recipient's IBAN and the euro is credited to that account.
What do I need besides the Irish IBAN?
The IBAN and the account holder's name are enough. There is no sort code to find, no branch visit and no form to post.
How long does a transfer from Canada to Ireland take?
Sent from a funded balance, euro transfers to Irish accounts typically arrive within minutes. SEPA Instant is used where the receiving bank supports it.
Is the money converted twice on the way to Ireland?
No. Ireland uses the euro, so your balance converts into euro once and euro is what reaches the Irish account.
Can I fund a transfer to Ireland with Interac e-Transfer?
No. Interac e-Transfer works only inside Canada. Your Grey balance is held and funded in US dollars, pounds or euro instead.
Can I pay an Irish letting agent's deposit directly?
Yes. The euro goes to whichever Irish account you enter, including a letting agent's, provided you have the correct IBAN and account name.
Does my sister in Dublin need a Grey account to receive euro?
No. She receives an ordinary euro credit in her Irish bank account and never signs up to anything.
Is the euro rate fixed before I send to Ireland?
Yes. The rate on the confirmation screen is the one applied, and it does not change while the transfer is in flight.
Can I pay Irish university fees through Grey?
Yes, where the university accepts a euro bank transfer. You send to its IBAN exactly as you would send to a person.
I am Irish and working in Calgary. Which balance should I hold?
Most people hold US dollars, provided by Lead Bank. If euro already reaches you, a euro balance means no conversion when you send home.
Is Grey a bank if it is paying euro into an Irish account?
No. What reaches the Irish account is an ordinary bank credit made through licensed banking partners. Grey itself is a financial technology company.
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