Send money from the Netherlands to Canada
Seen from Amsterdam, the corridor looks like this. Europeans in Canada and Canadians in Europe move money both ways for property, study and family. From Amsterdam, Grey pays CAD straight into a bank account in Canada, with the rate and fee shown before you tap send.
EUR
CAD
-
Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
Why Amsterdam to Toronto needs a proper rate
The Netherlands has settled Ghanaian, Cameroonian, Turkish and Indonesian communities, and Dutch firms hire globally.
On the Toronto side, the pattern is different. Europeans in Canada and Canadians in Europe move money both ways for property, study and family. Grey pays Canadian dollars into any bank in Canada, including RBC, TD, Scotiabank, BMO, CIBC. You see the exact CAD amount before you confirm, and that's the amount that arrives.
How sending to Canada works
Sign up
Verify once with your passport or residence permit. From then on, sending to Canada or anywhere else is a saved recipient and three taps. Grey works with regulated partners in the EU.
Fund
Add euros from ING, ABN AMRO, Rabobank, bunq or any Dutch bank. The balance shows in the app straight away, ready to convert to CAD when you need it.
Send
Canada gives you a choice: Interac to the recipient's email or phone, or a bank transfer to their transit, institution and account number. Either way the CAD amount is fixed first.
Where the money goes on the Netherlands to Canada
Grey converts EUR to CAD in one step for senders in Amsterdam, shows the rate and the fee as two separate numbers, and locks both before you confirm. No second conversion, no deduction at RBC.
Fixed from Amsterdam to Toronto
Grey fixes the EUR to CAD rate at the moment you confirm. The CAD amount doesn't move after that.
When you've calculated exactly what a month in Toronto costs from Amsterdam, the number needs to hold.
Why this route is priced badly elsewhere
On this route from Amsterdam, the reason to switch is simple. Bank transfers to Canada clear next business day with an 18:00 Eastern cutoff. Interac e-Transfer is instant, any day. For a student whose rent is due tomorrow, that's the difference. That's the standard Grey works to for a sender in Amsterdam: EUR to CAD quoted directly, delivered to RBC.
Delivered like a local payment
CAD at RBC, or any other bank in Canada, as a straightforward deposit. The recipient in Toronto doesn't see Grey, doesn't need Grey, and isn't charged by Grey. You in Amsterdam see settled in the app.
Any bank in Canada
Bank name plus account number. The CAD lands directly.
Saved details
Save a landlord, school or supplier once for repeat transfers.
Payment records
Each transfer is logged with the rate and fee for your own reconciliation.
Where senders to Toronto start
Most Dutch senders top up in euros and convert to CAD on the day. Dutch senders fund by SEPA or iDEAL from ING, ABN AMRO, Rabobank or bunq. The euro balance waits on Grey until the transfer is due.
Top up once
Move a month's worth of euros in and send to Toronto as needed.
Earn in foreign currency?
Send from that balance and avoid a double conversion.
Convert on the due date
Hold euros, convert to CAD when the payment is actually due.
Most senders from Amsterdam to Toronto settle into a rhythm: top up on payday, convert on the due date, done.
What this route is used for
Parents of students
Rent and living costs for students at U of T, York, Calgary, Alberta, Manitoba and colleges across Ontario.
New permanent residents
Support for family who have landed through Express Entry or PNP and are waiting on a first job.
Tuition instalments
Term payments sent to a student's account for onward payment to the institution.
Urgent transfers
Interac e-Transfer lands instantly when something cannot wait a business day.
Three kinds of sender use this route from Amsterdam: families with someone in Toronto, parents of students, and businesses with a supplier or contractor in Canada. Europeans in Canada and Canadians in Europe move money both ways for property, study and family.
What Grey does differently on this route
Get digital banking
at your fingertips
