Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
the Philippines to Canada without the detour
Filipino freelancers, BPO contractors and online sellers are paid in dollars, and send onward from Grey. Looking at Toronto, the picture is clear. Canada hosts huge Filipino, Indonesian and Singaporean communities, and families send for tuition and settling in.
Grey converts USD to CAD in one step and pays into RBC, TD, Scotiabank, BMO, CIBC or any other bank in Canada. Your recipient sees a normal CAD credit and never needs to open a Grey account.
How sending to Canada works
Sign up
Scan your passport or PhilSys ID, take a selfie, and Grey opens a USD account in your name. That's the account your foreign income lands in. Grey works with licensed partners serving the Philippines.
Fund
There's no local currency top-up in the Philippines. Your Grey balance is whatever foreign income you've received, and that's what pays for Toronto.
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.
Why the rate matters more than the fee
The CAD figure Grey quotes in Manila is the figure RBC credits. There's no second conversion on the Canada side to eat into it.
No adjustments after the fact
The USD to CAD rate you see at confirmation is the rate applied. If the dollars move between your tap in Manila and settlement in Toronto, your recipient's amount doesn't.
That matters when you've promised a specific figure in Canadian dollars.
Why the Philippines to Canada deserves a proper rate
Anyone in Cebu who has sent to RBC the old way knows this. 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. Grey gives a sender in Manila a locked rate, a visible fee and a CAD deposit that arrives whole.
What arrives in Canada
Your recipient receives CAD at RBC, TD, Scotiabank, BMO, CIBC or any other Canadian bank as an ordinary deposit. The transfer shows as settled in your Grey app in Manila at the same moment.
Any Canadian bank
Enter the account number and bank name. The CAD posts directly to that account.
Save the recipient
Paying the same person every month? Save the details once and resend in three taps.
GreyTag for Grey users
If the person in Toronto is also on Grey, GreyTag moves the money instantly at no cost.
Funding, step by step
Filipino freelancers and BPO contractors receive dollar pay into Grey. That balance sends onward without a peso conversion. A transfer to Toronto is then one conversion, shown before you confirm.
From an employer abroad
Payroll into your Grey USD account, then straight to Toronto.
From platforms
Upwork, Fiverr and Deel payouts land in Grey and convert to CAD.
From family
A GreyTag from a relative funds a transfer to Canada in seconds.
Term fees and rent in Toronto fall on fixed dates. Set a reminder, keep the balance ready, and the transfer from Manila takes under a minute.
Who uses this corridor
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.
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.
For senders in Manila and Cebu, the Toronto side matters most. Canada hosts huge Filipino, Indonesian and Singaporean communities, and families send for tuition and settling in. From Manila and Cebu, the senders are a mix of families, students' parents and businesses.
Why Grey for the Philippines to Canada
Canada hosts huge Filipino, Indonesian and Singaporean communities, and families send for tuition and settling in. Grey exists on this route so that the CAD arriving in Toronto is never a surprise to the person who sent it from Manila.
Senders in Manila see two numbers, fee and rate, before anything moves. CAD then lands in any Canadian bank.
Get digital banking
at your fingertips
