Send money from South Africa to Canada
Every month, South African households and businesses move USD into Canadian dollars for someone in Toronto. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months. Grey quotes the rate, fixes it, and pays the bank directly.
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Getting CAD to Canada from South Africa
Seen from Johannesburg. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months. Most banks in South Africa either won't quote CAD or route it through a second currency, adding a spread nobody discloses.
Grey quotes USD to CAD directly for senders in Johannesburg and Cape Town. The CAD lands at RBC, TD, Scotiabank, BMO, CIBC or any Canadian bank as a domestic deposit. Nothing to install on the receiving side.
How sending to Canada works
Sign up
Verify with your SA ID or passport and Grey issues USD, EUR and GBP account details on the spot. Share those with whoever pays you, then add Toronto. Grey works with licensed partners serving South Africa.
Fund
Give a foreign employer or client your Grey USD, EUR or GBP account details. When they pay, the money is ready to send to Toronto.
Send
Pick Interac e-Transfer for instant delivery, or bank transfer with transit and account number for next business day. Confirm CAD, send.
What the fee doesn't tell you
Grey does one conversion, USD to CAD, and shows it. What lands at RBC, TD, Scotiabank, BMO, CIBC is what was on screen in Johannesburg.
The CAD figure doesn't move
Whatever the market does after you tap send in Johannesburg, the CAD amount arriving at RBC is fixed.
For a bill with a due date in Toronto, this removes the guesswork.
The old way to Toronto, and why it costs more
Ask a bank in Johannesburg to send Canadian dollars and you'll often be told to send dollars instead. 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.
CAD into the account, nothing else
CAD into any bank account in Canada. RBC and RBC, TD, Scotiabank, BMO, CIBC are all supported, and the credit looks domestic. The sender in Johannesburg sees the same settlement confirmation in the app.
Bank delivery
CAD to RBC and any other bank in Canada.
Repeat recipients
Store a recipient once. Every future payment is three taps.
GreyTag
Both on Grey? GreyTag delivers instantly with no fee.
Getting money onto Grey in South Africa
Senders in Johannesburg don't fund Grey from a local bank. South Africans on Grey are funded from abroad: a foreign employer, a US client, a family member. That dollar balance sends to any destination without a rand step.
Dollar salary
Give your Grey USD details to the employer. Done.
Client invoices
Bill in USD, EUR or GBP to Grey and pay Toronto from the proceeds.
Standing dollars
Hold USD and convert to CAD at the moment you choose.
Sending to RBC for the first time? Check the account details twice. After that, Grey remembers them.
The people behind South Africa to Canada transfers
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.
Parents of students
Rent and living costs for students at U of T, York, Calgary, Alberta, Manitoba and colleges across Ontario.
Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months. What they share, from Johannesburg to Calgary, is a payment that repeats and a recipient who needs an exact CAD figure.
What you get on the Canada route
Get digital banking
at your fingertips
