Send money from Switzerland to Canada
For senders in Zurich and Geneva, the Toronto side matters most. Europeans in Canada and Canadians in Europe move money both ways for property, study and family. From Zurich, that means EUR turned into Canadian dollars at a rate you can see, landing in Toronto the same day.
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The Switzerland to Canada corridor, explained
From Geneva to Toronto. Europeans in Canada and Canadians in Europe move money both ways for property, study and family.
Swiss senders fund in euros by SEPA from UBS, PostFinance or Raiffeisen. Grey doesn't hold a franc balance, so the euro account is the working balance. Grey then shows the EUR to CAD rate and fee as two separate numbers and delivers to RBC or any other bank in Canada. The recipient doesn't need Grey.
How sending to Canada works
Sign up
You'll need a passport or residence permit and about five minutes. Once verified, Canada is one of 80+ destinations you can add. Grey works with regulated partners in Europe.
Fund
Top up: euros in by SEPA transfer in euros from a Swiss bank, CAD out to Toronto. The top-up usually clears in minutes.
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.
What a transfer to Canada actually costs
Grey prices the transfer once, in Zurich. You see the rate, you see the fee, and the CAD amount that lands at RBC is the one you agreed to.
No re-pricing after you tap send
Rate fixed at confirmation, CAD amount shown before you send, nothing adjusted after. That's the whole promise from Zurich to Toronto.
On a route where the destination currency moves, it's the reason to use a service at all.
Why this corridor gets overlooked
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. From Geneva, Grey turns that into a quoted EUR to CAD rate and a CAD deposit at RBC, same as any local transfer.
Arriving in Canada
Delivery is to the bank account, in CAD, as a domestic credit. That covers RBC, TD, Scotiabank, BMO, CIBC and every other bank in Canada. Nothing for the recipient to do, and a settlement record for you in Zurich.
Straight to the account
No cash pickup, no agent, no collection code. CAD into the bank.
One recipient, many payments
Save the Toronto recipient once and reuse the details.
Receipts
Download a receipt for each transfer showing rate, fee and CAD delivered.
How Swiss senders fund
Funding from Geneva for a transfer to Toronto works like this. Swiss senders fund in euros by SEPA from UBS, PostFinance or Raiffeisen. Grey doesn't hold a franc balance, so the euro account is the working balance. Convert to CAD when a payment to RBC is due, not before.
Bank transfer
UBS, PostFinance, Raiffeisen or any Swiss bank with a euro account to your Grey EUR account, usually within minutes.
Foreign earnings
USD from an overseas employer or platform can fund the Canada transfer directly.
Wallet balance
Convert and send the same minute.
If you're covering a monthly obligation in Toronto, a standing balance on Grey means the transfer never waits on a bank in Zurich.
Senders from Zurich to Toronto
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.
Geneva and Zurich host international organisations, NGOs and banks whose staff send worldwide. On the Canada side, the picture is this. Europeans in Canada and Canadians in Europe move money both ways for property, study and family.
The case for Grey on this route
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