Who can I send Canadian dollar (CAD) to?

You can send Canadian dollar (CAD) to any bank account in Canada.

What information do I need about my recipient?

If you’re sending to a bank account, you’ll need their: full name, up to 35 characters, using English characters (a–z) only 3-digit bank institution number 5-digit transit number 7–12 digit account number, without spaces If your recipient doesn’t know this information, here’s how to find their institution and transit number . If your recipient has a bank account that supports Interac, you can send them a transfer using their registered email address. When you set up your payment to Canadian dollar (CAD), just choose the Interac tab and enter this. But you won’t get this option if you’re sending from Singapore dollar (SGD), Australian dollar (AUD), New Zealand dollar (NZD), Brazilian real (BRL), and Indian rupee (INR).

How much can I send to Canada?

There’s no limit when you send Canadian dollar (CAD) to your recipient’s bank using a bank transfer. You can send up to 25,000 Canadian dollar (CAD) to an email address using Interac. Double-check if your bank offers this option first.

How long does a money transfer to Canada take?

Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Are there any restrictions on sending to Canadian dollar (CAD)?

You can’t send to brokerages or intermediary banks. You can only send to checking and savings accounts. You can’t send Canadian dollar (CAD) to Canadian US dollar (USD) accounts. Make sure your recipient’s bank account is in Canadian dollar (CAD).

Is there any other information I need to know?

The reference you type in for your recipient won’t show in their account. If you’d like them to see the reference, make sure you enter their email address correctly when you set up the transfer. If you’re sending Canadian dollar (CAD) by Interac, your recipient will get two emails: one from Interac with the link to claim the funds, and one from Wise with the PIN. If your recipient doesn’t claim the money in 3 calendar days, the payment gets refunded to you and you need to set up a new transfer.

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Canada

Name: Wise
Rating: 4.8 (1030000 reviews)

Save on your online money transfer to Canada from Hong Kong. Transfer Hong Kong dollar to Canadian dollar quickly, safely and join over 14.8 million people using Wise.

Send money from Canada to Hong Kong instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (16h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
32.05 HKD

Total included fees (0.32%)
32.05 HKD

You could save up to 430.05 HKD

Should arrive by Monday

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Canada

Save on your online money transfer to Canada from Hong Kong. Transfer Hong Kong dollar to Canadian dollar quickly, safely and join over 14.8 million people using Wise.

Send money from Canada to Hong Kong instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (16h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
32.05 HKD

Total included fees (0.32%)
32.05 HKD

You could save up to 430.05 HKD

Should arrive by Monday

Compare fees for when you send money to Canada

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 10,000 HKD with	Recipient gets(Total after fees)
	1,773.85 CAD
Transfer fee 32.05 HKD Exchange rate(1 HKD CAD) 0.177955 Exchange rate markup 0 HKD Cost of transfer 32.05 HKD

	1,753.13 CAD- 20.72 CAD
Transfer fee 65 HKD Exchange rate(1 HKD CAD) 0.176460 Exchange rate markup 84.01 HKD Cost of transfer 149.01 HKD

	1,745.62 CAD- 28.23 CAD
Transfer fee 70 HKD Exchange rate(1 HKD CAD) 0.175793 Exchange rate markup 121.49 HKD Cost of transfer 191.49 HKD

	1,736.33 CAD- 37.52 CAD
Transfer fee 230 HKD Exchange rate(1 HKD CAD) 0.177721 Exchange rate markup 13.17 HKD Cost of transfer 243.17 HKD

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Hang Seng	HSBC HK	Bank of East Asia
Recipient gets (Total after fees)	1,773.85 CAD	1,753.13 CAD	1,745.62 CAD	1,736.33 CAD
Exchange rate (1 HKDCAD)	0.177955	0.176460	0.175793	0.177721
Exchange rate markup	0 HKD	84.01 HKD	121.49 HKD	13.17 HKD
Transfer fee	32.05 HKD	65 HKD	70 HKD	230 HKD
Total transfer cost	32.05 HKD	149.01 HKD	191.49 HKD	243.17 HKD

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Canada from Hong Kong

Enter amount to send in HKD.

Pay in HKD with your debit card or credit card, or send the money from your online banking.

Choose recipient in Canada.

Select who you want to send money to and which pay-out method to use.

Send HKD, receive CAD.

The recipient gets money in CAD directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Canada

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Canada with WISE

The best way to send Hong Kong dollar to Canadian dollar is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit card
Credit card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Google Pay
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Cheapest way to send money to Canada from Hong Kong

The cheapest way to send 10,000 HKD to Canada is by using money that's in your Wise account and costs 28.76 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

CAD

Sending 10,000 HKD	Transfer cost
Wise account	28.76 HKD

Bank transfer	32.05 HKD

Debit card	429.63 HKD

Credit card	452.58 HKD

Apple Pay	466.30 HKD

Google Pay	466.30 HKD

Fastest way to send money to Canada from Hong Kong

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

HKD

CAD

Sending 10,000 HKD	Should arrive
Wise account	by Monday

Bank transfer	by Monday

Debit card	by Monday

Credit card	by Monday

Apple Pay	by Monday

Google Pay	by Monday