International money transfers

Join over 12.8 million people who choose Wise for fast and secure online money transfers. Save up to 5x when sending money abroad

Over 12.8 million customers
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FCA regulated
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 Rate guaranteed (136h)
  • Domestic wire transfer fee

    0.31 CAD

  • Our fee

    13.59 CAD


Total included fees (0.70%)

13.90 CAD

  • You could save up to 85.27 CAD

Should arrive by 6 January 2025

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?
Sending 2,000 CAD withRecipient gets(Total after fees)
Wise
217,547 JPY
Transfer fee
13.90 CAD
Exchange rate(1 CAD JPY)
109.535
Exchange rate markup
0 CAD

Cost of transfer
13.90 CAD

RBC Royal Bank of Canada
213,888 JPY- 3,660 JPY
Transfer fee
0 CAD
Exchange rate(1 CAD JPY)
106.944
Exchange rate markup
47.31 CAD

Cost of transfer
47.31 CAD

Scotiabank
210,930 JPY- 6,617 JPY
Transfer fee
1.99 CAD
Exchange rate(1 CAD JPY)
105.570
Exchange rate markup
72.40 CAD

Cost of transfer
74.39 CAD

TB Bank
209,028 JPY- 8,519 JPY
Transfer fee
25 CAD
Exchange rate(1 CAD JPY)
105.837
Exchange rate markup
67.52 CAD

Cost of transfer
92.52 CAD

PayPal
208,207 JPY- 9,340 JPY
Transfer fee
4.99 CAD
Exchange rate(1 CAD JPY)
104.364
Exchange rate markup
94.42 CAD

Cost of transfer
99.41 CAD

globe

Send money abroad from the UK in 3 easy steps

Larger transfers. Lower fees. Premium support.

Pay less when you send over 20,000 GBP or equivalent. Plus get dedicated support from our expert team

How to send money abroad from the UK

How to send money abroad from the UK

  1. Just tap in how much, and where to.
  2. Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
  3. And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

How much does it cost to send money abroad?

Pay a small, flat fee and percentage

To send money in CAD to JPY, you pay a small, flat fee of 3.58 CAD + 0.52% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.


Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.


No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Wise
Fees for our low cost transfers
Fixed fee
3.58 CAD
Variable feeup to 36,041 CAD/month
0.52%
Variable feemore than 36,041 CAD/month

How long will a money transfer take?

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

Your transfer route

CAD
JPY

Should arrive

by 6 January 2025

How to send money with Wise

Best ways to send money internationally

  • 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.
  • Direct Debit

    Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.
  • 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

    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

    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

    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.

Protecting you and your money

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

Send money abroad with the Wise app

Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one app.

  • Cheaper transfers abroad - free from hidden fees and exchange rate markups.
  • Check exchange rates - see on the app how exchange rates have changed over time.
  • Repeat your previous transfers - save the details, and make your monthly payments easier.
Learn more about the Wise app

Wise works nearly everywhere

  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Israeli shekel
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

Let's answer some of your questions