Free & Instant Money Transfers Between Canada & the U.S.Disclaimer1

Cross-border money transfers made easy

Whether you're sending money to the U.S. or Canada, take a load off with RBC Cross-Border Banking. For over 20 years, we've been providing secure and easy U.S. banking to over 450,000 Canadians who live, travel, shop and work in the U.S.

Currency Exchange Icon

Instant money transfers and foreign exchangeDisclaimer1

What's faster than fast? Instant money transfers. No guessing on the exchange rate or waiting days for a money transfer to go through.

Cash Icon

Unlimited, free money transfersDisclaimer1

Transfer up to $25,000 USD at a time, as many times as you need. And when we say free, we mean free. No more money transfer fees, expensive wire transfers or bank drafts.

Cheque Icon

No-fee U.S. banking for your first yearDisclaimer29

When you open an RBC Bank U.S. Direct Checking account and apply for a no annual fee RBC Bank U.S. credit card,Disclaimer20 we'll waive your banking fees for the first year.Disclaimer29

Say goodbye to wire transfers, bank drafts and trips to the branch

Say goodbye to wire transfers, bank drafts and trips to the branch

Online money transfers are only the beginning

Snowbirds, international students and travelers, rejoice! Transferring money between Canada and the U.S. has never been easier, and we can help with more than money transfers. Send money to the U.S., pay your U.S. bills and even shop online, all while avoiding the endless fees and charges you might incur with international wire transfers.

Loan Protection Icon

Easily move money to the U.S.Disclaimer1

Sending money to the U.S. is a cinch with RBC Cross-Border Banking. Send as many money transfers between your U.S. and Canadian RBC accounts as you need, all for free.Disclaimer1 That's right – transfer USD to CAD and CAD to USD… for free. Free money transfers? Can't complain about that.

Mobile Icon

Send money to friends and family

Now that you've transferred money to your U.S. account, the world is your oyster! You can easily transfer money person-to-person using 3rd party apps like Venmo, PayPal, Apple Cash and Cash App.Disclaimer39 All you need is RBC Cross-Border Banking and a U.S. SIM card for your U.S. cell number.

Transfer Money Icon

Move money back to Canada

Did you transfer too much money to your U.S. account? Or are you earning money in the U.S. and want to send some back home? It doesn't matter the reason – you can easily transfer money back to your Canadian RBC account, free of charge. Your U.S. banking comes with U.S. routing and account numbers, allowing you to bank just like an American.

Receipt Icon

Pay U.S. bills online

Paying bills across borders can be a pain, but not with RBC Cross-Border Banking. After you transfer money to your U.S. account, you can pay U.S. bills with ease online. Better yet – you can easily pay off your U.S. credit card in a few clicks. How's that for pain relief?

Cart Icon

Shop U.S. retailers online

Love to shop in the U.S. but not planning a trip anytime soon? No problem – just do your U.S. shopping online with your U.S. credit card. Or, instantly transfer money to your U.S. account and use your U.S. Visa Debit to shop online at U.S. retailers.Disclaimer1 Take advantage of currency fluctuations and say goodbye to foreign transaction fees.Disclaimer19

Rewards Icon

Earn and redeem Avion Rewards

If the joys of unlimited free money transfersDisclaimer1 aren't enough for you, we've got more! While you're busy shopping online and paying U.S. bills with your Visa Signature Black credit card, you'll be earning flexible rewards. Earn 1 point for every $1 spentDisclaimer6 and redeem for unlimited 1.00% cash back,Disclaimer24 travel, gift cards or merchandise. Free money transfersDisclaimer1 and credit card rewards? Say no more.

Perks on perks on perks

Free, unlimited money transfersDisclaimer1 are only the beginning. Enjoy our offers and perks – available on both sides of the border. It's just one more way you can save money while at home or visiting the land of the free.

rewards

Get rewarded for the things you do every day

Earn Avion points with your account.Disclaimer6

rewards

Shop U.S. deals online and have them sent to your door

Get a two-year free membership and 20% discount on your first shipment with MyUS.com,Disclaimer39 then get 15% off all future shipments.

The cross-border banking bundle you need

With free money transfersDisclaimer1 galore, a no-fee credit cardDisclaimer20 and one year of $0 monthly fee banking,Disclaimer13, Disclaimer29 you'll be ready to conquer the beach… or the slopes… or the city. Join over 450,000 clients and take advantage of our free and instant money transfers.Disclaimer1 Get your cross-border banking bundle today!

With free money transfersDisclaimer1 galore, a no-fee credit cardDisclaimer20 and one year of $0 monthly fee banking,Disclaimer29 you'll be ready to conquer the beach… or the slopes… or the city. Join over 450,000 clients and take advantage of our free and instant money transfers.Disclaimer1 Get your cross-border banking bundle today!

Canadian Bank Account

RBC Day to Day Banking

Get the Canadian essentials so you can bank on both sides of the border.

  • 12 debits per month; $1.25 per additional debit tooltip
  • Free InteracDisclaimer e-Transfers in Canada tooltip
  • Award-winning RBC Mobile app tooltip

Annual fee: 

$0 for the first yearDisclaimer13 tooltip

Money transfer time: 

InstantDisclaimer1

Money transfer fee: 

U.S. Bank Account

Direct Checking

Make unlimited instant transfers between the U.S. and Canada.Disclaimer1

  • 10 debits/month; $1 per additional debitDisclaimer1
  • Pay your U.S. credit card and other bills and deposit U.S. checks online
  • $0 minimum balance; $50 deposit required to open

Annual fee: 

$0 for the first yearDisclaimer29 tooltip

Money transfer time: 

InstantDisclaimer1

Money transfer fee: 

U.S. Credit Card

Visa Signature Black

Pay no annual fee and use your Canadian credit history to qualify.Disclaimer20

  • No foreign transaction fees on U.S. purchasesDisclaimer19
  • 1 Avion point for every $1 spentDisclaimer6
  • Built-in insurance coverage that protects your travels, purchases and moreDisclaimer9

Annual fee: 

Intro APR: 

0% for first 6 months tooltip

Additional cardholder fee: 

$0

Send me my offer

We’ll send this offer straight to your email. Then, just head to an RBC branch to finish applying.


To open an account in branch, you must be 18 years or older, live in Canada or the U.S. and provide a:
  • Social Insurance Number or Social Security Number
  • Driver’s licence, passport or government ID
U.S. Bank Account

Direct Checking

Make unlimited instant transfers between the U.S. and Canada.Disclaimer1

  • 10 debits/month; $1 per additional debitDisclaimer1
  • Pay your U.S. credit card and other bills and deposit U.S. checks online
  • $0 minimum balance; $50 deposit required to open

Annual fee: 

$0 for the first year tooltip

Money transfer time: 

InstantDisclaimer1

Money transfer fee: 

U.S. Credit Card

Visa Signature Black

Pay no annual fee and use your Canadian credit history to qualify.Disclaimer20

  • No foreign transaction fees on U.S. purchasesDisclaimer19
  • 1 Avion point for every $1 spentDisclaimer6
  • Built-in insurance coverage that protects your travels, purchases and moreDisclaimer9

Annual fee: 

Intro APR: 

0% for first 6 months tooltip

Additional cardholder fee: 

$0

Get your cross-border banking bundle today!

It only takes 5 minutes

Apply Now
Canadian Bank Account

RBC Day to Day Banking

Get the Canadian essentials so you can bank on both sides of the border.

  • 12 debits per month; $1.25 per additional debit tooltip
  • Free InteracDisclaimer e-Transfers in Canada tooltip
  • Award-winning RBC Mobile app tooltip

Annual fee: 

$0 for the first yearDisclaimer13 tooltip

Money transfer time: 

InstantDisclaimer1

Money transfer fee: 

U.S. Bank Account

Direct Checking

Make unlimited instant transfers between the U.S. and Canada.Disclaimer1

  • 10 debits/month; $1 per additional debitDisclaimer1
  • Pay your U.S. credit card and other bills and deposit U.S. checks online
  • $0 minimum balance; $50 deposit required to open

Annual fee: 

$0 for the first yearDisclaimer29 tooltip

Money transfer time: 

InstantDisclaimer1

Money transfer fee: 

U.S. Credit Card

Visa Signature Black

Pay no annual fee and use your Canadian credit history to qualify.Disclaimer20

  • No foreign transaction fees on U.S. purchasesDisclaimer19
  • 1 Avion point for every $1 spentDisclaimer6
  • Built-in insurance coverage that protects your travels, purchases and moreDisclaimer9

Annual fee: 

Intro APR: 

0% for first 6 months tooltip

Additional cardholder fee: 

$0

Send me my offer

We’ll send this offer straight to your email. Then, just head to an RBC branch to finish applying.


To open an account in branch, you must be 18 years or older, live in Canada or the U.S. and provide a:
  • Social Insurance Number or Social Security Number
  • Driver’s licence, passport or government ID
U.S. Bank Account

Direct Checking

Make unlimited instant transfers between the U.S. and Canada.Disclaimer1

  • 10 debits/month; $1 per additional debitDisclaimer1
  • Pay your U.S. credit card and other bills and deposit U.S. checks online
  • $0 minimum balance; $50 deposit required to open

Annual fee: 

$0 for the first yearDisclaimer29 tooltip

Money transfer time: 

InstantDisclaimer1

Money transfer fee: 

U.S. Credit Card

Visa Signature Black

Pay no annual fee and use your Canadian credit history to qualify.Disclaimer20

  • No foreign transaction fees on U.S. purchasesDisclaimer19
  • 1 Avion point for every $1 spentDisclaimer6
  • Built-in insurance coverage that protects your travels, purchases and moreDisclaimer9

Annual fee: 

Intro APR: 

0% for first 6 months tooltip

Additional cardholder fee: 

$0

Get your cross-border banking bundle today!

It only takes 5 minutes

Apply Now