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Free & Instant Money Transfers Between Canada & the U.S.Disclaimer1
The fastest way to send money cross-border
This quick and easy foreign exchange tool shows you the value of your U.S. and Canadian dollars. Try it out before sending money to the U.S. or back to Canada to see what your money is worth today.
The fastest way to send money cross-border
This quick and easy foreign exchange tool shows you the value of your U.S. and Canadian dollars. Try it out before sending money to the U.S. or back to Canada to see what your money is worth today.
Non-cash rates as of
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.
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.
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.
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.
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.
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.
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.
Say goodbye to wire transfers, bank drafts and trips to the branch
Say goodbye to wire transfers, bank drafts and trips to the branch
Send money instantlyDisclaimer1
Send up to $25,000 USD in a single money transfer through online banking or the RBC Mobile App. Plus, do it all from the comfort of your couch, your cottage or your car. No more waiting three business days on a wire transfer.
Use ATMs from sea to shining seaDisclaimer4
With RBC Bank, you get free access to over 50,000 no-fee ATMs across the U.S. Don't have money in your U.S. account? Just transfer money from your Canadian account through online banking – as many times as you want from either side of the border.
Save on foreign exchange feesDisclaimer19
Swipe your U.S. credit card and forget about foreign exchange feesDisclaimer3 – no need to travel with wads of cash. Pay your bills and credit card all online.
Send money instantlyDisclaimer1
Send up to $25,000 USD in a single money transfer through online banking or the RBC Mobile App. Plus, do it all from the comfort of your couch, your cottage or your car. No more waiting three business days on a wire transfer.
Use ATMs from sea to shining seaDisclaimer4
With RBC Bank, you get free access to over 50,000 no-fee ATMs across the U.S. Don't have money in your U.S. account? Just transfer money from your Canadian account through online banking – as many times as you want from either side of the border.
Save on foreign exchange feesDisclaimer19
Swipe your U.S. credit card and forget about foreign exchange feesDisclaimer3 – no need to travel with wads of cash. Pay your bills and credit card all online.
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.
Easily move money to the U.S.
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. That's right – transfer USD to CAD and CAD to USD… for free. Free money transfers? Can't complain about that.
Watch: Easy Cross-Border Money Transfers
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.
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.
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?
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
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.
Easily move money to the U.S.
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. That's right – transfer USD to CAD and CAD to USD… for free. Free money transfers? Can't complain about that.
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.
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.
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?
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
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.
Get rewarded for the things you do every day
Earn Avion points with your account.Disclaimer6
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
- Free InteracDisclaimer‡ e-Transfers in Canada
- Award-winning RBC Mobile app
Annual fee:
$0 for the first
Money transfer time:
Instant
Money transfer fee:
$0
U.S. Bank Account
Direct Checking
Make unlimited instant transfers between the U.S. and Canada.
- 10 debits/month; $1 per additional debit
- 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
Money transfer time:
Instant
Money transfer fee:
$0
U.S. Credit Card
Visa Signature Black
Pay no annual fee and use your Canadian credit history to qualify.
- No foreign transaction fees on U.S. purchasesDisclaimer19
- 1 Avion point for every $1 spent
- Built-in insurance coverage that protects your travels, purchases and more
Annual fee:
$0
Intro APR:
0% for first 6 months
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.
- 10 debits/month; $1 per additional debit
- 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
Money transfer time:
Instant
Money transfer fee:
$0
U.S. Credit Card
Visa Signature Black
Pay no annual fee and use your Canadian credit history to qualify.
- No foreign transaction fees on U.S. purchases
- 1 Avion point for every $1 spent
- Built-in insurance coverage that protects your travels, purchases and more
Annual fee:
$0
Intro APR:
0% for first 6 months
Additional cardholder fee:
$0
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
- Free InteracDisclaimer‡ e-Transfers in Canada
- Award-winning RBC Mobile app
Annual fee:
$0 for the first yearDisclaimer13
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
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
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
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