Free & Instant Money Transfers Between Canada & the U.S. Disclaimer 1

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.

I want to convert: $CAD Canadian Dollar I will receive: $USD US Dollar

Non-cash rates as of

Non-cash rates apply to the conversion of paper and electronic instruments such as checks, drafts, wire transfers, and online banking transfers through RBC Bank (U.S.).

CAD <> USD exchange calculator

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 exchange Disclaimer 1

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 transfers Disclaimer 1

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 year Disclaimer 29

When you open an RBC Bank U.S. Direct Checking account and apply for a no annual fee RBC Bank U.S. credit card, Disclaimer 20 we'll waive your banking fees for the first year.

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Instant money transfers and foreign exchange Disclaimer 1

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 transfers Disclaimer 1

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 year Disclaimer 29

When you open an RBC Bank U.S. Direct Checking account and apply for a no annual fee RBC Bank U.S. credit card, Disclaimer 20 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 instantly Disclaimer 1

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 sea Disclaimer 4

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 fees Disclaimer 19

Swipe your U.S. credit card and forget about foreign exchange fees Disclaimer 3 – no need to travel with wads of cash. Pay your bills and credit card all online.

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Send money instantly Disclaimer 1

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 sea Disclaimer 4

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 fees Disclaimer 19

Swipe your U.S. credit card and forget about foreign exchange fees Disclaimer 3 – 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.

Send money instantly to the U.S. Disclaimer 1

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 person-to-person in the U.S.

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. Disclaimer 39 All you need is RBC Cross-Border Banking and a U.S. SIM card for your U.S. cell number.

Send money to Canada

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 off your American bills (and credit card)

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 online

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. Disclaimer 1 Take advantage of currency fluctuations and say goodbye to foreign transaction fees. Disclaimer 19

Earn rewards

Earn and redeem Avion Rewards

If the joys of unlimited free money transfers Disclaimer 1 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 spent Disclaimer 6 and redeem for unlimited 1.00% cash back, Disclaimer 24 travel, gift cards or merchandise. Free money transfers Disclaimer 1 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. Disclaimer 39 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. Disclaimer 1 Take advantage of currency fluctuations and say goodbye to foreign transaction fees. Disclaimer 19

Earn and redeem Avion Rewards

If the joys of unlimited free money transfers Disclaimer 1 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 spent Disclaimer 6 and redeem for unlimited 1.00% cash back, Disclaimer 24 travel, gift cards or merchandise. Free money transfers Disclaimer 1 and credit card rewards? Say no more.

Perks on perks on perks

Free, unlimited money transfers Disclaimer 1 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. Disclaimer 6

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, Disclaimer 39 then get 15% off all future shipments.

Build your own cross-border bundle

With free money transfers galore, a rewards credit card and one year of $0 monthly fee banking, Disclaimer 13 you'll be ready to conquer the beach, the slopes or the city. Join over 450,000 clients and take advantage of our free and instant money transfers. Just answer a few simple questions to build your very own cross-border banking bundle. We’ll suggest the best bank account and credit card based on your needs.

Debit transactions in the Day to Day Banking and U.S. personal accounts: RBC Virtual Visa debits, third-party payment debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Retirement Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking account or U.S. personal account are free of charge. All other debit transactions from these accounts are counted as debit transactions towards the free monthly debit transactions included in the account, and give rise to an Excess Debit Transaction Fee, if the total free monthly debit transactions are exceeded.

There is a limit of 999 free Interac e-Transfer transactions per month per account; for every Interac e-Transfer transaction over the limit, you will be charged $1. Interac e-Transfer transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

RBC received the J.D. Power Canada award for "Best in Customer Satisfaction" for its mobile banking app in the J.D. Power 2022 Canadian Banking Mobile App Satisfaction Study.

$0 introductory monthly maintenance fee for 12 months. After the introductory period, a monthly fee of $4 CAD will apply unless other conditions are met. Transaction limits apply.

$0 introductory monthly maintenance fee for 12 months with an eligible credit card. After the introductory period, an annual fee of $39.50 USD with eStatements or $59.50 USD with paper statements will apply. Transaction limits apply.

$0 introductory monthly maintenance fee for 12 months with an eligible credit card. After the introductory period, an annual fee of $39.50 USD with eStatements or $59.50 USD with paper statements will apply. Transaction limits apply.

0% introductory APR for 6 months. After the introductory period, the Annual Percentage Rate which is prime rate plus a margin between 9.99% and 16.74% based on your credit worthiness will apply. This APR will vary with the market based on the prime rate. Disclaimer 22

0% introductory APR for 6 months. After the introductory period, the Annual Percentage Rate which is prime rate plus a margin between 9.99% and 16.74% based on your credit worthiness will apply. This APR will vary with the market based on the prime rate. Disclaimer 22

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