Does a larger payment guarantee a better rate?
A volume discount depends on the provider’s conditions. Check its eligible volume, currency and period, then use the final quote. Do not split payments to avoid verification requirements.
Canada · CAD
Large international transfers from Canada
Review eligible monthly volume discounts, bank limits, documentation and currency risk without promising any specific execution price.
What should you check before sending a large amount?
Review eligible monthly volume discounts, bank limits, documentation and currency risk without promising any specific execution price.
Interac e-Transfer, direct debit and bank funding can have different prices. A Canadian bank may have separate outward wire charges.
How to compare
| Decision | What to compare |
|---|---|
| 10,000 CAD | Illustration: a 0.5% cost difference equals 50 CAD |
| 50,000 CAD | Illustration: a 0.5% cost difference equals 250 CAD |
| 100,000 CAD | Illustration: a 0.5% cost difference equals 500 CAD |
Small percentages become meaningful amounts
The table shows hypothetical cost differences, not advertised Wise fees or a savings promise. For a large payment, compare the net recipient amount and every bank charge using a quote for the full amount.
Prepare funding and documents
Check your bank’s daily sending limit, the recipient’s details and the documents the provider requests. Allow time for verification before a property, tuition or other deadline.
Compare the quote you can execute
A volume discount depends on the provider’s conditions. Check its eligible volume, currency and period, then use the final quote. Do not split payments to avoid verification requirements.
Frequently asked questions
When will the money arrive?
Use the delivery estimate for the actual quote and funding method. Bank processing, weekends and required checks can change the arrival time; the exchange-rate calculation alone cannot predict it.
What else should I check before sending?
Check your bank’s daily sending limit, the recipient’s details and the documents the provider requests. Allow time for verification before a property, tuition or other deadline.
Official sources
Prices and eligibility depend on the transfer amount, currency pair and funding method. Confirm the current checkout price on Wise.