International Money Guide

Canada · CAD

Pay international contractors from Canada

Agree the invoice currency, control recipient changes and record the exact net payment for each contractor.

How do you pay overseas freelancers reliably?

Agree the invoice currency, control recipient changes and record the exact net payment for each contractor.

Interac e-Transfer, direct debit and bank funding can have different prices. A Canadian bank may have separate outward wire charges.

How to compare

DecisionWhat to compare
Account setupGetting Wise Business account details currently carries a 55 CAD one-time fee. Registration and individual transfers are separate.
Payment costSending fee, conversion and any receiving charge per invoice
OperationsApproval roles, recipient verification and reconciliation

Separate account costs from payment costs

Getting Wise Business account details currently carries a 55 CAD one-time fee. Registration and individual transfers are separate. A one-time account charge is not a transfer quote. Check conversion, sending and receiving charges for each payment.

Agree the invoice currency and net amount

Confirm whether the invoice is in CAD or the recipient’s currency, and who covers bank charges. Use an exact recipient amount when an invoice must be settled in full, subject to route availability.

Build checks into repeat payments

Verify changed bank details through a trusted channel, separate preparation from approval where appropriate, and keep invoice references with payment confirmations. A payment service does not determine a contractor’s employment or tax status.

Frequently asked questions

Does the account fee include transfers?

Getting Wise Business account details currently carries a 55 CAD one-time fee. Registration and individual transfers are separate. A one-time account charge is not a transfer quote. Check conversion, sending and receiving charges for each payment.

How do I pay an invoice in full?

Confirm whether the invoice is in CAD or the recipient’s currency, and who covers bank charges. Use an exact recipient amount when an invoice must be settled in full, subject to route availability.

What else should I check before sending?

Verify changed bank details through a trusted channel, separate preparation from approval where appropriate, and keep invoice references with payment confirmations. A payment service does not determine a contractor’s employment or tax status.

Official sources

Prices and eligibility depend on the transfer amount, currency pair and funding method. Confirm the current checkout price on Wise.

  1. Official Wise Business pricing
  2. How Wise calculates sending fees

· Methodology