International Transfers


It’s easier than ever to send money anywhere, anytime from the comfort of your home.

International Transfers allow you to send money from your personal chequing or savings account around the world in over 20 currencies. It’s easy, secure and conveniently available through your online banking and mobile banking app.

Features and Benefits

  • Convenient, 24/7 access You can access international money transfers through online banking anytime you want.
  • Advanced Security Your money is protected with secure, regulated encryption. Internal transfers also includes many other security features, including automated emails regarding account activity and monitoring for unusual transfers.
  • Guaranteed Transfer The amount sent is what is received directly from one bank account to another. No deductions are made to the transfer amount. International transfers also provide access to competitive real-time exchange rates.
  • Low Cost International transfers costs less than wire transfers and many other options in today’s market. For transfers greater than $500, there is no fee and for transfers less than $500, there is a small fee of $2.50 for most destinations.

How it works

Watch this quick video or follow the four easy steps below to learn how to access international transfers and how they work.

  1. Log into online banking and select Transfers and then International Transfers
  2. Compete your one-time registration. Remember to have your government-issued photo ID for verification.
  3. Add your recipient’s information so we know where to send your money.
  4. Review and confirm your international transfer.
  5. Execute transaction.
  6. Easy as that!

What can international transfers be used for?

International transfers can be used for a variety of purposes, including the following:

  • Buying an overseas property or holiday home abroad
  • Paying for overseas tuition fees for child or grandchild
  • Overseas investments
  • Sending money to friends or family who live overseas
  • Paying for accommodation/luxury holidays overseas
  • Supporting a family member who is travelling overseas
  • Overseas mortgage payments
  • Paying for work to be completed overseas
  • Paying for overseas medical expenses
  • Paying for bills overseas

Frequently asked questions:

Who can send an international transfer? Expand/Collapse

International transfers is available to CUA’s members that have a personal chequing or savings account, use online banking and have registered for the product.

How does it work? Expand/Collapse

Watch this quick step-by-step video to see how international transfers work.

    What do I need to get registered? Expand/Collapse

    To get started, you will need a personal chequing or savings account and access to online banking. To register, you will need a government-issued photo ID to upload, your recipient’s information (banking information, address, email) and you will need to provide your basic personal information and information about the way you will you use transfers (where you are planning to send funds, in which currency, for what purpose).

    If you wish to update any of your profile information after registration is complete, you can do so by calling International Transfer Support at 604-256-6200 between 10am-10pm AST.

    Where can I get support for international transfers? Expand/Collapse

    For support with international transfers, you have three options: 1. the Live Chat function, which can be accessed by clicking on a chat icon in the bottom right corner of the international transfers page; 2. call 604-256-6200 between 10am-10pm AST; or, 3. email support@internationaltransfers.ca.

    How do I update my personal information or add a new country destination? Expand/Collapse

    It’s easy—all you need to do is contact International Transfers Support (1-604-256-6200) between 10am -10pm AST. A representative from the international transfers support team will ask you a few questions to confirm your identity and will update your information in real-time. You are then ready to send your next transfer.

    When, where, and how often can I send international transfers? Expand/Collapse

    Anytime, anywhere, directly through your online banking. You can use the service as much as you like, immediately following registration and verification, provided the transfers are within your transfer limit and there are enough funds in the account.

    If you have questions about your transfer limit, please contact CUA’s Customer Contact Centre at 902.492.6500.

    When will my recipient receive the transfer? Expand/Collapse

    Transfers are delivered within two to five business days. You will receive an email notification when the funds are removed from your account and another notification when they are received by your recipient.

    Please note that there may be variations to the fee structure and settlement timelines for certain currencies, including INR(India); PHP(Philippines); HUF(Hungary); CZK(Czech); DKK(Denmark); THB(Thailand) currencies.

    Is my transfer secure? Expand/Collapse

    Your transfer is protected with AES 256-bit encryption, automated identity verification, anti-money laundering procedures, automated online checks, and advanced anti-fraud safeguards, all through a FINTRAC-regulated entity.

    How do I keep track of my transfer? Expand/Collapse

    Your transfer will appear in your transaction history in online banking in real-time, plus, you’ll receive an email notification when the transfer has left your account and when it arrives at the recipient’s account.

    What are the exchange rates? Expand/Collapse

    This service offers real-time pricing which means you get the real exchange rate when you are making the transfer. The pricing will appear on the screen as it is being completed.

    Is my transfer amount guaranteed? Expand/Collapse

    Yes, what is sent is what is received. There are no deductions.

    Are there any fees for international transfers? Expand/Collapse

    International transfers costs less than wire transfers and many other options in today’s market. For transfers greater than $500, there is no fee and for transfers less than $500, there is a small fee of $2.50 for most destinations. Once the transfer is complete, your account will be debited the amount you want to send plus exchange and the applicable fee.

    Please note that there may be variations to the fee structure and settlement timelines for INR(India); PHP(Philippines); HUF(Hungary); CZK(Czech); DKK(Denmark); THB(Thailand) currencies

    Can I use this service to transfer funds between my CAD account and my USD account in Canada? Expand/Collapse

    Yes. International transfers can be used to exchange currency between your CAD account and your USD account here in Canada. This process will take two business days to complete.

    Where can I send money? Expand/Collapse

    You can send money in more than 20 currencies worldwide, consisting of the following:

    • Australian Dollar (AUD)*
    • Euro (EUR)*
    • US Dollar (USD)*
    • New Zealand Dollar (NZD)*
    • Singapore Dollar (SGD)*
    • Swedish Krona (SEK)*
    • Swiss Franc (CHF)*
    • Japanese Yen (JPY)*
    • Mexican Peso (MXN)*
    • Norwegian Krone (NOK)*
    • UK Sterling (GBP)*
    • South African Rand (ZAR)*
    • Polish Zloty (PLN)*
    • Turkish Lira (TRY)
    • Indian Rupee (INR)
    • Hong Kong Dollar (HKD)*
    • Philippino Peso (PHP)
    • Hungarian Forint (HUF)
    • Czech Koruna (CZK)
    • Thailand Baht (฿)

    *Most common currencies

    There may be variations to the fee structure and settlement timelines for INR(India); PHP(Philippines); HUF(Hungary); CZK(Czech); DKK(Denmark); THB(Thailand) currencies.