Send money to United Kingdom
Compare the top providers that can help you transfer money to United Kingdom based on speed, fees and exchange rates
We want to find the best deal for you. So, although we may receive a referral fee if you choose one of these providers, it won't affect the ranking of the provider, the exchange rates or any fees you are charged. Our results are sorted in order of cheapest to most expensive cost to you. Learn more.
Currently best for | Provider | Details |
---|---|---|
Cheapest cost | Wise | $49.56 CAD |
Best exchange rate | Wise | 1 CAD = 0.5590GBP |
Fastest transfer | Wise | Instant-2 Days |
Best rated | Currencies Direct | Trustpilot rating: 4.9 |
You can send money to United Kingdom with a bank, or you can choose an international money transfer service provider. Often international money transfer providers offer a fast, efficient and cheap way to send money from Canada to United Kingdom.
Money transfer providers compared: 7 providers
Money transfer companies included: Wise, XE, CurrencyFair, OFX, TorFX, Currencies Direct, Remitly
Why compare sending money to United Kingdom with us
Best ways to send money to United Kingdom
Direct Debit
You can pay for your international money transfer using a direct debit if you choose a digital specialist service, which you can access online or in an app. When you send a direct debit, you’ll move the money from your bank account in your home currency, to the money transfer company. The funds will then be converted to the currency you need for deposit and passed on to your recipient’s bank. Direct debits may be made as one off payments, or as regular transfers.
Pros of using Direct Debit to send funds to United Kingdom
If you’re able to make regular direct debits from your bank to your preferred money transfer service, this is a good option for paying ongoing bills, such as an overseas mortgage. You can also send a one off payment if you need to. Direct debits are usually cheap or even free to set up - check the details with your bank.
Cons of using Direct Debit to send funds to United Kingdom
Direct debits aren’t necessarily the fastest way to send a payment so this may not be your best choice if you’re in a hurry. Using a card may be faster if time is of the essence. You’ll also need to make sure your account has sufficient funds if you schedule an ongoing payment - or you may end up going into your overdraft.
Providers which may support Direct Debit payments to United Kingdom
- Wise
- OFX
- Remitly
- Western Union
- World Remit
- MoneyGram
- Ria
Bank Transfer
Most international money transfer services let you pay for your international transfer right from your normal bank account. You’ll be able to set up a bank transfer as you would normally - online, by phone or in a branch, for example. Your money is then sent to the money transfer service to be converted and deposited in your recipient’s account. If you’re sending your money to the transfer service in your home currency, your bank transfer may be cheap or free, depending on your specific bank’s policy.
Pros of using Bank Transfer to send funds to United Kingdom
Paying for your overseas transfer using a bank transfer is very convenient as you’ll usually be able to set everything up online or in your mobile banking service. Many banks offer same currency transfers for free or for a very low fee, which can also make this a cost effective option.
Cons of using Bank Transfer to send funds to United Kingdom
Bank transfers are usually easy, cheap and reliable - but they may not be all that fast. Check the delivery expectations with your bank if you’re in a hurry. If you’re sending a high value payment, your bank may also require you to send in extra documents or visit a branch in person to process your transfer.
Providers which may support Bank Transfer payments to United Kingdom
- Wise
- OFX
- Remitly
- Western Union
- World Remit
- MoneyGram
- Ria
Swift Transfer
You may decide to pay for your overseas transfer using Swift if you’re paying the provider in a currency that’s different to your home currency. The Swift network is primarily used when sending money from one country or currency to another. Swift payments can usually be set up in your online banking, but they may take a few days to arrive with your preferred payment provider. Fees can also be relatively high depending on the situation.
Pros of using Swift Transfer to send funds to United Kingdom
Paying for your transfer with Swift is a reliable way to go if you need to send money to a provider in a currency that’s not the same as your bank account. Banks usually offer several different ways to arrange a Swift payment, including online and mobile options.
Cons of using Swift Transfer to send funds to United Kingdom
Swift payments may pass through several intermediaries before they arrive with your money transfer service - this can also mean you pay unexpected fees. Transfer times are not always very fast, depending on the countries and currencies involved, and costs can be pretty steep overall.
Providers which may support Swift Transfer payments to United Kingdom
- Wise
- OFX
Debit Card
Many international money transfer providers offer the option to fund your payment using your debit card. This is fast and convenient, and the funds are immediately deducted from your linked bank account. Generally you won’t need to pay a fee to send money to your money transfer provider with a debit card as long as there’s no currency conversion required.
Pros of using Debit Card to send funds to United Kingdom
One of the fastest ways to get your money to the international money transfer provider you’ve decided to use. Debit card payments in the same currency are usually free, and as the money is deducted from your account instantly there’s no interest to pay.
Cons of using Debit Card to send funds to United Kingdom
Not all providers can support debit card payments, so check availability based on the provider you want to use. Debit cards don’t usually come with the same perks as a credit card does, like ways to earn rewards and points as you spend.
Providers which may support Debit Card payments to United Kingdom
- Wise
- OFX
- Remitly
- Western Union
- World Remit
- MoneyGram
- Ria
Credit Card
If you need to spread the costs of your overseas payment out over a few months, you may want to pay with a credit card. This is available from many international money transfer services, although fees may be pretty high overall. As well as paying an extra fee to your transfer provider, your own card may charge you a cash advance fee. Transfers are usually very fast when you pay with a card.
Pros of using Credit Card to send funds to United Kingdom
Can be a very quick way to get your money to the money transfer provider you’ve selected. You won’t need to have the funds in advance which can make this a good option in an emergency or if you need to pay for your transfer over an extended period of time.
Cons of using Credit Card to send funds to United Kingdom
Credit card providers usually charge a cash advance fee and immediate interest when you use a card for an overseas payment. This can push up the costs significantly. Provider fees are also usually pretty high for processing credit card payments - compare your options carefully before you decide.
Providers which may support Credit Card payments to United Kingdom
- Wise
- Remitly
- Western Union
- World Remit
- MoneyGram
- Ria
Google Pay
If you use Google Pay for day to day payments it can also be a very handy option to pay your money transfer service. Google Pay will be connected to your preferred debit or credit card, and the funds will be taken from there when you select this transfer option. However, with Google Pay there’s no need to enter all of your card details to initiate the transfer, making this fast and easy.
Pros of using Google Pay to send funds to United Kingdom
Fast and easy if you already have Google Pay set up on your phone. If the card you use to pay offers rewards you can still get these when you pay through the Google Pay wallet.
Cons of using Google Pay to send funds to United Kingdom
Any fees which apply to card use will still apply when you use Google Pay - including credit card cash advance fees for example. Not all providers can support payments through wallets like Google Pay.
Providers which may support Google Pay payments to United Kingdom
- Wise
Apple Pay
Apple Pay offers a simple and super fast way to make digital payments. This can make it a good way to pay for your international transfer if you want to use a card without the hassle of entering all your details. If the provider offers Apple Pay as a payment method you can simply select it when you’re setting up your transfer, and then initiate the payment using your phone’s normal security method, like a fingerprint or PIN.
Pros of using Apple Pay to send funds to United Kingdom
Extremely easy to use - you don’t even need your card on you. As many money transfer services operate through apps this can be the best way to pay if you’re setting up your payment on the move with just your smart device. Apple Pay does not charge you fees - although your card provider may.
Cons of using Apple Pay to send funds to United Kingdom
As with any Apple Pay payment, the card you use may make a difference to the amount you pay in the end. If your card charges a cash advance fee for example, this will still apply.
Providers which may support Apple Pay payments to United Kingdom
- Wise
Cash
If you prefer to arrange your payment overseas and pay in cash you can do so with a money transfer provider which has a physical branch office or agent close to your home. Some large money transfer services have hundreds of thousands of agents worldwide, which means it can be pretty simple to find a location to visit. Once there you can get help face to face and then pay for your transfer in cash.
Pros of using Cash to send funds to United Kingdom
Your payment can usually be processed extremely quickly as there’s no need to wait for a bank transfer to settle. If you're not quite sure what service you need, getting face to face help at an agent can be reassuring.
Cons of using Cash to send funds to United Kingdom
Because of the labor involved this can often be one of the most expensive ways to pay to send money to [country]. You’ll also need to take into account the time (and hassle) it takes to go and visit an agent in person.
Providers which may support Cash payments to United Kingdom
- Western Union
- MoneyGram
- Ria
How to Send Money to United Kingdom
The good news is that sending money to United Kingdom is quick and easy. Plus you can usually do everything with your phone or laptop - with no need to stand in line at a bank or money changer’s office. Here’s how to send money to United Kingdom 3 simple steps:
- 1Enter the Amount
Enter the amount of money you want to transfer into our comparison tool. Pick the currency you want to send to and from, using the drop down boxes. You’ll see a range of options from reliable providers, so you can compare and pick the best for your specific transfer. - 2Compare Rates and Services
Use our transparent comparison tool to find the best rates for your transfer. You’ll be able to compare important features such as transfer speed, total costs, amount received and customer reviews. In particular, be sure to check the exchange rates and fees, as these can vary between providers and payment methods. Costs may also vary depending on how you want to pay. - 3Sign Up and Send Money
Choose and sign up with the provider, enter the recipient’s details and complete the transaction securely. Your money will be on the move and you can track your transfer in the provider’s app.
You can send money from Canada to United Kingdom using your bank, a specialist money transfer service, an e-wallet, or by visiting a physical money remittance store. Each option has different pros and cons, so the best for you will depend on your specific transfer and personal requirements.
For more information on how to send money to United Kingdom check out our How to FAQs.
What is the cheapest way to send money to United Kingdom?
Cheapest provider | Total cost | Details |
---|---|---|
Wise | $49.56 CAD | CAD/GBP exchange rate: 0.5590 |
XE | $59.25 CAD | CAD/GBP exchange rate: 0.5557 |
CurrencyFair | $68.96 CAD | CAD/GBP exchange rate: 0.5554 |
OFX | $75.34 CAD | CAD/GBP exchange rate: 0.5548 |
TorFX | $89.7 CAD | CAD/GBP exchange rate 0.5540 |
Wise, the cheapest option, has a Canadian Dollar/Pound Sterling exchange rate of 0.5590 and a fee of 49.56 CAD.
This would save you 113.71 CAD compared to Remitly, who has a fee of 163.27 CAD.
You'll want to pay attention to both the upfront fee the provider shows you as well as the Canadian Dollar/Pound Sterling exchange rate.
Often providers will claim to be a cheap global money transfer provider, with low, or even no fees, but in reality they're hidden within the exchange rate. Right now, Canadian Dollar/Pound Sterling interbank rate is 0.55898. Whenever you compare fees for transferring money to United Kingdom, it can pay off to look at the exchange rate they offer.
Finding alternative ways to transfer money to United Kingdom shouldn't be hard, we've put together a list of cheap ways to send money to United Kingdom to help you with your search.
For example, most traditional banks add a hidden markup to the exchange rate they offer you. If 1 CAD is 0.55898 GBP, your bank can add a 3% exchange rate markup and give you a rate of $ 1 = 0.57575 £
What is the fastest way to send money to United Kingdom?
Fastest provider | Time | Details |
---|---|---|
Wise | Instant-2 Days | Wise is the fastest way to send money to United Kingdom |
Remitly | 0-2 Days | Remitly is the 2nd fastest provider to send money to United Kingdom |
OFX | 1-3 Days | OFX is the 3rd fastest provider to send money to United Kingdom |
CurrencyFair | 1-3 Days | CurrencyFair is the 4th fastest provider to send money to United Kingdom |
TorFX | 2-3 Days | TorFX is the 5th fastest provider to send money to United Kingdom |
Typically sending money to United Kingdom will be much faster using a money transfer company compared to a bank that can take 3-5 working days. That’s because banks usually process international money transfers through the SWIFT network. This system involves passing a payment through several intermediaries, which slows the process down. Money transfer companies have often built their own networks to process payments faster - which can even mean your money is deposited instantly into your recipient’s account.
The fastest provider in our table to transfer money to United Kingdom is Wise - Instant-2 Days.
Learn more about instant ways to transfer money overseas here.
Who is the best rated provider to transfer money to United Kingdom from Canada?
Of the 7 providers we found for transferring money to United Kingdom, here's how the top 5 stack up in terms of number of reviews and average score based on TrustPilot:
Best rated provider | Star rating | Rating | No. of reviews |
---|---|---|---|
Currencies Direct | 4.9 | Excellent | 16412 |
TorFX | 4.9 | Excellent | 3270 |
Remitly | 4.6 | Excellent | 73356 |
OFX | 4.3 | Excellent | 10409 |
XE | 4.3 | Excellent | 76020 |
Is it safe to send money from Canada to United Kingdom?
Choosing an international money transfer service can feel like a risk. However, our comparison tool will only ever recommend secure providers which operate within the law in any part of the world they’re in.
When you’re looking for the safest ways to send money to United Kingdom from Canada you’ll usually want to look out for providers which are registered with and operate under the FCA. In some cases operators may also be regulated by the PRA. And if you’re sending money with your bank, you may also read about the FSCS. Too many acronyms? Let’s look at what they mean.
FCA - Financial Conduct Authority - almost all financial activities have to be authorised by the FCA. The FCA's job is to regulate and oversee financial activities to make sure standards are upheld and financial businesses are trading safely and legally.
PRA - Prudential Regulation Authority - the PRA exists to make sure banks, building societies, insurance companies and other similar financial institutions are being managed safely, to control risk and keep customer money safe.
FSCS - Financial Services Compensation Scheme - the FSCS protects customers when their bank, insurer or other eligible financial service company fails. You may be able to get compensation through the FSCS to make sure you don't lose out if your bank goes bankrupt or runs into other financial difficulties.
Compare money transfer services to United Kingdom
Wise: Send Money from Canada to United Kingdom
Wise offers online and in-app money transfer services to United Kingdom and 80+ other destinations around the world. You'll get the mid-market exchange rate to convert your Canadian Dollar, with fast transfer times. In fact, 50% of Wise transfers are instant*, and 90% get there in under 24 hours.
- Mid-market exchange rates and low fees from 0.41%
- Send money abroad quickly - transfers can even be instant
- Send in 50 currencies to 70 countries
- No cash payment options
- No branch network
How much does it cost to send money to United Kingdom with Wise?
- Transfer fees: Send money from 0.41%
- Exchange rates: Mid-market exchange rate
- Additional fees: Transfer fees vary based on destination and how you choose to pay
XE: Send Money from Canada to United Kingdom
You can send money online and in-app with XE from Canada, to over 104 countries. Transfer times vary based on how you choose to pay and the country you’re sending to, and XE exchange rates can include a lower markup compared to a regular bank.
- Send to a broad range of countries from Canada
- Pay for transfers with a bank transfer or card
- XE is a trusted way to send money safely overseas
- Exchange rates include a small markup
- Fees and delivery times vary based on destination and payment type
How much does it cost to send money to United Kingdom with XE?
- Transfer fees: Fees vary based on how you choose to pay, and the currencies involved
- Exchange rates: Exchange rates include a small markup
- Additional fees: Fees vary based on how you choose to pay, and the currencies involved
CurrencyFair: Send Money from Canada to United Kingdom
CurrencyFair can be a cheap international money transfer service with quick delivery times on many currency routes. There’s a low, flat fee per transfer, and you could also find you get a better exchange rate compared to your regular bank.
- Send in 15 currencies
- Low transfer fees
- Many currencies can be delivered on the same day, or within 1 working day
- Exchange rates include a markup
- Pay in Canadian Dollar by bank transfer only, no card option
How much does it cost to send money to United Kingdom with CurrencyFair?
- Transfer fees: 68.96 CAD
- Exchange rates: Exchange rates include a markup
- Additional fees: Third party fees may apply depending on how you set up your transfer
OFX: Send Money from Canada to United Kingdom
OFX is a currency specialist which offers quick international transfers and currency risk management solutions for individuals and businesses. You can send payments with OFX online and in-app, or access a 24/7 phone service if you’d rather talk your transfer through.
- Arrange your payment online, in app or by phone
- Access other currency services including currency risk management solutions
- Broad range of supported countries and currencies
- Exchange rates include a markup
- Minimum transfer amount 1000 USD
How much does it cost to send money to United Kingdom with OFX?
- Transfer fees: No transfer fee from Canada
- Exchange rates: Exchange rates include a markup
- Additional fees: Third party fees may apply
TorFX: Send Money from Canada to United Kingdom
TorFX can help you make a safe bank transfer overseas in 24 currencies. Services are available online, in app, and by phone. TorFX offers instant transfers, regular payments and currency risk management products.
- Send in 24 currencies
- Pay by card or bank transfer
- Talk your transfer through by phone if you’d like to
- Exchange rates include a markup
- No cash pay in or pay out options
How much does it cost to send money to United Kingdom with TorFX?
- Transfer fees: No transfer fee
- Exchange rates: Exchange rates include a markup
- Additional fees: Third party fees may apply
Currencies Direct: Send Money from Canada to United Kingdom
Currencies Direct can be a good way to send money internationally online, and also offers a phone support service for people who prefer to talk through their options in advance. Currencies Direct has a few extra services, too, including rate alerts that can help you check the rate before you transfer money.
- No transfer fee for most services
- Set rate alerts so you can send when the time is right
- Talk your payment through by phone if you need to
- Exchange rates include a markup
- No cash payout options
How much does it cost to send money to United Kingdom with Currencies Direct?
- Transfer fees: No transfer fee for most services
- Exchange rates: Exchange rates include a markup
- Additional fees: Third party fees may apply
Remitly: Send Money from Canada to United Kingdom
Remitly international money transfers from Canada can be made in 137. You might find Remitly is one of the cheapest ways to transfer money internationally, particularly if you benefit from a new customer promotion.
- Send in a large selection of currencies
- New customer promotions available which can mean better rates and lower fees
- Large selection of payout options including cash collection
- You can’t pay for your transfer in cash
- Exchange rates may include a markup
How much does it cost to send money to United Kingdom with Remitly?
- Transfer fees: Fees vary based on how you choose to pay, and the currencies involved
- Exchange rates: Exchange rates may include a small markup, promotional rates available for new customers
- Additional fees: Fees vary based on how you choose to pay, and the currencies involved
Ways to fund your money transfer to United Kingdom
Different money transfer services offer different options to fund your international money transfer. Luckily, you have plenty to choose from.
Typically bank transfer is the cheapest payment method, which is why it’s the method we use to compare providers on Exiap. Let's take a look at a few payment options for sending money from Canada to United Kingdom with these providers:
Best app to send money to United Kingdom
Provider | Website | ![]() | ![]() |
---|---|---|---|
Wise | ✅ | ✅ | ✅ |
XE | ✅ | ✅ | ✅ |
Remitly | ✅ | ✅ | ✅ |
OFX | ✅ | ✅ | ✅ |
TorFX | ✅ | ✅ | ✅ |
Currencies Direct | ✅ | ✅ | ✅ |
CurrencyFair | ✅ | ✅ | ✅ |
Conclusion
When it comes to choosing the best provider for sending money to United Kingdom from Canada, it really depends on what your needs are.
The cheapest provider shown in our comparison table is Wise. If the transfer time is what you're interested in, then Wise is also the fastest to transfer money to United Kingdom. Wise can get your money to your recipient to United Kingdom in Instant-2 Days.
If safety is what interests you the most when it comes to picking the best international money transfer provider to United Kingdom, then all the providers we listed above are regulated by different financial institutions and should be safe to send money to United Kingdom with.
FAQs about how to send money from Canada to United Kingdom
You've got a few key options if you need to send money to United Kingdom:
Bank transfer to United Kingdom - most banks will let you send money internationally online, by visiting a branch or by phone. Payments to GBP will be sent directly from your bank account to your recipient's local bank account in your chosen currency.
Walk into a branch - several specialist money transmitter services operate through large branch and agent networks, so you can visit a physical store and make your GBP payment in cash if you want to.
Send money online to United Kingdom - if you'd rather make your CAD/GBP payment online or using your smartphone, you can choose your own bank's online banking service, or an international payment specialist. Specialist services can often offer better exchange rates and lower fees than banks.
Cash pickup - sending a payment for cash pickup can often be the fastest way to get your money into your recipient's hands. It's also usually one of the most expensive because it's being prioritized and can even be instant.
Sending money to another bank account in United Kingdom is often the most convenient option - both for you, and your recipient. Your recipient doesn't need to take any action to receive the money, it just lands in the nominated account in the currency you choose, and can be spent or withdrawn easily.
If you're sending money from a bank account in United Kingdom to a bank account in United Kingdom, choosing a specialist provider can be the cheapest and fastest way to make your payment. Different providers have their own processes for arranging payments - but the steps you'll take are usually roughly the same:
1. Create an account Register a new account with your preferred service, by entering your contact details and some basic information. You may even be able to do this using Facebook or Google for convenience.
2. Verify Depending on the type of payment you're making, you may need to verify your account by uploading an image of your ID documents. This step helps keep your money safe, and is often a legal requirement.
3. Top up Add money to your account in dollars, using a bank transfer or card payment.
4. Add recipient details and send Once you're ready to send a payment, add your recipient's personal and bank account details, check the exchange rate and fee applied to your payment, and confirm. That's it - your money will now be sent, and you can track its progress online or in your provider's app.
The details you'll need to send money internationally from Canada to United Kingdom may vary by provider, and based on the value of the transfer. At a minimum, whenever you make an international bank transfer you will typically be asked for:
- Sort code
- Account number
You can't send money to United Kingdom from Canada for free. International transfers cost providers money to arrange, so there's always a fee somewhere to make sure that the business covers its costs and generates profit. However, many providers choose to make the fees you pay trickier to spot by adding them into the exchange rates used for transfers.
There is no official best time to send money from Canada to United Kingdom and that depends on a variety of factors such as when you need to send money or when you want the funds to be received. It’s also going to depend on a variety of other factors such as, the time when you send money or the fees you are offered by providers or banks.
When you’re sending a high value payment it’s especially important to do your research and find a provider which is safe and which offers low fees and great exchange rates. It’s also well worth comparing some providers based on transfer times, as the delivery time can also vary pretty widely.
Some international money transfer services offer discounts for high value transfers, either through lower fees or a better exchange rate. Use the Exiap cost comparison calculator to make sure you’re getting the very best deal available for your specific transfer.
While sending a high value payment works very similarly to sending any other transfer overseas, the provider may require additional information to verify the payment. You might be asked to prove the source of the funds, for example, to comply with local and international financial services legislation. If you’re sending a large amount of money you’ll also need to make sure the provider you’ve picked can support the amount, as maximum payment limits may apply.
Here’s how to send a large sum of money internationally with a specialist international money transfer service:
- Create an account
Register a new account with your preferred service - Verify
Verify your account by uploading an image of your ID documents - Add the transfer information
Including the value and currency - Add recipient details
Add your recipient's personal and bank account details - Fund your payment
Make a local bank transfer, use your card or pick another supported payment method. Your money will be on the move as soon as it's been received by the provider.
To send money to United Kingdom using one of the international money transfer providers in our tables, the fees range from 49.56 CAD with Wise to 163.27 CAD with Remitly (but the fee could be even higher with a bank). The exact cost depends a lot on where you’re sending money, how much you’re sending, how you want to pay, and how you want the payment to be received.
Typically sending money directly to a recipient’s bank account using a specialist service can be done with fairly low costs, while traditional bank transfer fees can be higher. Paying for your transfer with either a credit card or cash can often mean the fees crank up, too.
When you’re sending money internationally, don’t forget that the overall fee you pay can include the transfer fee, an extra charge wrapped up in the exchange rate used, and third party charges like a cash advance fee from your credit card issuer.
There is no legal limit on how much money can be sent to or from Canada, although banks and other payment providers may impose their own limits.
Money transfer limits can vary quite widely between providers, and may also change depending on how you want to fund your transfer. You could find different limits in place when you pay by card compared to paying using a bank transfer, for example.
The best rate available to send money to United Kingdom will usually be the mid-market exchange rate. The mid-market exchange rate is the rate used when banks buy and sell currencies on global markets.
However, this rate isn’t always available to individual customers sending money abroad. Instead, providers often add a markup - an extra fee - to the exchange rate they offer customers. This pushes up the costs and makes it harder to see exactly what you’re paying for your international bank transfer.
A provider which uses the mid-market rate for international transfers from Canada to United Kingdom is Wise. Right now, the mid-market rate for a Canadian Dollar to Pound Sterling is 0.55898.
The length of time it takes to transfer money to United Kingdom depends on a variety of factors including the provider you use, how you’re paying, and how you want your recipient to get the money in the end.
From the providers that we display, the fastest international money transfer provider to United Kingdom is Wise, which can deliver the money to your recipient in United Kingdom in Instant-2 Days. The slowest provider to send CAD - GBP is Currencies Direct, which takes 2 Days to send money to United Kingdom.