CanadaCADCanadian Dollar
IT specialists in Toronto, students in Montreal, entrepreneurs with partners in Vancouver - ATM24 transfers CAD to account or card via SWIFT. Bank details for Canada are non-standard: institution number + transit number + account number; IBAN is not used. Commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
IT specialists who have moved to Toronto and Vancouver, students in Montreal and Ottawa, as well as entrepreneurs with business or partners in Canada are the main customer segments sending money through ATM24. The Russian-speaking diaspora in Canada exceeds 500,000 people, so demand for regular transfers from Russia remains stable. Canada is not part of SEPA and does not use IBAN format: for bank credit, the institution number of 3 digits, transit number of the branch of 5 digits, and recipient account number of 7–12 digits are typically required. Transfers from Russia in CAD are made through available SWIFT routes; in some cases, payment may be processed through a USD correspondent with subsequent conversion and CAD credit to the recipient's account.
Interac e-Transfer is one of the main fast transfer systems within Canada; however, it is not used for direct money transfers from Russia. Transfers within Canada through available domestic channels are credited within minutes. SWIFT transfer takes approximately 4 to 7 business days after confirmation of the ATM24 request. TD Bank and RBC work with international SWIFT transfers; however, acceptance of payments related to Russia depends on the route and compliance check. BMO and Scotiabank also accept international SWIFT transfers, but for amounts of 5,000 CAD or more may request an accompanying letter or transfer documentation. It is important for the recipient to provide bank details in the correct format: institution number, transit number, and bank account number, as an error in the digit order may delay credit.
Canada's payment ecosystem: banks, cards, and international transfers. Country — Canada. Receiving currency — CAD (Canadian dollar). Sending currency — RUB, USDT, and other available currencies. Transfer method — Visa and Mastercard bank cards, bank account, or CAD cash. ATM24 commission — from 0.9%. Response to request — within 15 minutes.
Canada's payment ecosystem: main payment systems and services. Interac e-Transfer — one of the main fast P2P transfer systems within Canada by email or phone number; not used directly for sending money from Russia. Wise Canada — a popular international financial service with Canadian bank details, including transit number and account number, for receiving and sending transfers. PayPal Canada is widely used for P2P payments, online purchases, and small business settlements; however, transactions related to Russia are restricted. Real-Time Rail (RTR) — a new instant payment system from Payments Canada, designed for 24/7/365 transfers; system launch is scheduled for Q4 2026. FINTRAC — Canada's Financial Transactions and Reports Analysis Centre: international electronic transfers of 10,000 CAD or more, including the aggregate of related transactions within 24 hours, are subject to mandatory reporting by financial organizations. Banks in Canada typically operate Monday–Friday from approximately 9:30 AM to 5:00 PM local time; some major branches may operate until 6:00 PM, Saturday hours are reduced, and most branches are closed on Sunday. SWIFT transfers from RUB to CAD may be processed through a USD correspondent with subsequent conversion to Canadian dollars.
Visa and Mastercard from TD Bank, RBC, BMO, Scotiabank, CIBC and other Canadian banks. You need 16 card digits and the recipient's full name in Latin characters exactly as in documents. TD Bank and RBC credit predictably; for amounts of 5,000 CAD or more, BMO may request an accompanying letter
Bank account at TD, RBC, BMO, Scotiabank, CIBC or another Canadian bank. You need: bank institution number (3 digits) + branch transit number (5 digits) + account number (7-12 digits). Canada does not use IBAN; Wise Canada provides local details in the same format — a convenient alternative
We issue CAD in major Canadian cities - check pickup locations with your manager. Recipient comes with a passport and the ATM24 pickup code. Cash credit — within minutes after request confirmation
For transfers to Canada, ATM24 uses a SWIFT correspondent network that works with leading Canadian banks. Before sending, a manager verifies the route and locks the RUB/CAD exchange rate. If the recipient does not have an account at a Canadian bank, CAD cash can be delivered through our partner network in major cities.
We accept RUB, USD, EUR and USDT — we pay out in CAD
RUB CAD
0.01474per 1 RUB
10 000 ₽ = 147 CADUSD CAD
1.32per 1 USD
100 $ = 132 CADEUR CAD
1.5per 1 EUR
100 € = 150 CADUSDT CAD
1.32per 1 USDT
100 USDT = 132 CAD| You send | Payout in CAD |
|---|---|
| 100 USDT | 132 CAD |
| 300 USDT | 397 CAD |
| 500 USDT | 661 CAD |
| 1 000 USDT | 1 322 CAD |
| 5 000 USDT | 6 609 CAD |
Where recipients usually get the money in Canada
Royal Bank of Canada RBC — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
TD Bank Group — a financial group or banking holding company whose services may include banking, payments, and corporate accounts.
Type: Commercial; SWIFT Reception: Accepts; Features: SWIFT code NOSCCATT; international bank with extensive network
Bank of Montreal BMO — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Type: Commercial; SWIFT Reception: Accepts; Features: SWIFT code CIBCCATT; Canadian Imperial Bank of Commerce; popular with diaspora
National currency
The national currency is the Canadian dollar (CAD) with a floating exchange rate; transfers from RUB to CAD may be processed through a USD correspondent with subsequent conversion.
Card systems
Interac e-Transfer — Canada's internal fast transfer system available to customers of participating banks and financial organizations with a Canadian account.
Payment applications
International electronic transfers of 10,000 CAD or more are subject to mandatory reporting to FINTRAC by financial organizations.
Interbank transfers
ACSS (Automated Clearing Settlement System) processes the majority of interbank transfers. Lynx is an RTGS system for large payments. Interac e-Transfer provides instant transfers between individuals within Canada by phone number or email.
Financial regulator
The banking sector is overseen by the Office of the Superintendent of Financial Institutions (OSFI), while FINTRAC is responsible for financial intelligence and AML/CFT compliance.
Features for ATM24
IBAN format is not used in Canada: for credit, Institution Number of 3 digits, Branch Transit Number of 5 digits, and Account Number of 7–12 digits are typically required.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Trustpilot
Fast and convenient exchange, great rate, Emil guided me step by step to the ATM with the money. Overall I recommend it if you need local cash at a good rate. Risk is minimal.
Read full reviewFast exchanger, exchanged noncash rubles for baht. Special thanks to Emil, everything was quick and precise
Read full reviewManager Emil got in touch immediately after we sent the request, was constantly available and told us what to do. The money was delivered quickly, everything honest, they literally saved us from hunger in Pattaya. If, God forbid, you, like us, are left without a penny of foreign currency and only have rubles on a card — definitely contact them, the rate is reasonable and they work promptly. I recommend!
Read full reviewEverything works great, many thanks to Sofya for her promptness!)
Read full reviewTrustpilot
Convenient, clear, fast, reliable. Thanks to manager Ekaterina and the courier.
Read full reviewFast, safe, clear. We exchanged money in Bali. Transferred from a Russian card — received cash in the local currency. Thanks to manager Stanislav!)
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Answers to popular questions about sending money to Canada through ATM24
To send money to Canada with payout in CAD through ATM24, start with the recipient's exact route for the Canada CAD payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as RBC. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
In Canada, a CAD transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Canada CAD payout route through a bank such as Scotiabank or Toronto-Dominion Bank and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
For bank payout in Canada, useful CAD references include RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal. ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
Recipient details for Canada in CAD depend on the bank or payout channel named in the order. ATM24 may need the recipient name, RBC or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
For Canada, a CAD payout may be fast only after the selected channel is checked. ATM24 reviews RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
The ATM24 fee for sending money to Canada with payout in CAD starts from 0.9% on the Canada CAD payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
Yes, ATM24 can calculate a transfer to Canada in CAD where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Canada CAD payout route, payment currency, exchange conditions, bank details such as RBC or Royal Bank of Canada, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
For Canada, the minimum CAD transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks RBC, Scotiabank, recipient details, payout method, and document requirements before payment. A route through Scotiabank may have different limits than a card or non-bank payout. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
For Canada, extra documents for a CAD payout depend on the route through Scotiabank, Royal Bank of Canada, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
For Canada, a 1000 USD transfer can produce a different CAD result depending on the receiving route: 1,321.78 CAD. The ATM24 calculation includes Toronto-Dominion Bank or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Canada: RBC, Scotiabank, Royal Bank of Canada, Toronto-Dominion Bank, and Bank of Montreal.
Could not find an answer to your question?
Contact support
