USD to CAD Exchange Rate & Bank Wire Fee Comparison (2026)
Convert US Dollar (USD) to Canadian Dollar (CAD). The live interbank midpoint rate is 1 USD = 1.3850 CAD. Compare hidden currency conversion spreads across major international wire systems.
USD to CAD Real-Time Calculator
USD to CAD Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on $1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 USD = 1.3850 CAD | C$1,385.00 | Current Live Rate |
| 30 Days Ago | 1 USD = 1.3795 CAD | C$1,379.46 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 USD = 1.4016 CAD | C$1,401.62 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 USD = 1.3559 CAD | C$1,355.91 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 USD = 1.3850 CAD | C$1,385.00 | +0.0% vs Annual Baseline |
USD to CAD Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (Interac / EFT (Transit & Institution Number)) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (Interac / EFT (Transit & Institution Number)). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Required Details to Wire USD to CAD
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
Interac / EFT (Transit & Institution Number)
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
USD vs CAD: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
US Dollar (USD)
Federal Reserve (Fed)
5.0%
Benchmark rate2.8%
Consumer pricesCanadian Dollar (CAD)
Bank of Canada (BoC)
4.25%
Benchmark rate2.4%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), Bank of Canada (BoC)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: USD to CAD
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
C$1,385.00
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
C$872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
C$887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
C$896.12
Physical cash pickup
USD to CAD Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇺🇸 USD to 🇨🇦 CAD
1 USD = 1.3850 CAD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| $1 USD | C$1.39 CAD | C$0.00 | -C$26.86 |
| $5 USD | C$6.92 CAD | C$0.00 | -C$27.04 |
| $10 USD | C$13.85 CAD | C$0.00 | -C$27.26 |
| $25 USD | C$34.62 CAD | C$6.70 | -C$27.92 |
| $50 USD | C$69.25 CAD | C$40.22 | -C$29.03 |
| $100 USD | C$138.50 CAD | C$107.25 | -C$31.25 |
| $250 USD | C$346.25 CAD | C$308.36 | -C$37.89 |
| $500 USD | C$692.50 CAD | C$643.53 | -C$48.97 |
| $1,000 USD | C$1,385.00 CAD | C$1,313.87 | -C$71.13 |
| $5,000 USD | C$6,925.00 CAD | C$6,676.59 | -C$248.41 |
| $10,000 USD | C$13,850.00 CAD | C$13,379.99 | -C$470.01 |
🇨🇦 CAD to 🇺🇸 USD (Reverse)
1 CAD = 0.7220 USD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| C$1 CAD | $0.72 USD | $0.00 | -$14.00 |
| C$5 CAD | $3.61 USD | $0.00 | -$14.09 |
| C$10 CAD | $7.22 USD | $0.00 | -$14.21 |
| C$25 CAD | $18.05 USD | $3.49 | -$14.56 |
| C$50 CAD | $36.10 USD | $20.97 | -$15.13 |
| C$100 CAD | $72.20 USD | $55.91 | -$16.29 |
| C$250 CAD | $180.51 USD | $160.75 | -$19.75 |
| C$500 CAD | $361.01 USD | $335.48 | -$25.53 |
| C$1,000 CAD | $722.02 USD | $684.94 | -$37.08 |
| C$5,000 CAD | $3,610.11 USD | $3,480.61 | -$129.50 |
| C$10,000 CAD | $7,220.22 USD | $6,975.19 | -$245.03 |
1.3850
1 USD = C$1.3850
0.7220
1 CAD = $0.7220
1.3296 - 1.4404
Annual volatility band
Interac / EFT (Transit & Institution Number)
Clearing rail for CAD
Frequently Asked Questions (USD to CAD)
Q: What is the current exchange rate for USD to CAD?
As of 2026, the real mid-market interbank rate is 1 USD = 1.385 CAD. This is the true benchmark rate with zero hidden bank markup.
Q: How much does a bank charge to send USD to CAD?
Most traditional high-street banks charge a front-end wire fee of around $25 plus a 2.5% to 4% hidden exchange rate markup. On a $1,000 transfer, you typically lose around C$71.61 compared to specialized neobanks like Wise.
Q: What bank codes are needed to send CAD to Canada?
To receive CAD in Canada, the recipient typically needs to provide their Interac / EFT (Transit & Institution Number).
Q: How fast does an international transfer take between USD and CAD?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.