OrbitRemit supports direct transfers to Canada from Australia and New Zealand — to any major Canadian bank account — for a flat $4 fee per transfer. Whether you are supporting family, paying rent, or managing money between two countries, this guide covers everything you need to know.
Delivery options
OrbitRemit sends money directly to your recipient’s Canadian bank account. All major Canadian banks are supported, including:
- Royal Bank of Canada (RBC)
- Toronto-Dominion Bank (TD)
- Scotiabank (Bank of Nova Scotia)
- Bank of Montreal (BMO)
- Canadian Imperial Bank of Commerce (CIBC)
- National Bank of Canada
- HSBC Canada
- Desjardins — major credit union, particularly in Quebec
Fees
Sending CAD from Australia or New Zealand with OrbitRemit costs a flat $4 per transfer.
Transfers of AUD or NZD $10,000 or more are completely fee-free.
All fees and the exchange rate are shown upfront before you confirm. No deduction at the receiving end.
New customers: First transfer free with a special promotional exchange rate (applies to first $500; terms apply).
Check the current live rate at orbitremit.com/canada
Transfer speed
Transfers to Canada are completed within 1-3 working days. Once OrbitRemit receives your payment, funds are processed and deposited directly into your recipient’s account within that timeframe.
Transfers sent on weekends or public holidays may arrive later, as local banks and payout partners operate on standard hours. The estimated delivery time is always shown before you confirm.
Payment methods and processing times:
- Debit card, Apple Pay, Google Pay: Fastest method
- PayID (AU): A few minutes
- POLi (NZ): A few minutes
- Bank transfer: Within the same working day
How to send money to Canada
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Log in and start a transfer
Log in to your OrbitRemit account at orbitremit.com or open the OrbitRemit app. Select CAD (Canadian Dollar) as the receiving currency and enter the amount you want to send in AUD or NZD.
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Add your recipient
Enter your recipient’s Canadian bank account details:
– Full name: As it appears on their Canadian bank account
– Bank name: e.g. RBC, TD, Scotiabank, BMO, CIBC
– Institution number: 3-digit code identifying the bank (e.g. RBC: 003, TD: 004, Scotiabank: 002)
– Transit number: 5-digit code identifying the specific branch
– Account number: 7–12 digits depending on the bank
Canadian bank routing: Canadian transfers use the institution number + transit number system rather than SWIFT/BIC or IBAN. Your recipient can find these numbers on a void cheque or in their online banking app under “direct deposit” details.
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Pay and confirm
Choose your payment method. The $4 fee and exchange rate are fixed at the time you confirm.
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Funds arrive
Funds are deposited directly into your recipient’s Canadian bank account within 1-3 working days. There is no deduction at the receiving end.
Transfer limits
You can send up to CAD $100,000 per transaction to Canadian personal and business accounts with OrbitRemit. Transfers of AUD or NZD $10,000 or more are fee-free.
FAQ’s (Frequently asked questions)
How much does it cost to send money to Canada from Australia?
OrbitRemit charges a flat $4 per transfer from AUD to CAD. Transfers of AUD $10,000 or more are fee-free.
How much does it cost to send money to Canada from New Zealand?
OrbitRemit charges a flat $4 per transfer from NZD to CAD. Transfers of NZD $10,000 or more are fee-free.
How long does a transfer to Canada take?
Transfers to Canada are completed within 1-3 working days. Transfers sent on weekends or public holidays may take longer.
What bank details do I need for a Canadian bank transfer?
Canadian bank transfers require a 3-digit institution number, 5-digit transit number and account number. Your recipient can find these on a void cheque or in their online banking under “direct deposit” details.
Is there a deduction at the receiving end?
No. Your recipient receives the full CAD amount shown at the time of your transfer.
Is it safe to send money to Canada with OrbitRemit?
Yes. OrbitRemit is regulated by ASIC in Australia (AFSL: 470646) and supervised by the DIA in New Zealand (FSP7721).
Can I send AUD directly to a Canadian bank account?
Yes. OrbitRemit converts AUD to CAD at the rate shown at the time of your transfer. The rate is fixed when you confirm — there are no surprises.
Send money to Canada with OrbitRemit
- Bank deposit to all major Canadian banks — RBC, TD, Scotiabank, BMO, CIBC and more
- Just $4 per transfer (fee-free above AUD or NZD $10,000)
- Completed within 1-3 working days
- No deduction at the receiving end
- Regulated by ASIC in Australia (AFSL: 470646) | DIA-supervised in New Zealand (FSP7721)
- Rated Excellent on Trustpilot from over 34,000 reviews
This guide is based on OrbitRemit’s current service information. Fees, transfer limits, exchange rates and processes are subject to change. Last updated June 2026.
Source: orbitremit.com/canada
