{"id":762128,"date":"2018-12-11T08:45:17","date_gmt":"2018-12-10T21:45:17","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=762128"},"modified":"2026-07-07T11:07:21","modified_gmt":"2026-07-07T15:07:21","slug":"sites-like-wise","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/international-money-transfers\/sites-like-wise","title":{"rendered":"6 Apps Like Wise in 2026"},"content":{"rendered":"

Wise offers international money transfers with no exchange rate markup, multi-currency accounts and an international debit card to help you avoid foreign transaction fees. But if you\u2019re searching for Wise alternatives in Canada, there are several options to choose from.<\/p>

To help you find the right fit, we\u2019ve compiled 6 leading apps similar to Wise so you can compare fees, features and transfer speeds.<\/p>

\n
\n <\/div>\n
\n
\n
<\/div>
\n Finder Score\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Fastest Transfer Speed\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Fees (Pay by Bank Transfer)\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th><\/tr><\/thead>

Remitly: If you want a great app experience when sending transfers<\/h3><\/td><\/tr>

\"Remitly<\/a>
Finder score<\/div>
8.6<\/span><\/span> Great <\/span><\/a><\/div><\/div>
Remitly<\/a><\/span><\/div><\/td>
Finder score<\/div>
8.6<\/span><\/span> Great <\/span><\/a><\/div><\/div><\/td>
Within minutes<\/span><\/div><\/td>
From $0<\/span><\/span><\/div><\/td>
<\/div>

Why we like it<\/h4>

<\/p>

We like that Remitly offers competitive rates, transfers to 175+ countries and territories, multiple delivery options and express transfers that can arrive within minutes. You can send funds online or via an easy-to-use mobile app, and we appreciate that you can see Remitly\u2019s exchange rate and fees without even needing an account. We also like Remitly One, a membership program that includes send-now-pay-later transfers, up to $5 cashback a month and annual rewards.\n<\/p>

  • Transfer cost:<\/b> Transfer fees vary by destination, payment method and delivery method, but certain corridors and transfer types qualify for zero-fee transfers, such as sending over $500 CAD to India or making bank deposits to the Philippines. Exchange rate margins vary depending on the currency you send but remain competitive, especially compared to traditional banks.<\/li>
  • Payment options:<\/b> Credit card, debit card, bank transfer, mobile wallet or Interac e-Transfer<\/li>
  • Receiving options:<\/b> Bank or debit card deposit, cash pickup, mobile wallet, home delivery<\/li>
  • Currencies: 100+<\/li>
  • Transfer limit:<\/b> $140000 CAD (limit varies depending on your verification level, payment method, destination country and transfer history)<\/li>
  • Customer support:<\/b> Phone, live chat<\/li><\/ul><\/div>

Xe: If you want a multi-currency personal account<\/h3><\/td><\/tr>

\"Xe<\/a>
Finder score<\/div>
8.0<\/span><\/span> Great <\/span><\/a><\/div><\/div>
Xe Money Transfers <\/a><\/span><\/div><\/td>
Finder score<\/div>
8.0<\/span><\/span> Great <\/span><\/a><\/div><\/div><\/td>
Within minutes<\/span><\/div><\/td>
$0<\/span><\/span><\/div><\/td>
<\/div>

Why we like it<\/h4>

<\/p>

We like that standard bank-to-bank transfers over $1,000 are typically fee-free with Xe. You\u2019ll still have to pay an exchange rate markup, but Xe offers competitive rates. We also like that Xe is a Canadian company headquartered in Newmarket, Ontario, and is starting to offer a multi-currency account similar to Wise, allowing users to hold, convert and send money in multiple currencies. The multi-currency account is not available to all customers yet but is slowly being rolled out.<\/p>

  • Transfer cost:<\/b> Transfer fees vary depending on your payment method, the amount and the country you send money to, but most bank-to-bank transfers over $1,000 are free. An exchange rate markup is also applied, but Xe's rates are generally quite competitive<\/li>
  • Payment options:<\/b> Bank or wire transfer, EFT, debit card, credit card, Interac (CAD only), mobile wallet, bill payment<\/li>
  • Receiving options:<\/b> Bank account, mobile wallet, cash pickup<\/li>
  • Currencies:<\/b> 100+<\/li>
  • Transfer limit:<\/b> $560,000 online (no max offline)<\/li>
  • Customer support:<\/b> Phone, live chat, email<\/li><\/ul><\/div>

Loop: If you want a multi-currency business account<\/h3><\/td><\/tr>

\"Loop<\/a>
Finder score<\/div>
Not scored yet<\/span><\/div><\/div>
Loop<\/a><\/span><\/div><\/td>
Finder score<\/div>
Not scored yet<\/span><\/div><\/div><\/td>
Within an hour<\/span><\/div><\/td>
$0<\/span><\/span><\/div><\/td>
<\/div>

Why we like it<\/h4>

<\/p>

If you send or spend money abroad for work, we think Loop is a good option as it\u2019s a Canadian company that specializes in cross-border banking solutions for businesses. It offers corporate cards with no FX fees; CAD, USD, EUR and GBP accounts; CDIC protection; and the ability to send money to 180+ countries in 37+ currencies. We also like that Loop lets you manage your expenses, accounts receivable and accounts payable directly on the platform.<\/p>

  • Transfer cost:<\/b> There are no transfer fees. Exchange rate markup of 0.1% to 0.4% applies\u20140.47% with a free account, 0.27% with a Loop Plus account ($79 monthly fee) and 0.12% with a Loop Power account ($299 monthly fee)<\/li>
  • Payment options:<\/b> Bank transfer, Interac e-Transfer, wire transfer<\/li>
  • Receiving options:<\/b> Bank account<\/li>
  • Currencies: <\/b>Send payments in 37 currencies, hold funds in 4 currencies<\/li>
  • Transfer limit:<\/b> $1 million - $5 million<\/li>
  • Customer support:<\/b> Email, live chat, scheduled call<\/li>
      <\/ul><\/ul><\/div>

OFX: If you want to send large transfers over $10,000<\/h3><\/td><\/tr>

\"OFX<\/a>
Finder score<\/div>
Not scored yet<\/span><\/div><\/div>
OFX <\/a><\/span>
Exclusive<\/span><\/span><\/div><\/div><\/td>
Finder score<\/div>
Not scored yet<\/span><\/div><\/div><\/td>
24 hours<\/span><\/div><\/td>
From $0<\/span><\/span><\/div><\/td>
<\/use><\/svg>Finder exclusive:<\/strong> Discounted exchange rates for your first and ongoing transactions. $0 transfer fee. T&Cs apply.\n\t\t\t<\/span><\/div><\/td>
<\/div>

Why we like it<\/h4>

<\/p>

We like that OFX offers business and personal money transfers, as well as a Global Currency Account. The account allows you to hold, receive and send funds in 30+ currencies, with local account details available for CAD, GBP, EUR and USD. We also like that OFX has additional features, including FX tools such as spot transfers, forward contracts and limit orders, along with budgeting tools, accounts payable software and corporate cards with 1% unlimited cashback, although some features may only be available on paid plans.<\/p>

  • Transfer cost:<\/b> Transfers are fee-free when you send more than $10,000, while a $15 fee may apply for transfers of less than $10,000.<\/li>
  • Payment options:<\/b> Direct debit, Interac e-Transfer, bill payment, EFT, wire transfer<\/li>
  • Receiving options:<\/b> Bank account<\/li>
  • Currencies:<\/b> 30+<\/li>
  • Transfer limit:<\/b> Unlimited+<\/li>
  • Customer support:<\/b> Phone, email<\/li><\/ul><\/div>

Western Union: If you want flexible payment and delivery options<\/h3><\/td><\/tr>

\"Western<\/a>
Finder score<\/div>
8.7<\/span><\/span> Great <\/span><\/a><\/div><\/div>
Western Union<\/a><\/span><\/div><\/td>
Finder score<\/div>
8.7<\/span><\/span> Great <\/span><\/a><\/div><\/div><\/td>
Within minutes<\/span><\/div><\/td>
From $0<\/span><\/span><\/div><\/td>
<\/div>

Why we like it<\/h4>

<\/p>

Western Union is one of the world\u2019s largest money transfer providers, with services available in over 200 countries and territories. We like that it has an extensive network of over 500,000 agent locations across these locations, giving you the option to send money in person, online or through the mobile app. We also like that Western Union has a free rewards program that offers discounts on transfer fees and certain brands, as well as bonus offers.<\/p>

  • Transfer cost:<\/b> Fees vary depending on the destination, payment method and delivery option, but they\u2019re quite high compared to competitors, especially for larger transfer amounts. For example, sending $5,000 to Mexico would incur a transfer fee of $150. Western Union also applies an exchange rate margin, but it\u2019s competitive and typically lower than traditional banks.<\/li>
  • Payment options:<\/b> Credit card, debit card, bank transfer, cash<\/li>
  • Receiving options:<\/b> Cash pickup, bank transfer, mobile wallet, credit card, debit card<\/li>
  • Currencies:<\/b> 130<\/li>
  • Transfer limit:<\/b>
    • Cash: No limit<\/li>
    • Credit or debit card: $5,000<\/li>
    • Bank transfer: $5,000<\/li>
    • Payment at agent locations for transfers started online: $7,500<\/li><\/ul><\/li>
    • Customer support:<\/b> Phone, live chat, email<\/li><\/ul><\/div>

Paysend: If you want competitive rates<\/h3><\/td><\/tr>

\"Paysend
Finder score<\/div>
9.2<\/span><\/span> Excellent <\/span><\/a><\/div><\/div>
Paysend<\/span><\/span><\/div><\/td>
Finder score<\/div>
9.2<\/span><\/span> Excellent <\/span><\/a><\/div><\/div><\/td>
Within an hour<\/span><\/div><\/td>
$0<\/span><\/span><\/div><\/td>
<\/div>

Why we like it<\/h4>

<\/p>

Paysend is a digital money transfer service that also offers a dedicated business solution through Paysend Enterprise for companies managing international payments. We like that Paysend charges a flat fee of $3, no matter the transfer amount, which keeps the cost predictable even for larger transactions. Some transfers, like sending money to a bank account in the Philippines or the US, are even free.<\/p>

  • Transfer cost:<\/b> Typically $3 per transfer when sending from Canada, with some routes eligible for $0 fees. Exchange rates vary, as Paysend includes a margin in the FX rate, but it\u2019s usually competitive.<\/li>
  • Payment options:<\/b> Mobile wallet, Interac e-Transfer, credit card<\/li>
  • Receiving options:<\/b> Bank account, credit card, mobile wallet, cash pickup<\/li>
  • Currencies:<\/b> 100<\/li>
  • Transfer limit:<\/b> Not published, but you\u2019ll receive a notification if you reach your limit<\/li>
  • Customer support:<\/b> Email, live chat<\/li><\/ul><\/div>