How to send money to Ireland from Canada

By   |   Verified by David Boyd   |   Published 23 Dec 2022

Are you looking for the best way to send money from Canada to a family member, friend, or business in Ireland?

Recipients will get more euros if you send money to Ireland from Canada with an online international money transfer service because they offer more competitive exchange rates and cheaper transfer fees.

Need to transfer money to Ireland from Canada?

Best ways to send money to Ireland

Simplii Financial Global Money Transfer

On website

Simplii Financial Global Money Transfer

Highlights

  • Get up to $300 when you send your first Global Money Transfer. Use promo code GMTEVENT to claim this offer. Terms and Conditions apply.
  • Send $50,000 daily to over 130 countries without transfer fees.
  • The only bank in Canada that provides Cash Pickup Service at $0 transfer fee. Send up to $2,000 per day and enjoy same-day delivery to over 40 countries.
  • Use the code CASH when you send your first GMT cash pick up for $50 cashback

Pros

  • No transfer fees.
  • Money tracking feature.
  • You can send money straight to a Visa credit or debit card.
  • Earn rewards.

Cons

  • No physical branches.
  • There is a $50,000 daily limit.
Remitly

On website

Remitly

Highlights

  • Enjoy great exchange rates and low fees.
  • Every transfer carries a delivery promise. Have your money delivered on time or get your money back.
  • Safety and security. Remitly uses industry-standard security protocols and encryption.

Pros

  • Low transaction fees.
  • Plenty of delivery options.
  • Wide global network, covering 50+ currencies and countries.
  • Highly rated customer support.

Cons

  • Fees apply when you fund your account using a credit card.
  • Transfer limits apply.
Instarem

On website

Instarem

Highlights

  • Use the promo code FINTY and get CAD $20 bonus on your first transfer. Terms and Conditions apply.
  • Send money and earn points.
  • Enjoy low fees, and great FX rates. No hidden charges.
  • Transfer money to 55+ countries.

Pros

  • Transfer fees are between 0.25% to 1%.
  • Earn loyalty points.
  • Dedicated customer support.
  • Mobile apps.

Cons

  • There is no cash pick-up option.
Wise

Wise

Highlights

  • Send money up to 7x cheaper than banks.
  • Receive payments like a local in 10 currencies.
  • Indulge convenience by transacting thru the Wise App anytime and anywhere!
  • Your money is safe. Wise is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

Pros

  • Low and competitive fees.
  • Easy to understand fee structure.
  • Easy to use website and mobile apps.
  • High transfer limit.

Cons

  • Limited currencies and destination countries compared with some competitors.
  • Can only send funds to the recipient's bank account.
OFX

OFX

Highlights

  • Enjoy better rates and fees.
  • Transfers to most countries take 1-2 business days. Track your transfer online or with the OFX mobile app.
  • With support staff that are located in Canada, Australia, USA, UK, New Zealand, Hong Kong and Singapore.

Pros

  • Easy and quick account opening.
  • Wide range of supported currencies and countries.
  • No fees if transferring more than $10,000.
  • Enjoy additional features for business transfers.

Cons

  • Limited payment options.
  • $15 fee if transferring less than $10,000.
MoneyGram

On website

MoneyGram

Highlights

  • Receive 20% off the fee on your next money transfer when you signup today.
  • Offers many send and receive options with money arriving in minutes.
  • MoneyGram's global network includes well-known retailers and businesses, spanning more than 200 countries and territories, making cash pick-up easy for your receiver.
  • Wire internationally at excellent exchange rates.

Pros

  • Vast network and accessible branches worldwide.
  • Same-day transfers to select bank accounts.
  • Multiple deposits and pick-up options.

Cons

  • Higher fees compared to other money transfer services.

Compare more money transfer services before you send money to Ireland.

First time sending?

How to send money to Ireland from Canada

Online money transfer services are a fast, easy, and affordable way to send money from Canada to Ireland. This step-by-step guide explains how they work if you’ve never used one before.

  1. Choose a money transfer service. On this page, you can find reputable money transfer services that can transfer money to Ireland.
  2. Create an account. You will need to provide some personal information and proof of ID.
  3. Set up the transfer. You will need to provide the recipient’s full name, address, bank account number (if you want funds delivered to a bank), and how much money you plan to send. Depending on the service used, it may be possible to choose how funds are delivered to the recipient in Ireland.
  4. Choose how you will pay for the transfer. You can use a bank transfer, debit card, credit card or cash. The method you choose to pay will affect how long it takes for the money to be transferred.
  5. Send the money and track the transfer. Once initiated, you’ll be able to track its progress. The recipient will need to provide their banking details to receive the funds.

What are the fees and charges?

Costs for sending money to Ireland from Canada

  • Service fee. The amount charged by a money transfer service for sending money to Ireland will vary depending on the amount of money being sent, how it is to be delivered, and how the transaction is being funded.
  • Collection fee. What it costs for the funds to be collected by the recipient.
  • Delivery fee. What it costs for the funds to be delivered to the recipient's address.
  • Cash advance fee. Charged by credit card issuers when using a credit card to fund a money transfer. Cash advance interest is applied additionally.
  • Currency exchange rate. Not strictly a fee, but a poor exchange rate impacts how much your recipient will get.

Looking for other options?

Alternative ways to send money to Ireland from Canada

There are a few different ways to send money to Ireland if you don't want to use an online money transfer service.

  • Banks. Slower and more expensive than an online money transfer service. Banks typically have uncompetitive exchange rates too.
  • Crypto You can send cryptocurrency to the recipient's crypto wallet. Transfers between wallets on the same exchange are typically free. Using a stablecoin for the transfer mitigates market volatility.
  • Money orders. A reliable way to send money, but one of the slower options available.
  • Money transfer agents. An option if you want to use cash or if the recipient wants to collect cash.
  • Prepaid cards. Inappropriate for large transfers. An option if you want to send a relatively small amount and aren't bothered with withdrawal limitations.

Still not sure?

FAQs

How long does it take for money sent from Canada to arrive in Ireland?

The time frame will depend on the method used to send the money. For example, a bank transfer can take a few days, while money sent with a money transfer service can arrive within minutes.

Can I send money to Ireland if the recipient has no bank account?

Yes. You can still send money through a transfer service if the recipient has no bank account. The sender can configure the money transfer so the recipient can collect cash from a specific location, or a courier can deliver the cash. Alternatively, you could use a money order, send crypto, or even send a prepaid card.

Is it safe to send money to Ireland from Canada?

Yes, sending money to Ireland from Canada is safe when you use a reputable company. We only list established money transfer services on Finty.

Can I send a money order to Ireland from Canada?

Yes, purchasing a money order in Canada and sending it to Ireland via postal mail or tracked courier is possible. The recipient can then cash the money order at a bank, credit union, local post office, etc.

Can I use my credit card to send money to Ireland from Canada?

Yes. You can fund a money transfer to Ireland with a credit card. However, your credit card issuer may charge a cash advance fee since the transaction will most likely be classified as a cash equivalent. Additionally, the transaction will immediately incur interest at the cash advance rate.

Can I send cryptocurrency to Ireland from Canada?

Yes, cryptocurrencies such as Bitcoin and Ethereum can be sent to Ireland from Canada. The recipient can then choose whether to sell the crypto for cash or use it to transact in stores and with people who accept it.