Sending money internationally has never been easier

Whether it’s direct-to-bank deposit with Scotia International Money* or cash pick-up with Western Union♢, you can send your money the way you want.

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The benefits of sending money with Scotia

Convenient  

Send money in the way that’s easiest for you and your recipient, whether that’s directly to their bank account or cash pick-up.

Fast

Complete your transfer in just a few steps directly through Scotia’s online or mobile banking.

Secure

Your money is protected from unauthorized activity by Scotiabank’s security guarantees. 

Global

Send money abroad to over 200 countries, including the United States, India, Philippines, China, and many more.

We’ve got 2 options to help you send money internationally

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Scotia International Money Transfer*

Direct-to-bank deposit

  • $0 transfer fees: Send money internationally directly from your Scotiabank account with no transfer fees1
  • Send more when it matters most, with transfer limits of up to CAD $15,000 per day and CAD $25,000 per week
  • Send money to 73 destination countries worldwide
  • Delivery is quick with most transfers completed within 1 hour4
  • Stay updated with real-time tracking at every step
  • Get up to 50,000 bonus Scene+®* points when you send money abroad (with minimum transfer amount). Conditions apply.
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Western Union♢

Cash pick-up

  • Send money abroad to more than 500,000 locations, in over 200 countries 
  • Send up to $999.99 through online and mobile banking, and up to $7,499 through a branch in a day 
  • Send money internationally for fast cash pick-up at an agent location within 2 to 4 hours2 
  • $5 + 1% fee on the amount being transferred3
  • Additional foreign exchange rates apply
 

Our step-by-step demo shows how easy it is to send money internationally using your computer, tablet, or smartphone.

 

Learn how to send a Scotia International Money Transfer*  

Learn how to send a Western Union♢ transfer

Compare your money transfer options

See chart below 
 Scotia International Money transfer*Western Union♢
Method of sending Direct-to-bank depositCash pick-up 
Amount  CAD $15,000 per day

Up to $999 through our online and mobile banking

Up to $7,499 at a Scotiabank branch

Length of time 1 hour2-4 hours2
Transfer fees$0 transfer fees

$5 per transfer +1% of the principle amount 3

Additional exchange rates apply

How to send  Online or mobile banking Online banking, mobile banking, or at your nearest branch. 
Available CountriesNow available in 73 countries. Send money directly to accounts in new destinations like Pakistan, Vietnam, and South Korea, plus enjoy faster transfers to India, Mexico, China, France, United Kingdom, and many moreOver 200 countries and territories and we have over 500,000 agent locations

FAQs

Terms and Conditions

Scotiabank International Money Transfer agreement

Western Union cash pick-up terms and conditions

*
A transfer can only be made from an eligible Scotiabank Chequing or Savings account. Terms and Conditions found in Scotiabank International Money Transfer Agreement apply. 
♢
Western Union Terms and Conditions apply.
®*
Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.
1

Money transfer fees will be temporarily waived. Offer may be changed or withdrawn at any time without notice. Standard fees will apply once the waiver offer has ended.

 

Foreign currency exchange rates still apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at www.scotiabank.com/international-money-transfer.

2
Service availability and delivery time depends on certain factors including the Service and delayed delivery options selected, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory and consumer protection requirements, identification requirements, delivery restrictions, agent location hours, and differences in time zones.
3
Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.
4
Depending on the country some transactions may take longer. Expected delivery times will be displayed before you send money internationally.