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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.
Don't have an account? Become a Scotia customer.
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.
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
Scotia International Money Transfer*
Direct-to-bank deposit
- Send money online directly to your recipient’s bank account within 5 business days in over 20 countries
- Send up to $10,000 a day
- $0 fee for Ultimate Package customers and new to Canada customers1
- $1.99 per transfer all other customers
- Additional foreign exchange rates apply
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
Compare your money transfer options
See chart below
| Scotia International Money transfer* | Western Union♢ | |
|---|---|---|
| Method of sending | Direct-to-bank deposit | Cash pick-up |
| Amount | Up to $10,000 | Up to $999 through our online and mobile banking Up to $7,499 at a Scotiabank branch |
| Length of time Up to 5 business days | Up to 5 business days | 2-4 hours2 |
| Transfer fees | $0 fee for Ultimate Package customers or New to Canada customers1 $1.99 per transfer for all other customers Additional exchange rates apply |
$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 Countries | United States, India, Philippines, Greece, Portugal, Ireland, Spain, Netherlands, Cyprus, France, Germany, Italy, Belgium, Austria, United Kingdom, Mexico, Australia, Dominican Republic, Jamaica, and China | Over 200 countries and territories and we have over 500,000 agent locations |
FAQs
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.
1
Foreign currency exchange rates apply. For Ultimate Package customers and customers onboarded as a part of the Scotiabank StartRight® Program, we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. Staff not charged a fee. For more information, please visit- 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.