How to send US Dollars (USD) to someone with a USD bank account in Canada

Some Canadian residents seek a bank account which accepts USD.

If the person you're sending money to falls into this category, we're happy to help you set up your recipient details to reflect this.

Please note: This process only applies to our users who are registered with us in North America.

How to add a recipient with a USD bank account in Canada using the app

If you want to add a USD bank account for a Canadian recipient, please follow these instructions if you're using our app.

1. Open the Xe app and go to More, followed by Recipients.
2. Hit the Add Recipient button.
3. Choose whether you're paying yourself or someone else.
4. Provide their full name and a nickname (optional).
5. Select USD as the currency and Canada as the country.
6. Enter the recipient's account number (typically 7-12 digits).
7. Fill in the Bank Code & Transit field (typically 3 digits and 5 digits respectively). This should always be preceded by a 0 to give you a total of 9 digits.
8. Click Continue to add your recipient's address and complete the process.

Important: If you encounter problems with the Bank Code & Transit field, please double check there is a 0 at the start of your digits. You should have 9 digits in total in this field.

Your completed Bank Code & Transit field should follow this format 0XXXYYYYY where X is the Bank Code number and Y is your recipient's transit number. This 9-digit number is also sometimes called a routing number.

How to add a recipient with a USD bank account in Canada using the website (click to expand)

If you want to add a USD bank account for a Canadian recipient, please follow these instructions if you're using our website.

1. Log in to your Xe account and select Recipients from the side menu. 
2. Click Add recipient. 
3. Choose Bank account.
4. Choose who you're sending money to (yourself, someone else or a business).
5. Enter the recipient's name.
6. Enter the following: 

• • Currency: USD
  • Location of bank: Canada 
  • If you're not sending to your own account, please enter the address of the recipient

4. Enter the recipient’s account number (typically 7-12 digits).
5. Fill in the Bank Code & Transit field (typically 3 digits and 5 digits respectively), adding an additional 0 at the start, giving you a total of 9 digits.
6. Add your reason for payment and any other optional fields you wish to provide information for to help you locate your transfer more easily.
7. Click Save Recipient and you're all set.

Important: If you encounter problems with the Bank Code & Transit field, please double check there is a 0 at the start of your digits. You should have 9 digits in total in this field.

Your completed Bank Code & Transit field should follow this format 0XXXYYYYY where X is the Bank Code number and Y is your recipient's transit number. This 9-digit number is also sometimes called a routing number.