International transfer

Make your international transfer in just a few steps.

Make a transfer

Two options for your international transfers

Choose Mastercard ® and Interac ® international transfer to make transactions anytime from your online bank or app to over 22 countries around the world  2. If you can't find your destination country, use SWIFT ® wire transfer. Transfers can be made almost anywhere in the world, at any of our branches, and there’s no limit to the amount you can transfer.

Available online

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International transfer by Mastercard ® and Interac ®

 

  • Send transfers to the United States, the Philippines, United Kingdom* and 19 countries in the European Union**

  • Available 24/7, 365 days a year from your online bank or the app

  • Processing time of 24 to 48 hours, up to a maximum of 5 business days

  • Minimum of $10 per transaction and maximum of $10,000 per transaction (several transactions possible per day), $70,000 per week, $125,000 per month

  • $5.95 fee per transaction

  • Exchange rate is variable and calculated at the time you make the transaction

 

N.B. Some correspondent banks may charge additional fees on the payment sent. 

* UK countries and territories: England, Wales, Scotland, Northern Ireland and British Virgin Islands.

** Available European Union countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain.

 

Make a transfer

Example, if you send $1,000 you'll have:

  • A $5.95 transfer fee

  • A conversion depending on the exchange rate

For example, with an exchange rate of 1.40, your beneficiary will receive 710.03 units of currency, minus any additional fees that may be charged by their banking institution 3.

Offered at our branches

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SWIFT ® wire transfer

 

  • Transfers can be sent to any country (except Iran, North Korea, Syria and Russia)

  • Only available at our branches

  • Processing time usually takes between 2 to 3 days, but this may vary depending on the destination

  • No amount limits

  • Commission fee (0.34% is calculated on the amount shipped and converted to the currency of the account with a minimum fee of $20 and a maximum of $70) 

  • Exchange rate is variable and calculated at the time you make the transaction  

  • Transmission fees are extra ($15 for Canada and the United States, $20 for all other countries)  

N.B. Some associated banks may charge additional fees on the payment sent.

 

Make an appointment

Example, if you send $1,000 to an account outside of Canada or the United States, you’ll have to add:

  • A $20 commission fee (0.34% of the amount, max $70) 

  • A $20 transfer fee

  • A conversion depending on the exchange rate

For example, with an exchange rate of 1.40, your beneficiary will receive 685.71 units of currency, minus any additional fees that may be charged by their banking institution 3.

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You’re protected against fraud

If you encounter fraud during an online transfer, you can be reimbursed as long as you are not at fault and you have taken the necessary steps to protect your transactions.

Learn how to send international transfers from your online bank

Watch our demo and learn how to send international transfers online using Mastercard ® and Interac ®. Find out how to add a recipient and enter their information to transfer your money:

  1. Sign in to your online bank.

  2. Click Send in the left menu.

  3. Select or add a recipient.

  4. Follow the instructions.

Watch the demo

 

Image of a computer presenting the demo on how to send international transfers from your online bank
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Are you new to Canada?

Take advantage of a chequing account with no fixed monthly fees for up to 3 years, financial products tailored to your needs and exclusive support for one year for your housing, healthcare, employment and much more! Discover our offer for newcomers.

What’s the difference between a SWIFT/BIC, IBAN and ABA code? 

SWIFT/BIC, IBAN and ABA codes are used to identify banks and bank accounts during an international transfer.

A SWIFT/BIC CODE


The SWIFT/BIC (Society for Worldwide Interbank Financial Telecommunication/Bank Identifier Code) is the international identification code of a bank.

IBAN


IBAN (International Bank Account Number) is the code used to identify bank accounts and the bank of the recipient for transfers in Europe.

ABA 


The ABA (American Bankers Association) code is used to identify banks in the United States.

FAQ – Got more questions? We have answers

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If you have a Facebook ® account, you can contact us on Messenger, or through our virtual assistant, which is always available in your online bank.

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Make an appointment to speak to an expert in person or online.
 

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Get the answers to your questions
 

Little details that matter

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Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

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