You pay in CAD, the recipient gets EUR. Below are services that can do this today, ranked by how much actually arrives after all fees and exchange-rate markups.
Market rate: 1 CAD = 0.637312 EUR
Best now: Ether.fi — send 500 CAD, receive about 317.54 EUR.
Estimates for 500 CAD; open the app for your own amount. · Updated:
Buy USDT for CAD in one service, send it (fees are cents), and sell it for EUR in another. Two steps, but often cheaper than a bank wire, and it works for corridors nobody serves directly.
Pick a service above and open it with our link (some give a bonus on the first transfer).
Register and pass a quick identity check — usually a passport photo, a few minutes.
Pay with a card or bank transfer in Canada; the recipient in Germany gets money to a card, account or wallet.
FAQ
What is the cheapest way to send money from Canada to Germany?
Compare the amount received, not the advertised fee: a "0% fee" service can hide 3% in the exchange rate. The list above already accounts for both.
How long does a transfer from Canada to Germany take?
Card-to-card and stablecoin transfers usually arrive within minutes; bank payouts can take up to 1–3 business days.
What is the CAD to EUR exchange rate today?
The mid-market rate is 1 CAD = 0.637312 EUR. Services add their own markup; we show how much of it you lose.
Are these services legal and safe?
All listed services are public companies with their own licences and terms. Check the recipient's country rules and your bank's limits before a large transfer.