Convert USD to CAD for 0.2%, not 2%.
Get paid by US clients with your own USD account details. Convert to CAD when you choose, at a rate you see first.
USD and CAD savings calculator
USD
CADAn estimate at the mid-market rate, including Avvio’s 0.2% fee. Your exact rate is shown before you confirm. Up to 10M for this estimate.
- No US company or EIN needed
- Free incoming wires
- CAD to your Canadian bank by EFT
One flat 0.2% on every amount.
The same 0.2% on US$1,000 or US$1M. Incoming wires are free and US ACH details are included.
| Feature | Avvio | Big banks | Venn | Loop | Wise Business |
|---|---|---|---|---|---|
| Conversion fee | 0.2%Flat on every amount | About 2%Built into the rate | 0.45% | 0.47% | From 0.19%Tiered by volume |
| Monthly fee | None | Plan-based | None | None | None |
| Incoming wire | Free | C$15 to C$18 | Free | Not published | US$6.11 |
| US ACH details | Yes | No | Yes | Yes | Yes |
| Currencies you can hold | CAD, USD, EUR, GBP, AED | CAD, USD | CAD, USD, EUR, GBP | CAD, USD, EUR, GBP | 40+ currencies |
Prices from each provider’s Canadian site, September 30, 2026 (Venn Essentials, Loop Basic, Wise Business).Banks don’t publish FX markup; 2% is the low end of published estimates.
Open, get paid, convert.
Open your account
Verify your business online. No branch, no appointment.
Get paid in USD
Clients pay your USD account details by ACH or domestic wire, like any US business.
Convert and withdraw CAD
Convert at the mid-market rate plus 0.2%, either direction, then withdraw CAD to your Canadian bank by EFT.
USD account detailsACH · Wire
What Canadian businesses ask.
What does the 0.2% include?
Everything on the conversion: the mid-market rate plus 0.2%, with no markup hidden in the rate.
Do I need a US company or an EIN?
No. A Canadian incorporation is enough, and your USD account details are issued in your company’s name.
When does a US payment arrive?
It leaves your client’s US bank as a domestic payment. A wire usually arrives the same business day, ACH in one to two.
Is there a limit on how much I can convert?
No fixed limit, and large payments convert online at the same 0.2%. Moving more than US$1M a month? Talk to sales first.
How do I get CAD into my Canadian bank account?
Convert in your dashboard, then withdraw to your Canadian business bank account by EFT.
Still deciding? Contact sales
Stop losing 2% on every USD invoice.
0.2% all-in, both ways. No monthly fee.
