Sending CAD to India through Wise requires funding from a Canadian bank; its CAD guide does not accept international SWIFT payments. Available methods include direct debit, online bill payment, wire, debit or credit card, and Interac e-Transfer. The right choice depends on the amount, your bank and the delivery estimate. Wise CAD guide.
New to Wise? An invite link can waive Wise's fee on your first eligible transfer: see how the invite offer works.
Match the method to the amount
| Funding choice | Check before selecting it |
|---|---|
| Direct debit | Whether the linked account can cover the withdrawal and the daily or weekly allowance. |
| Online bill payment | The biller and reference supplied for this transfer, plus your bank’s bill-payment limit. |
| Wire | Bank charges, cut-off time and the exact beneficiary instructions. |
| Card | The provider’s card limit and the complete charge shown before confirmation. |
| Interac e-Transfer | Your own bank’s sending allowance, which can be below the provider’s limit. |
For example, Wise currently lists a CAD 3,000 card limit. A larger transfer therefore needs a different eligible method even if the card itself has enough available credit. CAD funding generally takes one to three working days to reach Wise. Both details come from its CAD payment rules; check the account quote for your payment.
Collect the complete recipient record
Have the Indian bank account number, IFSC and recipient name ready. The INR guide explains the bank and UPI delivery options. The CAD guide also requires the recipient’s full address, so do not wait until checkout to request it. INR delivery requirements, CAD information requirements.
Confirm details directly with the recipient, especially if an emailed invoice contains a changed account. Saving a recipient is useful only after the information is correct.
Budget for the actual debit
Suppose your monthly budget is CAD 800. Compare providers using a total CAD 800 outlay, the same funding method where possible, and the same delivery method. Record the final INR amount rather than comparing fee banners. This is a comparison exercise, not an observed market quote.
For an exact INR obligation, reverse the exercise: hold the required rupees constant and compare the total Canadian dollars needed. See the fee calculation guide.
Leave time for funding
Creating the transfer and initiating a bank payment are separate steps for methods that require you to pay through your bank. Keep both confirmations. If the recipient has a deadline, allow for the funding stage before relying on the India delivery estimate. The transfer timing guide explains how those stages fit together.