Sending money internationally has never been easier

Whether it’s direct-to-bank deposit with Scotia International Money^* or cash pick-up with Western Union^♢, you can send your money the way you want.

Don't have an account? Become a Scotia customer.

The benefits of sending money with Scotia

Convenient

Send money in the way that’s easiest for you and your recipient, whether that’s directly to their bank account or cash pick-up.

Fast

Complete your transfer in just a few steps directly through Scotia’s online or mobile banking.

Secure

Your money is protected from unauthorized activity by Scotiabank’s security guarantees.

Global

Send money abroad to over 200 countries, including the United States, India, Philippines, China, and many more.

We’ve got 2 options to help you send money internationally

Scotia International Money Transfer^*

Direct-to-bank deposit

Send money online directly to your recipient’s bank account within 5 business days in over 20 countries
Send up to $10,000 a day
$0 fee for Ultimate Package customers and new to Canada customers¹
$1.99 per transfer all other customers
Additional foreign exchange rates apply

Send a direct-to-bank deposit

Western Union^♢

Cash pick-up

Send money abroad to more than 500,000 locations, in over 200 countries
Send up to $999.99 through online and mobile banking, and up to $7,499 through a branch in a day
Send money internationally for fast cash pick-up at an agent location within 2 to 4 hours²
$5 + 1% fee on the amount being transferred³
Additional foreign exchange rates apply

Send a cash pick-up

Our step-by-step demo shows how easy it is to send money internationally using your computer, tablet, or smartphone.

Learn how to send a Scotia International Money Transfer^*

Learn how to send a Western Union^♢transfer

Compare your money transfer options

See chart below

	Scotia International Money transfer^*	Western Union^♢
Method of sending	Direct-to-bank deposit	Cash pick-up
Amount	Up to $10,000	Up to $999 through our online and mobile banking Up to $7,499 at a Scotiabank branch
Length of time Up to 5 business days	Up to 5 business days	2-4 hours²
Transfer fees	$0 fee for Ultimate Package customers or New to Canada customers¹ $1.99 per transfer for all other customers Additional exchange rates apply	$5 per transfer +1% of the principle amount³ Additional exchange rates apply
How to send	Online or mobile banking	Online banking, mobile banking, or at your nearest branch.
Available Countries	United States, India, Philippines, Greece, Portugal, Ireland, Spain, Netherlands, Cyprus, France, Germany, Italy, Belgium, Austria, United Kingdom, Mexico, Australia, Dominican Republic, Jamaica, and China	Over 200 countries and territories and we have over 500,000 agent locations

FAQs

Scotia International Money Transfer is a service that allows our Canadian retail customers to send international money transfers directly to a recipient's bank account. Existing customers can send a Scotia International Money Transfer from eligible Canadian Dollar accounts by signing in to online banking or Scotiabank’s mobile app.

To see a demo on how this feature works online and in our mobile banking app, visit Scotiabank Digital Banking.

To send a Western Union Money Transfer:

From the app's home screen, select Move money
Select Cash pickup
Select a contact to send the transfer to and the account you want to send it from
Select the currency and the amount, then follow the instructions to complete your transfer

To send a Western Union Money Transfer:

From your Accounts page, select Transfers
Select Send Money Internationally
Select Cash pick-up
After you review and agree to the Terms and Conditions, follow the instructions to complete your transfer

Terms and Conditions

Scotiabank International Money Transfer agreement

Western Union cash pick-up terms and conditions

Legal

*

A transfer can only be made from an eligible Scotiabank Chequing or Savings account. Terms and Conditions found in Scotiabank International Money Transfer Agreement apply.

♢

Western Union Terms and Conditions apply.

1

Foreign currency exchange rates apply. For Ultimate Package customers and customers onboarded as a part of the Scotiabank StartRight® Program, we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. Staff not charged a fee. For more information, please visit- www.scotiabank.com/international-money-transfer.

2

Service availability and delivery time depends on certain factors including the Service and delayed delivery options selected, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory and consumer protection requirements, identification requirements, delivery restrictions, agent location hours, and differences in time zones.

3

Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

Sending money internationally has never been easier

The benefits of sending money with Scotia

Convenient

Fast

Secure

Global

We’ve got 2 options to help you send money internationally

Scotia International Money Transfer*

Western Union♢

Our step-by-step demo shows how easy it is to send money internationally using your computer, tablet, or smartphone.

Compare your money transfer options

FAQs

What is a Scotia International Money Transfer?

How long does it take to receive an International Money Transfer?

How do I cancel a Scotia International Money Transfer?

What is a Western Union Money Transfer?

How can I tell if a Western Union Money Transfer has been picked up?

How do I send a Western Union Money Transfer?

Scotia International Money Transfer^*

Western Union^♢