Online & Mobile Banking International Money Transfers

Send money to international bank accounts from the convenience of online & mobile banking. Save time and money by transferring money directly from online banking and the mobile app to bank accounts in Canada and around the world. 

Sending an international money transfer through is easy - simply register your account to begin.



If the Personal Access Number (PAN) or Member Card Number for your online banking account is less than 19 digits, your account may require an update before you can send an international money transfer. If you are interested in sending international money transfers through online and mobile banking and have a PAN less than 19 digits, please contact MemberLine for assistance..

What is an international money transfer used for? Expand/Collapse


International Money Transfers enables members to send money through TCU Financial Group online banking to bank accounts around the world. Canadian dollars are coverted into multiple currencies for a low fee and deposited into the requested international bank account. 

How do I make an international money transfer through online banking? Expand/Collapse


Make a transfer in three simple steps:
  1. Complete your one-time registration by logging in to your online banking account to get started.
  2. Add your recipient so we know where to send money to.
  3. Book your international money transfer.
Done!

How do I keep track of my transfer? Expand/Collapse


Your transfer will appear in your transaction history in online banking in real-time, plus, you’ll receive an email notification when the transfer has left your account. 

What are the exchange rates? Expand/Collapse


With live pricing, you get the real exchange rate—every time.

What are the costs to send an international money transfer? Expand/Collapse



If your transfer is less than CAD $500, a $2.50 transaction fee* will be charged by AFL International and will be applied at the time of transfer. 

A $14.95 outgoing fee will be applied to all transfers by TCU Financial Group and will be debited from your account.

TCU Financial Group applies a small Foreign Exchange (FX) charge to all transfers. The FX charge is included in your quote before you send a transfer.  

The following currencies have different transaction minimums and are subject to different transaction fees*:
  • INR India - $1,000 CAD minimum and $5 transaction fee
  • PHP Philipines - $2,000 CAD minimum and $6 transaction fee
  • HUF Hungary - $1,000 CAD minimum and $3 transaction fee
  • CZK Czech - $1,000 CAD minimum and $3 transaction fee
  • DKK Denmark - $1,000 CAD minimum and $3 transaction fee
  • THB Thailand - $1,000 CAD minimum and $3 transaction fee

A $7.50 transaction fee applies to all KRW (Korea) international transfers. 

Non-Local Currency Delivery: Currencies for which a Sender can send the Recipient funds denominated in a currency other than the official currency of the Recipient’s country (ie. sending USD to a Hungarian domiciled bank account) will be charged a $15 flat transaction fee. CAD, USD and EUR are available for non local delivery in available destination countries for non-domestic delivery.


*Subject to change without notice. Contact TCU Financial Group if you have questions about fees for international transfers

How do I know how much the recipient will receive? Expand/Collapse


With our guaranteed transfer amount, what is sent is what is received—there are no deductions ever.

What currencies are available for transfers? Expand/Collapse


The following currencies and countries are available for international money transfers*


LOCAL CURRENCY DELIVERY

Currency

Lower Limit

Upper Limit

Fee

Timeline

USD United states

$10

-

$2.50 <$500

1 business day

GBP UK

$10

-

$2.50 <$500

2 business days

EUR Europe

$10

-

$2.50 <$500

2 business days

AUD Australia

$10

-

$2.50 <$500

2 business days

CHF Swiss

$10

-

$2.50 <$500

2 business days

JPY Japan

$10

-

$2.50 <$500

2 business days

MXN Mexico

$10

-

$2.50 <$500

2 business days

NOK Norway

$10

-

$2.50 <$500

2 business days

NZD New Zealand

$10

-

$2.50 <$500

2 business days

SGD Singapore

$10

-

$2.50 <$500

2 business days

SEK Sweden

$10

-

$2.50 <$500

2 business days

ZAR South Africa

$10

-

$2.50 <$500

2 business days

PLN Poland

$10

-

$2.50 <$500

2 business days

HKD Hong Kong

$10

-

$2.50 <$500

2 business days

INR India

$10

C$ 28,000

INR 1,500,000

$5 <$1000

3 business days

PHP Philippines

$10

C$31,000

PHP 1,250,000

$6<$2000

3 business days

HUF Hungary

$10

C25,000

HUF 5,500,000

$3 <$1000

3 business days

CZK Czech

$10

C$25,000

CZK 440,000

$3 <$1000

3 business days

DKK (Denmark)

$10

C$50,000

DKK 250,000

$3 <$1000

2 business days

THB (Thailand)

$10

C$45,000

THB 1,000,000

$3<$1000

3 business days

KRW (Korea)

$10

C$6500

~KRW6,000,000

$7.50

3 business days

AVAILABLE DESTINATION COUNTRIES FOR NON-DOMESTIC DELIVERY

Albania

Dominican

Republic

Kazakhstan

Oman

Sint Maarten

Algeria

Ecuador

Kenya

Palau

Slovakia

American

Samoa

Egypt

Kiribati

Palestine State

Slovenia

Andorra

El Salvador

Kuwait

Panama

Solomon

Islands

Anguilla

Estonia

Kyrgyzstan

Papua New Guinea

South Africa

Antigua and Barbuda

Faroe Islands

Laos

Paraguay

South Korea

Argentina

Fiji

Latvia

Peru

Spain

Armenia

Finland

Lebanon

Philippines

Sri Lanka

Australia

France

Lesotho

Poland

Suriname

Austria

French Guiana

Liechtenstein

Portugal

Sweden

Bahamas

French Southern

Territories

Lithuania

Qatar

Switzerland

Barbados

Germany

Luxembourg

Romania

Taiwan

Belgium

Greece

Macedonia

Russia

Tanzania

Belize

Grenada

Malawi

Rwanda

Thailand

Benin

Greenland

Malaysia

Panama

Togo


*Fees and available currencies are subject to change without notice. Use this as a guide only. A real time quote will be provided at the time of transfer. No refunds of fees for any international transfer. 

How long does the transfer take? Expand/Collapse


Most transactions are a quick next-day delivery in North America and up to two business days everywhere else.


How secure are international money transfers? Expand/Collapse


Transfers are protected with AES 256-bit encryption, integrated automated identity verification, anti-money laundering procedures, automated online checks, advanced anti-fraud safeguards and insurance coverage - all through a FINTRAC-regulated entity.
Online & Mobile Banking International Money Transfers are provided in partnership with AFL International Transfers.
 

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