International Transfers

International Transfers is a low-cost foreign exchange solution for Northern Credit Union members to transfer money internationally through online banking, 24/7. With expert omni-channel support, members no longer need to wait in line to make international transfers.

How can International Transfers solve your needs?

  • Buying an overseas property or holiday home abroad
  • Simply transferring US money to your US account at Northern Credit Union
  • Paying for overseas tuition fees for child or grandchild
  • Overseas investments
  • Sending money to friends or family who live overseas
  • Paying for accommodation/luxury holidays overseas
  • Supporting a family member who is travelling overseas
  • Paying for a wedding abroad
  • Overseas mortgage payments
  • Paying for work to be completed overseas
  • Paying for overseas medical expenses
  • Paying for bills overseas

Benefits to Northern Credit Union Members

Convenient, 24/7 access

Members now have access to international money transfers through online banking, anytime they want, from any device.

Advanced Security

Northern members’ money is protected with AES 256-bit encryption, through a FINTRAC-regulated entity. It also includes: integrated automated identity verification, anti-money laundering procedures, automated online checks, advanced anti-fraud safeguards and insurance coverage.

Guaranteed Transfer Amount

The amount sent is what is received direct from one bank account to another; no deductions (ever) on the transfer amount.

Live Pricing

Access to live rates.

Account to Account settlement

Transfer is sent directly to the recipient’s account.

Quick delivery

Next day settlement in North America; within two business days internationally.

Confirmation Notification

The sender receives a notification when funds are settled into the recipient’s account.

Simple Online Registration

First-time set up is simple and includes integrated, automated identity verification and anti-money laundering procedures.

Dedicated support

Our strategic partners provide support through chat, email and phone.


How do I make an international transfer?

Make a transfer in three simple steps:

  1. Compete your one-time registration through online banking to get started
  2. Add your recipient so we know where to send money to
  3. Book your international transfer


What is the maximum and minimum transfer amount?

Up to a maximum of 25,000 or as little as $10.

How do I keep track of my transfer?

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 and when it arrives at the recipient’s account.

When can I make international transfers?

Anytime, anywhere.

How long does the transfer take?

Quick next-day delivery in North America and up to two business days everywhere else.

How safe is my transfer?

Your transfer is protected with AES 256-bit encryption, automated identity verification, anti-money laundering procedures, automated online checks, advanced anti-fraud safeguards and insurance coverage - all through a FINTRAC-regulated entity.

What are the exchange rates?

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

What are the fees?

If the transfer is less than CAD $500, a $2.50 fee applies.
Standard bill payment fees apply.

How do I know how much the recipient will receive?

With our guaranteed transfer amount, what is sent is what is received—there are no deductions ever.
For more Q&A about sending and receiving International Transfers click here.