International Transfers

International Transfers

Heritage Credit Union now offers International Transfer service for our members. International Transfers is a low-cost foreign exchange solution. It enables members to transfer money internationally through online banking.

International Transfers can accommodate several of your needs, including:

  • sending money to friends or family who live overseas.
  • supporting a family member who is travelling overseas.
  • paying for a wedding abroad.
  • paying for overseas medical expenses.
  • paying for accommodation/luxury holidays overseas.

Members have access to international money transfers through online banking through desktop/laptop access. The service provides convenient 24/7 access, access to live rates, transfer sent directly to the recipient’s account, and there are no deductions (ever) on the transfer amount.

See How It Works!


How do I make an international transfer?

Make a transfer in three simple steps:

  • Complete your one-time registration through online banking to get started.
  • Add your recipient, so we know where to send money to.
  • Book your international transfer.

What is the maximum and minimum transfer amount?

You can transfer as much as $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. 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, from a desktop or laptop.

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?

Protection of your transfer is 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 $500 (CAD), a $2.50 fee applies. There may be an additional fee for the withdrawal, depending on the type of account you use to transfer the money.

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.