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don't know how to guide you through, sometimes I admit not all the ppl take the initiatives and be a pioneer.

https://transferwise.com/ca/send-money/send-money-to-the-usa#:~:text=How%20to%20send%20money%20to%20the%20United%20States%20from%20Canada,your%20debit%20or%20credit%20card.
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  • 枫下茶话 / 美国话题 / 从加银行帐户打钱去美国投资帐户, 啥方式最经济实惠(汇率好+手续费少)?
    • RBC 是不是有美币账号,可以两个国家用吧? +2
    • 到工商银行换美金, RBC 去转钱
    • transferwise for small amount. if large amount ( over 30k ), still can use transferwise ( good exchange rate, but transfer fee will increase). there is cheaper way, but too much steps.
    • transferwise.com和xe.com都可以转。transferwise转账很快,
      半天就到账,汇过国内。xe.com是加拿大公司,转账比较慢,汇费比transferwise少一些,但优势不明显,但不能汇中国,我在美加之间汇过。两个都有汇款限额,transferwise首次汇款有邀请码的话,一定下限内首次免汇费。
      • 两家都是提供比中间价少2-3%的汇率作为汇费,transferwise是列出中间价和汇费,xe是直接列出少于中间价的汇率并声称不收汇费。本质是一样的。
        • so there is another way: open IB account, link both CAD/USD account, convert in IB, transfer out to USD, then wire transfer large amount to US account, cheapest and complex . +1
          • 请问IB account是什么?
            • interactivebrokers +1
              • 自己给自己一个支票就行了
                • takes at least 2 months to make it available, hopefully after 10 years this may be easier than b4? try cashier check or money order to yourself?
    • 如果账户都在HSBC的话,HSBC的global transfer最快捷,自己网上操作,无手续费。
      • 是一定要成为HSBC premiere客户吗?
        • 不知道,你可以查问一下HSBC。不过如果你准备用HSBC的话,其实成为premier客户还是有很多方便之处的,而且要求不高,投资账户里的资金也算,具体可以自己在HSBC官网上查查看。
    • Td and bmo both offer free wire transfer to and from US, you need to open accounts on both sides. Then transfer from TD us bank to US brokerage, usually free
      • ok,either free wire transfer or global transfer, that's save only $30 wire transfer fee ,
        • however, the key is how you can convert CAD to USD in cheapest way , use bank, at least 2 cents compare with the exchange rate, if need change 50k, that's 1000 bucks lost. 1000 vs. 30, no comments.
          • 换汇和汇款其实是两个不同的功能需求,各有各的解决方案,一时的使用和将来的使用会导致各自的使用频率和范围不同。按个人需求自己可以将不同方案进行结合形成适合自己的最佳方案。
            • topic: 最经济实惠(汇率好+手续费少) , exchange rate is the essential , indeed.
              • 是的是的,你是想直接回答楼主的2合1的问题,没错。其它人是以过来人经验动态将来预判需求给出的,出发点不一样。
                • 嗯,你能分清西瓜芝麻就好。
                  • 为什么会有judge呢?给出的答案不合用不用就是了,不是么?难道问问题的还兼职考智商么?另外,只看到现在需求而看不到将来不同需求的, not sure what's your definition of "the big picture"?
                    • ok, ok, 楼主去HSBC就好了,YMYD
                      • 楼主当然应该选最合适他的,包括你给的答案。行吧,都是为了帮助楼主,就当我没回应过你,OK。
        • 换汇可以norbit操作,狗一下很多资料,资金少的话不值得做