International Transfers

Now available!

Unity Credit Union now offers International Transfers through Online Banking. International Transfers is a low-cost foreign exchange solution, accessible through Unity Credit Union’s Online Banking or Mobile App.

International Transfers can accommodate a number of your needs, including:
  • Sending money to friends or family who live outside of Canada
  • Supporting a family member who is travelling overseas
  • Paying for a wedding abroad
  • Paying for out-of-country medical expenses
  • Paying for accommodation/luxury holidays outside of Canada
  • Mortgage payments for property in another country
Our International Transfers service provides convenient 24/7 access, gives members access to live rates, the transfer is sent directly to the recipient’s account, and there are never deductions on the transfer amount.

** NOTE: International Transfers is not available using Internet Explorer.  Please use an alternate browser to login to Online Banking to access International Transfers. **

Frequently Asked Questions (FAQ): Expand/Collapse

How do I make an International Transfer?

  1. Login to Unity Credit Union Online Banking
  2. Click ‘Transfers’, then ‘International Transfers’ on the side menu
  3. Click ‘Accept’ at the bottom of the page.  You will be redirected to the International Transfers page.
  4. Complete your one-time registration – you will have to upload documentation to verify your identity.
  5. Add your recipient where you want to send the money to (by clicking on the ‘Recipients’ tab and completing the required information).  You must have a recipient added before sending the transaction.
  6. Send the International Transfer (by clicking on ‘Transactions’ tab and completing the required information).


What is the minimum transfer amount?
You can transfer as little as $10.


How do I keep track of my transfers?

Your transfer will appear in your transaction history in Online Banking in real-time.  You’ll also 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.  The service is available 24/7, through Online Banking or your Unity Credit Union Mobile App.


How long does the transfer take?
The transfer should be delivered by the next day if made within North America, and two business days for other international destinations.


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 $500 CAD, a $2.50 fee applies.  There are no fees if the transfer is over $500.


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.

 

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