JL
Jocelyn Lamothe
Quebec, Canada · Independent · Since 2025

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I'm Jocelyn Lamothe — a Quebec-based software developer who built USD2CAD.ca because every existing currency-conversion site I tested gave me a different rate, hid the spread, or pushed me toward an expensive money-transfer operator. I wanted a single page that just shows the real Bank of Canada mid-market rate, lets me convert any amount, and explains the cheapest way to actually move dollars between my US and Canadian accounts.

Why I built this site

I receive USD revenue from US-based clients and I move it to my Canadian bank multiple times a year. Over five years I tested every mainstream Canadian option — RBC, TD, BMO, Wise, OFX, Norbert's Gambit through Questrade, PayPal — with the same goal: minimum cost per dollar converted. The data behind every comparison on this site comes from my own transfers, not affiliate marketing scripts.

The articles include the affiliate Wise link because Wise is what I actually use for transfers under $50,000. Above that, I switch to Norbert's Gambit. Both are explained in detail with the math, and I do not recommend products I have not personally used.

How I calculate fees

  1. Pull the Bank of Canada mid-market rate for the date via the Valet API.
  2. Compare it to the rate quoted by each provider for the same amount and same date.
  3. Compute the spread as a percentage: (BoC − quoted) / BoC × 100.
  4. Add any fixed fees expressed as a percentage of the transfer amount.
  5. Report the result as an "all-in cost %" — directly comparable between providers.

Canonical fee benchmarks I use across the site (updated periodically):

Articles I've written