“I am an international student in the US with a Huntington Bank account, but I kept my Canadian phone number. I need to receive about $200 from someone in Canada. Wire transfers are too expensive, and I can't create a US PayPal or Wise account because I don't have a US phone number. What are my options for receiving this money?”
You do not have to buy a U.S. phone line just to receive this payment. The simplest documented option puts the setup on the Canadian sender’s side and pays into the Huntington account you already have.
Your best route depends mainly on how the person in Canada can pay—not on whether you have a U.S. phone number.
The person in Canada can arrange a CAD-to-USD transfer to your Huntington . Wise expressly says the recipient can receive in a local bank account without having a Wise account; the sender can pay from online banking or by card. Give the sender your name, address, account type, account number, and . You do not need to create a U.S. Wise or PayPal account. [Wise Canada](https://wise.com/ca/send-money/send-money-to-the-usa) · [Wise recipient-detail instructions](https://wise.com/help/articles/2932150/guide-to-usd-transfers)
Western Union’s Canada-to-U.S. instructions offer a bank-account delivery choice and ask the sender to enter the receiver’s bank details. This is another sender-arranged route, though its published recipient-detail instructions do not settle whether a Canadian recipient phone number will be accepted if requested. Compare its quoted cost and USD payout with Wise. [Western Union Canada](https://www.westernunion.com/ca/en/send-money-to-the-us.html) · [Recipient details](https://www.westernunion.com/ca/en/send-money-online.html)
If the sender banks with National Bank of Canada, its separate International Transfer by Mastercard and Interac can send to the United States. National Bank publishes a $5.95 transaction charge and says the exchange rate varies; this is not an ordinary Interac e-Transfer directly to Huntington. [National Bank](https://www.nbc.ca/personal/accounts/services/online/features/international-transfer.html)
If the sender also has a U.S. bank account, you can enroll in Huntington’s Zelle service using your email address rather than a U.S. mobile number and have the sender use that enrolled email. Both sides must have U.S. bank accounts. [Huntington](https://www.huntington.com/Personal/mobile-banking/Zelle) · [Zelle](https://www.zelle.com/faq/can-i-use-zelle-internationally)
An ordinary is described by Interac as sending money to someone in Canada, so it is not a direct way to credit your U.S. Huntington account. The separate international services above are the exceptions worth distinguishing. [Interac FAQ](https://www.interac.ca/en/resources/personal-resources/personal-faq/interac-e-transfer)
Using your email instead of a U.S. number solves your side of Zelle enrollment, but it does not remove Zelle’s requirement that the sender also have a U.S. bank account. [Zelle international FAQ](https://www.zelle.com/faq/can-i-use-zelle-internationally)
Before the sender confirms a transfer, compare the USD amount you will receive after the displayed fees and conversion.
These steps get the sender the correct payout details and help you choose a route that does not require you to open a U.S. Wise or PayPal account.
Before sharing bank details
Find your Huntington account details
In Huntington Mobile, select the account and open Summary; Huntington places the account number below the routing number. For a Wise bank deposit, use the account’s ACH routing information rather than substituting Huntington’s wire routing number. [Huntington account guide](https://www.huntington.com/learn/checking-basics/find-checking-account-number-without-check) · [Routing guide](https://www.huntington.com/learn/checking-basics/routing-number)
Requirements
For Wise or a bank-deposit alternative
Give the sender the details for a bank payout
Share those details privately with the person sending the money. Wise’s USD-transfer instructions specify the recipient’s full name, full address rather than a PO box, bank account number, routing number, and account type. [Wise USD instructions](https://wise.com/help/articles/2932150/guide-to-usd-transfers)
Requirements
Recommended route
Have the sender arrange the Canada-to-U.S. payment
The sender can use [Wise’s Canada-to-U.S. transfer page](https://wise.com/ca/send-money/send-money-to-the-usa), select a payout to your local bank account, and pay in CAD through online banking or by card. You do not need a Wise account to receive it. They can compare the USD payout with [Western Union’s bank-account option](https://www.westernunion.com/ca/en/send-money-to-the-us.html); if they bank with National Bank, its [international-transfer service](https://www.nbc.ca/personal/accounts/services/online/features/international-transfer.html) publishes a $5.95 transaction charge plus a variable exchange rate. The live payout quote, not the transaction charge alone, determines what you receive.
Requirements
Alternative branch
Use Zelle by email only if the sender has a U.S. bank
If the sender can pay from a U.S. bank account, open Huntington Mobile, go to Pay & Transfer, select Enroll under Send Money with Zelle, and enter your email address. Complete the one-time-code enrollment and give the sender that enrolled email. Zelle requires both the sender and recipient to have U.S. bank accounts; a Canadian bank account alone is not enough. [Huntington](https://www.huntington.com/Personal/mobile-banking/Zelle) · [Zelle](https://www.zelle.com/faq/can-i-use-zelle-internationally)
Requirements
You are not the first to go through this. Here is how it went for others who asked the same thing.
u/Equivalent_Catch_233r/PersonalFinanceCanadaDec 2, 2025
This answer draws on the published instructions of Wise, Huntington, Western Union, National Bank of Canada, Zelle, and Interac.
Wise Canada-to-US transfer instructions
The recipient can receive a Wise transfer in a local bank account without opening Wise.
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account.
Wise Canada-to-US transfer instructions
Wise describes the U.S. recipient’s payout as USD sent to a local bank.
The recipient gets money in USD directly from Wise’s local bank account.
Wise Canada-to-US transfer instructions
The Canadian sender can fund the Wise transfer by card or online banking.
Pay in CAD with your debit card or credit card, or send the money from your online banking.
Wise Canada-to-US transfer instructions
Wise says the sender sees its charges before committing.
We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
Wise USD transfer instructions
Wise identifies the recipient details needed for a USD bank transfer.
You’ll need their full name, full address (we don’t accept PO boxes), bank account number, ACH or wire routing number (or ABA), and account type.
Wise Interac funding instructions
A Canadian sender may use Interac to fund a Wise international transfer, rather than send an ordinary Interac payment to Huntington.
You can use Interac e-Transfer Request Money to send Canadian dollars (CAD) to your Wise account and to fund your international transfers.
Huntington mobile account-number instructions
Huntington explains where to find the account and routing details in its mobile app.
The account number is located just below the routing number.
Huntington routing-number guide
Huntington distinguishes ordinary ACH routing from wire routing.
While your check routing number is used for everyday transactions like ACH transfers and direct deposits, wire transfers are processed through the Fedwire system, which uses its own routing transit number (RTN) assignments.
Western Union Canada-to-US instructions
Western Union offers entry of a U.S. recipient’s bank details for a Canada-to-U.S. transfer.
Choose a past receiver or enter your new receiver’s bank account details.
Western Union Canada-to-US instructions
Western Union says its total transfer cost varies.
Costs vary based on the amount you send, exchange rates at the time and any transfer fees.
Western Union send-money instructions
Western Union requests recipient contact information but does not specify here which country’s phone number its flow accepts.
Recipient details: Full name, contact information, and delivery details based on the chosen payout option.
National Bank International Transfer
National Bank publishes the transaction charge for its distinct international-transfer service.
International Transfer by Mastercard® and Interac® are available at a cost of $5.95 per transaction, no matter which account you hold.
National Bank International Transfer
National Bank includes the United States among destinations for that international service.
They allow you to transfer funds to the United States, India, Philippines, United Kingdom, and the following 19 European countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.
Huntington Zelle enrollment instructions
Huntington permits Zelle enrollment using an email address instead of a U.S. mobile number.
Enter your email address or U.S. mobile number (on file with Huntington; if not on file, see below to update), receive a one-time verification code, enter it, accept terms and conditions, and you're enrolled.
Zelle international FAQ
Zelle requires a U.S. bank account on both sides of the payment.
In order to use Zelle®, the sender and recipient’s must have U.S bank accounts.
Interac e-Transfer FAQ
Interac describes ordinary e-Transfers as payments to recipients in Canada.
Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada using online banking.
These are the issuers’ published instructions reviewed for September 24, 2026; service terms, prices, and exchange rates can change.
This is general information about official payment processes, not legal advice, and SettleKit is not a law firm.
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