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Can Canadian creators use Melon?

Yes, using a Wise US bank account. Melon moves money over the US ACH network, so a Canadian creator needs US account details — Wise provides them free.

Written by Melon Support

Yes, using a Wise US bank account. Melon moves money over the US ACH network, so a Canadian creator needs US account details — Wise provides them free.

Why Wise is needed

Melon's charges and payouts run on US ACH. A Canadian domestic account cannot receive them. A Wise account gives you US routing and account numbers that ACH can reach, while the balance stays yours to convert or withdraw to a Canadian bank.

Setting it up

  1. Create a Wise account.

  2. Open USD account details within Wise. Wise gives you a US routing number and account number.

  3. Connect that account in Melon as your bank.

  4. Complete KYC in Melon as normal.

Which details to use

Use the USD account details Wise provides, not your Canadian bank's. The routing number must be a US one or the connection will not work.

Getting money to a Canadian bank

Funds arrive in your Wise USD balance. From there you convert to CAD and withdraw to your Canadian bank on your own schedule. Wise's conversion fee applies and is between you and Wise — Melon does not add anything.

Tax

A Canadian creator paid through a US account still has Canadian tax obligations. Melon issues US tax forms where required; it does not handle Canadian filings. See Understanding your 1099 tax forms.

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