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Earning/Saving Potential
Lowest Fees
Best Perks
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- Flat fee of $15
Transfer Limits
- None, but government limits may apply for regulated currencies
OFX is an international money transfer service that lets you send money in over 50 currencies to 170+ countries around the world. In some cases, your recipient can even receive their money on the same day.
Pros
- Plenty of currencies available
- Very fast transfers
- No fees for transfers over $10,000
Cons
- High fees for small amounts transferred
- Fewer options to transfer money from
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Send money in over 50 currencies to 170 countries
Special Features
- No fees for transfers above $10,000
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- Flat fee of $15
Example Transfer Speed For $1,000
- USD: Same day or next day
- EUR: 1-2 business days
- GBP: Same day or next day
- INR: 2 business days
- HKD: 1-2 business days
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- None, but government limits may apply for regulated currencies
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: $0.00 to $21.49
- EUR: $0.00 to $21.49
- GBP: $0.00 to $21.49
- INR: $0.00 to $21.49
- CNY: $0.00 to $21.49
Transfer Limits
- Bank deposit: $999 - $75,000/day
- Cash pickup: $999 - $15,000/day
- All limits can be raised the more money you spend with Xoom
Xoom is an international money transfer service by PayPal, offering quick and easy money transfers for some surprisingly high fees in some cases. Payment options are flexible, with the option of transferring money from your PayPal account or bank account, or using your debit or credit card to pay. Of course, the recipient will also have to pay a fee on pickup as well, which makes Xoom an expensive option on both ends.
Pros
- Different delivery methods available
- Fast delivery
- Free transfers to many countries for some methods
- Current status updates available
- 24/7 customer service
- Secure transfers
- Money-back guarantee
Cons
- Not all delivery methods are available in all countries
- Fees are higher than some other options
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
4 different delivery methods available + Money-back gurantee.
Special Features
- Powered by PayPal
- Money-back guarantee
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: $0.00 to $21.49
- EUR: $0.00 to $21.49
- GBP: $0.00 to $21.49
- INR: $0.00 to $21.49
- CNY: $0.00 to $21.49
Example Transfer Speed For $1,000
- USD: Same day or next day
- EUR: Same day
- GBP: Same day
- INR: Same day to 2 days
- CNY: Same day or next day
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- Bank deposit: $999 - $75,000/day
- Cash pickup: $999 - $15,000/day
- All limits can be raised the more money you spend with Xoom
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- From 0.33%, fees vary by currency
Transfer Limits
- Depends on country, CAD to CAD is unlimited
If your business operates in multiple currencies, a Wise Business Account can be a cost-effective and transparent solution. It lets you send money to over 160 countries in more than 40 currencies, accept client payments in up to 9 currencies, and always benefit from the real mid-market exchange rate—without hidden fees. With low, clearly listed transfer costs and flexible options like debit, credit, and bank transfers, Wise makes international business banking straightforward and affordable.
Pros
- Low and completely transparent fees
- More than 40 currencies available
- Real exchange rates
- Comes with a debit card
Cons
- No cash deposits or transactions
- Limited customer support channels
Provinces
ALL
Eligibility
- Be a sole trader, freelancer, limited or public company, partnership, charity, or trust
Why You Want It
Send funds to 160+ countries in 40+ currencies + Get real exchange rates.
Special Features
See Issuer for Details
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- From 0.33%, fees vary by currency
Example Transfer Speed For $1,000
- 24 hours
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- Depends on country, CAD to CAD is unlimited
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: $3.87
- INR: $3.03
- AUD: $3.87
- GBP: $3.87
- JPY: $10.33
Transfer Limits
- $5,000 daily
- $15,000 monthly
Instead of standing in line at the bank, KOHO International Money Transfer offers easy, reliable international money transfers with no hidden fees, lightning-fast 30-minute money transfers to a number of countries, and excellent exchange rates.
Pros
- Low, transparent fees
- Live exchange rates
- Fast transfer times
Cons
- Transfer limits
- Requires a KOHO prepaid card
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Get access to cheap and quick international money transfers from a KOHO account.
Special Features
- Live exchange rates
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: $3.87
- INR: $3.03
- AUD: $3.87
- GBP: $3.87
- JPY: $10.33
Example Transfer Speed For $1,000
- USD: 2 days
- INR: 30 mins
- AUD: 2 days
- GBP: 30 mins
- JPY: 2 days
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- $5,000 daily
- $15,000 monthly
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: $0 to $7
- EUR: $0 to $7
- GBP: $0 to $7
- INR: $0 to $7
- CNY: $0 to $7
Transfer Limits
- $999/day
Western Union Money Transfer is a leading brand in the international money transfer space because of its affordability, seamless user experience, and multiple payment options.
Pros
- Set exchange rates
- Send with Google Pay
- The option for in-store transfers
- Wide availability
Cons
- Surprisingly low daily limit
- No options for PayPal
Provinces
ALL
Eligibility
N/A
Why You Want It
Send money online or in-store + Over 2,700 stores across the country.
Special Features
- In-store transfers
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: $0 to $7
- EUR: $0 to $7
- GBP: $0 to $7
- INR: $0 to $7
- CNY: $0 to $7
Example Transfer Speed For $1,000
- USD: Same day
- EUR: Same or next day
- GBP: Same or next day
- INR: Same or next day
- CNY: Same day, but may take longer depending on regulations and receiving bank
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- $999/day
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: Start at $7.40
- EUR: Start at $6.34
- GBP: Start at $6.78
- INR: Start at $8.21
- CNY: Start at $15.66
Transfer Limits
- Direct debit: $9,500/day, $30,000/week
- Debit/credit: $3,000/transfer
- Interac e-Transfer: $25,000
- Bill payment/wire transfer: $1.5 million
Wise, formerly known as Transferwise, is an international money transfer service that allows users to send funds to 80+ countries, including Wise transfers in Canada. Transferwise was launched in 2011 by two friends from Estonia. The company started out offering international money transfers, and soon grew to include multi-currency accounts, business accounts, and a debit card. In 2021, Transferwise changed its name to Wise.
Pros
- Cheap international money transfers
- Transparent fee structure
- Free multi-currency account to hold over 40 currencies
- FINTRAC regulated in Canada
- Ability to enable two factor authentication (2FA)
Cons
- Your Wise account can be deactivated with no reason given
- Limits on the amount that can be transferred
- Relatively small list of countries
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Global money transfers that are up to 8x cheaper than banks + No hidden fees.
Special Features
- No hidden fees or markup
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- USD: Start at $7.40
- EUR: Start at $6.34
- GBP: Start at $6.78
- INR: Start at $8.21
- CNY: Start at $15.66
Example Transfer Speed For $1,000
- USD: Same day
- EUR: Same day
- GBP: Same day
- INR: Same day
- CNY: Same day
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- Direct debit: $9,500/day, $30,000/week
- Debit/credit: $3,000/transfer
- Interac e-Transfer: $25,000
- Bill payment/wire transfer: $1.5 million
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- $0
Transfer Limits
- 75,000
Sending money to loved ones overseas should be a quick and easy process. A Simplii Global Money Transfer allows you to make money transfers of up to $75,000 per day (depending on the country), in local currency or in U.S. dollars. Transfers typically take 1 to 3 business days to process and have no initial transfer fees.
Pros
- No transfer fees
- Money transfer tracking
- Cash back and referral rewards
- Pick up your money at MoneyGram
- Get cash rewards by referring a friend
Cons
- Not available in Quebec
- Hidden fees
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
- Must have a Simplii Financial account or credit card
Why You Want It
Pay $0 in transfer fees + Send up to $75,000 within a 24-hour period.
Special Features
- Cash back rewards (when used with Simplii Cash Back Visa)
- Money transfer tracking
- Linked directly to your bank account, no 3rd party information sharing
- Get $50 when you refer a friend & they use your link
- Chance to win $5000
Mid-market Exchange Rate?
Hidden Fees?
Example Fees For $1,000
- $0
Example Transfer Speed For $1,000
- Cash Pickup: Same day
- Bank account: 1 - 3 business days
- Visa debit/credit cards: Real time
Debit Transfer?
Credit Transfer?
Bank Account Transfer?
Paypal Transfer?
Transfer Limits
- 75,000
