Remittance Prices Worldwide

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Sending money from CANADA to GHANA

Data collected on: Aug 18, 2025 - Aug 27, 2025
CAD | USD
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
<em>Transfer Speed</em> has been standardized in six broad categories.
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
The exchange rate margin is the cost resulting from the fact that the firm applies a rate that is different from the market reference rate. The margin is the percentage difference between the market reference rate and the exchange rate actually applied to the transaction.
Total cost (%)
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Total cost (CAD)sort descending
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
-2.30
Percentage difference between market reference rate 8.12 and exchange rate charged 8.31
Total cost (%)
-2.30
Total cost (CAD)sort descending
-4.60
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
-2.30
Percentage difference between market reference rate 8.12 and exchange rate charged 8.31
Total cost (%)
-2.30
Total cost (CAD)sort descending
-4.60
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
-2.30
Percentage difference between market reference rate 8.12 and exchange rate charged 8.31
Total cost (%)
-2.30
Total cost (CAD)sort descending
-4.60
Firm
Toronto Dominion Bank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
-2.10
Percentage difference between market reference rate 7.98 and exchange rate charged 8.15
Total cost (%)
-2.10
Total cost (CAD)sort descending
-4.20
Firm
Royal Bank of Canada
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
2.10
Percentage difference between market reference rate 0.72 and exchange rate charged 0.71
Total cost (%)
2.10
Total cost (CAD)sort descending
4.20
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
3.07
Percentage difference between market reference rate 7.86 and exchange rate charged 7.61
Total cost (%)
3.07
Total cost (CAD)sort descending
6.14
Firm
Wise
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
6.00
Exchange rate margin(%)
0.20
Percentage difference between market reference rate 7.86 and exchange rate charged 7.85
Total cost (%)
3.20
Total cost (CAD)sort descending
6.40
Firm
Ria
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
5.00
Exchange rate margin(%)
1.69
Percentage difference between market reference rate 7.86 and exchange rate charged 7.73
Total cost (%)
4.19
Total cost (CAD)sort descending
8.38
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
1.99
Exchange rate margin(%)
3.36
Percentage difference between market reference rate 7.86 and exchange rate charged 7.60
Total cost (%)
4.36
Total cost (CAD)sort descending
8.71
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
1.99
Exchange rate margin(%)
3.36
Percentage difference between market reference rate 7.86 and exchange rate charged 7.60
Total cost (%)
4.36
Total cost (CAD)sort descending
8.71
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
3.99
Exchange rate margin(%)
3.07
Percentage difference between market reference rate 7.86 and exchange rate charged 7.61
Total cost (%)
5.07
Total cost (CAD)sort descending
10.13
Firm
Ria
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
7.00
Exchange rate margin(%)
1.69
Percentage difference between market reference rate 7.86 and exchange rate charged 7.73
Total cost (%)
5.19
Total cost (CAD)sort descending
10.38
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
5.99
Exchange rate margin(%)
2.81
Percentage difference between market reference rate 7.86 and exchange rate charged 7.63
Total cost (%)
5.81
Total cost (CAD)sort descending
11.61
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
6.99
Exchange rate margin(%)
2.72
Percentage difference between market reference rate 7.86 and exchange rate charged 7.64
Total cost (%)
6.22
Total cost (CAD)sort descending
12.43
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
6.90
Exchange rate margin(%)
2.95
Percentage difference between market reference rate 7.86 and exchange rate charged 7.63
Total cost (%)
6.40
Total cost (CAD)sort descending
12.80
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
6.90
Exchange rate margin(%)
2.95
Percentage difference between market reference rate 7.86 and exchange rate charged 7.63
Total cost (%)
6.40
Total cost (CAD)sort descending
12.80
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
9.04
Percentage difference between market reference rate 7.83 and exchange rate charged 7.12
Total cost (%)
9.04
Total cost (CAD)sort descending
18.08
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
9.04
Percentage difference between market reference rate 7.83 and exchange rate charged 7.12
Total cost (%)
9.04
Total cost (CAD)sort descending
18.08
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
Exchange rate margin(%)
9.56
Percentage difference between market reference rate 7.87 and exchange rate charged 7.12
Total cost (%)
9.56
Total cost (CAD)sort descending
19.12
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
8.00
Exchange rate margin(%)
6.53
Percentage difference between market reference rate 7.86 and exchange rate charged 7.35
Total cost (%)
10.53
Total cost (CAD)sort descending
21.06
Firm
Toronto Dominion Bank
Firm type: Bank
 
Payment instrument
Access point
Bank branch
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
50.00
Exchange rate margin(%)
3.33
Percentage difference between market reference rate 0.72 and exchange rate charged 0.70
Total cost (%)
28.33
Total cost (CAD)sort descending
56.66
Total Average Third Quarter 2025
5.42
Total Average Second Quarter 2025
0
Total Average
Fee
5.27
Exchange Rate Margin (%)
2.78
Total Cost Percent (%)
5.42
Total Cost (CAD)
10.84
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