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Transfer money

Sending money from CANADA to GHANA

Data collected on: Nov 01, 2019
CAD | USD
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
Receiving method
Disbursing network coverage
Feesort descending
Exchange rate margin (%)
Total cost (%)
Total cost (CAD)Total cost (USD)
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
4.994.99
Exchange rate margin (%)
2.69
Percentage difference between market reference rate 4.06 and exchange rate charged 3.952.69
Total cost (%)
5.195.19
Total cost (CAD)Total cost (USD)
10.3810.38
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
4.994.99
Exchange rate margin (%)
2.69
Percentage difference between market reference rate 4.06 and exchange rate charged 3.952.69
Total cost (%)
5.195.19
Total cost (CAD)Total cost (USD)
10.3810.38
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
7.007.00
Exchange rate margin (%)
4.38
Percentage difference between market reference rate 4.06 and exchange rate charged 3.884.38
Total cost (%)
7.887.88
Total cost (CAD)Total cost (USD)
15.7615.76
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Feesort descending
7.997.99
Exchange rate margin (%)
3.79
Percentage difference between market reference rate 4.06 and exchange rate charged 3.903.79
Total cost (%)
7.787.78
Total cost (CAD)Total cost (USD)
15.5615.56
Firm
Ria
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent, Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
8.008.00
Exchange rate margin (%)
1.56
Percentage difference between market reference rate 4.06 and exchange rate charged 3.991.56
Total cost (%)
5.565.56
Total cost (CAD)Total cost (USD)
11.1211.12
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent, Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
10.0010.00
Exchange rate margin (%)
2.76
Percentage difference between market reference rate 4.06 and exchange rate charged 3.952.76
Total cost (%)
7.767.76
Total cost (CAD)Total cost (USD)
15.5215.52
Firm
Ria
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
10.0010.00
Exchange rate margin (%)
1.56
Percentage difference between market reference rate 4.06 and exchange rate charged 3.991.56
Total cost (%)
6.566.56
Total cost (CAD)Total cost (USD)
13.1213.12
Firm
Xpress Money
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
10.0010.00
Exchange rate margin (%)
1.92
Percentage difference between market reference rate 4.06 and exchange rate charged 3.981.92
Total cost (%)
6.926.92
Total cost (CAD)Total cost (USD)
13.8413.84
Firm
ScotiaBank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
11.0011.00
Exchange rate margin (%)
4.01
Percentage difference between market reference rate 0.76 and exchange rate charged 0.734.01
Total cost (%)
9.519.51
Total cost (CAD)Total cost (USD)
19.0219.02
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
Feesort descending
13.5013.50
Exchange rate margin (%)
3.34
Percentage difference between market reference rate 0.76 and exchange rate charged 0.743.34
Total cost (%)
10.0910.09
Total cost (CAD)Total cost (USD)
20.1820.18
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent, Call Center
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
20.0020.00
Exchange rate margin (%)
4.38
Percentage difference between market reference rate 4.06 and exchange rate charged 3.884.38
Total cost (%)
14.3814.38
Total cost (CAD)Total cost (USD)
28.7628.76
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Feesort descending
24.0024.00
Exchange rate margin (%)
4.38
Percentage difference between market reference rate 4.06 and exchange rate charged 3.884.38
Total cost (%)
16.3816.38
Total cost (CAD)Total cost (USD)
32.7632.76
Firm
Toronto Dominion Bank
Firm type: Bank
 
Payment instrument
Access point
Bank branch, Call Center, Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Feesort descending
30.0030.00
Exchange rate margin (%)
3.66
Percentage difference between market reference rate 0.76 and exchange rate charged 0.733.66
Total cost (%)
18.6618.66
Total cost (CAD)Total cost (USD)
37.3237.32
Total Average Fourth Quarter 2019
9.379.37
Total Average Third Quarter 2019
8.838.83
Total Average
Fee
12.4212.42
Exchange Rate Margin (%)
3.163.16
Total Cost Percent (%)
9.379.37
Total Cost (CAD) Total Cost (USD)
18.7518.75
Non-Transparent records
Bank account transfer Debit/credit card Cash
Less than one hour 6 days or more
Bank account Cash Mobile wallet
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
Total cost (%)
Total cost (CAD)Total cost (USD)
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
11.9911.99
Exchange rate margin (%)
2.69
Percentage difference between market reference rate 4.06 and exchange rate charged 3.952.69
Total cost (%)
5.095.09
Total cost (CAD)Total cost (USD)
25.4525.45
Firm
Xoom
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
4.994.99
Exchange rate margin (%)
2.69
Percentage difference between market reference rate 4.06 and exchange rate charged 3.952.69
Total cost (%)
3.693.69
Total cost (CAD)Total cost (USD)
18.4518.45
Firm
Ria
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent, Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
16.0016.00
Exchange rate margin (%)
1.56
Percentage difference between market reference rate 4.06 and exchange rate charged 3.991.56
Total cost (%)
4.764.76
Total cost (CAD)Total cost (USD)
23.8023.80
Firm
Ria
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
15.0015.00
Exchange rate margin (%)
1.56
Percentage difference between market reference rate 4.06 and exchange rate charged 3.991.56
Total cost (%)
4.564.56
Total cost (CAD)Total cost (USD)
22.8022.80
Firm
Xpress Money
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
18.0018.00
Exchange rate margin (%)
1.92
Percentage difference between market reference rate 4.06 and exchange rate charged 3.981.92
Total cost (%)
5.525.52
Total cost (CAD)Total cost (USD)
27.6027.60
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent, Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
10.0010.00
Exchange rate margin (%)
2.76
Percentage difference between market reference rate 4.06 and exchange rate charged 3.952.76
Total cost (%)
4.764.76
Total cost (CAD)Total cost (USD)
23.8023.80
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
12.9912.99
Exchange rate margin (%)
3.79
Percentage difference between market reference rate 4.06 and exchange rate charged 3.903.79
Total cost (%)
6.386.38
Total cost (CAD)Total cost (USD)
31.9031.90
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
7.007.00
Exchange rate margin (%)
4.38
Percentage difference between market reference rate 4.06 and exchange rate charged 3.884.38
Total cost (%)
5.785.78
Total cost (CAD)Total cost (USD)
28.9028.90
Firm
ScotiaBank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
14.0014.00
Exchange rate margin (%)
4.01
Percentage difference between market reference rate 0.76 and exchange rate charged 0.734.01
Total cost (%)
6.816.81
Total cost (CAD)Total cost (USD)
34.0534.05
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
13.5013.50
Exchange rate margin (%)
3.34
Percentage difference between market reference rate 0.76 and exchange rate charged 0.743.34
Total cost (%)
6.046.04
Total cost (CAD)Total cost (USD)
30.2030.20
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent, Call Center
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
30.0030.00
Exchange rate margin (%)
4.38
Percentage difference between market reference rate 4.06 and exchange rate charged 3.884.38
Total cost (%)
10.3810.38
Total cost (CAD)Total cost (USD)
51.9051.90
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
34.0034.00
Exchange rate margin (%)
4.38
Percentage difference between market reference rate 4.06 and exchange rate charged 3.884.38
Total cost (%)
11.1811.18
Total cost (CAD)Total cost (USD)
55.9055.90
Firm
Toronto Dominion Bank
Firm type: Bank
 
Payment instrument
Access point
Bank branch, Call Center, Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
30.0030.00
Exchange rate margin (%)
3.66
Percentage difference between market reference rate 0.76 and exchange rate charged 0.733.66
Total cost (%)
9.669.66
Total cost (CAD)Total cost (USD)
48.3048.30
Total Average Fourth Quarter 2019
6.516.51
Total Average Third Quarter 2019
5.975.97
Total Average
Fee
16.7316.73
Exchange Rate Margin (%)
3.163.16
Total Cost Percent (%)
6.516.51
Total Cost (CAD) Total Cost (USD)
32.5432.54
Non-Transparent records
Bank account transfer Debit/credit card Cash
Less than one hour 6 days or more
Bank account Cash Mobile wallet
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