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Transfer money

Sending money from CANADA to HAITI

Data collected on: May 12, 2020
CAD | USD
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
Total cost (%)sort descending
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
4.994.99
Exchange rate margin (%)
1.69
Percentage difference between market reference rate 0.71 and exchange rate charged 0.701.69
Total cost (%)sort descending
4.194.19
Total cost (CAD)Total cost (USD)
8.388.38
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
Fee
4.994.99
Exchange rate margin (%)
1.69
Percentage difference between market reference rate 0.71 and exchange rate charged 0.701.69
Total cost (%)sort descending
4.194.19
Total cost (CAD)Total cost (USD)
8.388.38
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Low
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
4.994.99
Exchange rate margin (%)
2.06
Percentage difference between market reference rate 0.71 and exchange rate charged 0.702.06
Total cost (%)sort descending
4.554.55
Total cost (CAD)Total cost (USD)
9.109.10
Firm
Unitransfer
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
9.509.50
Exchange rate margin (%)
0.55
Percentage difference between market reference rate 0.71 and exchange rate charged 0.710.55
Total cost (%)sort descending
5.305.30
Total cost (CAD)Total cost (USD)
10.6010.60
Firm
ScotiaBank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
Low
Fee
5.005.00
Exchange rate margin (%)
4.74
Percentage difference between market reference rate 0.71 and exchange rate charged 0.684.74
Total cost (%)sort descending
7.247.24
Total cost (CAD)Total cost (USD)
14.4814.48
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 (%)
3.92
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.92
Total cost (%)sort descending
7.427.42
Total cost (CAD)Total cost (USD)
14.8414.84
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
9.009.00
Exchange rate margin (%)
3.92
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.92
Total cost (%)sort descending
8.428.42
Total cost (CAD)Total cost (USD)
16.8416.84
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
7.007.00
Exchange rate margin (%)
5.27
Percentage difference between market reference rate 77.18 and exchange rate charged 73.115.27
Total cost (%)sort descending
8.778.77
Total cost (CAD)Total cost (USD)
17.5417.54
Firm
Royal Bank of Canada
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
Medium
Fee
13.5013.50
Exchange rate margin (%)
2.54
Percentage difference between market reference rate 0.71 and exchange rate charged 0.702.54
Total cost (%)sort descending
9.299.29
Total cost (CAD)Total cost (USD)
18.5818.58
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
12.9912.99
Exchange rate margin (%)
3.66
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.66
Total cost (%)sort descending
10.1510.15
Total cost (CAD)Total cost (USD)
20.3020.30
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
10.0010.00
Exchange rate margin (%)
5.27
Percentage difference between market reference rate 77.18 and exchange rate charged 73.115.27
Total cost (%)sort descending
10.2710.27
Total cost (CAD)Total cost (USD)
20.5420.54
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
15.0015.00
Exchange rate margin (%)
3.00
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.00
Total cost (%)sort descending
10.5010.50
Total cost (CAD)Total cost (USD)
21.0021.00
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
20.0020.00
Exchange rate margin (%)
3.61
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.61
Total cost (%)sort descending
13.6113.61
Total cost (CAD)Total cost (USD)
27.2227.22
Firm
This RSP is not transparent: the exchange rate applied to the transaction was not disclosed. The 0% in the exchange rate margin does NOT necessarily mean that there is no exchange rate cost, but rather that this cost is not disclosed to the sender at the time of sending.
CAM
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
Medium
Fee
11.5011.50
Exchange rate margin (%)
0.00
Percentage difference between market reference rate 1.00 and exchange rate charged 1.000.00
Total cost (%)sort descending
5.755.75
Total cost (CAD)Total cost (USD)
11.5011.50
Total Average Second Quarter
7.837.83
Total Average First Quarter
10.0610.06
Total Average
Fee
9.689.68
Exchange Rate Margin (%)
2.992.99
Total Cost Percent (%)
7.837.83
Total Cost (CAD) Total Cost (USD)
15.6615.66
Non-Transparent records
Bank account transfer Debit/credit card Cash
Less than one hour Same day
Bank account Cash
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
4.994.99
Exchange rate margin (%)
1.69
Percentage difference between market reference rate 0.71 and exchange rate charged 0.701.69
Total cost (%)
2.692.69
Total cost (CAD)Total cost (USD)
13.4513.45
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
10.9910.99
Exchange rate margin (%)
1.69
Percentage difference between market reference rate 0.71 and exchange rate charged 0.701.69
Total cost (%)
3.893.89
Total cost (CAD)Total cost (USD)
19.4519.45
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Low
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
4.994.99
Exchange rate margin (%)
2.06
Percentage difference between market reference rate 0.71 and exchange rate charged 0.702.06
Total cost (%)
3.063.06
Total cost (CAD)Total cost (USD)
15.3015.30
Firm
Unitransfer
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
26.8026.80
Exchange rate margin (%)
0.55
Percentage difference between market reference rate 0.71 and exchange rate charged 0.710.55
Total cost (%)
5.915.91
Total cost (CAD)Total cost (USD)
29.5529.55
Firm
ScotiaBank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
Low
Fee
5.005.00
Exchange rate margin (%)
4.74
Percentage difference between market reference rate 0.71 and exchange rate charged 0.684.74
Total cost (%)
5.745.74
Total cost (CAD)Total cost (USD)
28.7028.70
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 (%)
3.92
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.92
Total cost (%)
5.325.32
Total cost (CAD)Total cost (USD)
26.6026.60
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
9.009.00
Exchange rate margin (%)
3.92
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.92
Total cost (%)
5.725.72
Total cost (CAD)Total cost (USD)
28.6028.60
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
7.007.00
Exchange rate margin (%)
5.27
Percentage difference between market reference rate 77.18 and exchange rate charged 73.115.27
Total cost (%)
6.676.67
Total cost (CAD)Total cost (USD)
33.3533.35
Firm
Royal Bank of Canada
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
Medium
Fee
13.5013.50
Exchange rate margin (%)
2.54
Percentage difference between market reference rate 0.71 and exchange rate charged 0.702.54
Total cost (%)
5.245.24
Total cost (CAD)Total cost (USD)
26.2026.20
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
15.9915.99
Exchange rate margin (%)
3.66
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.66
Total cost (%)
6.866.86
Total cost (CAD)Total cost (USD)
34.3034.30
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 (%)
5.27
Percentage difference between market reference rate 77.18 and exchange rate charged 73.115.27
Total cost (%)
8.278.27
Total cost (CAD)Total cost (USD)
41.3541.35
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
20.0020.00
Exchange rate margin (%)
3.00
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.00
Total cost (%)
7.007.00
Total cost (CAD)Total cost (USD)
35.0035.00
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
30.0030.00
Exchange rate margin (%)
3.61
Percentage difference between market reference rate 0.71 and exchange rate charged 0.693.61
Total cost (%)
9.619.61
Total cost (CAD)Total cost (USD)
48.0548.05
Firm
This RSP is not transparent: the exchange rate applied to the transaction was not disclosed. The 0% in the exchange rate margin does NOT necessarily mean that there is no exchange rate cost, but rather that this cost is not disclosed to the sender at the time of sending.
CAM
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
Medium
Fee
31.5031.50
Exchange rate margin (%)
0.00
Percentage difference between market reference rate 1.00 and exchange rate charged 1.000.00
Total cost (%)
6.306.30
Total cost (CAD)Total cost (USD)
31.5031.50
Total Average Second Quarter
5.885.88
Total Average First Quarter
7.487.48
Total Average
Fee
14.4114.41
Exchange Rate Margin (%)
2.992.99
Total Cost Percent (%)
5.885.88
Total Cost (CAD) Total Cost (USD)
29.3929.39
Non-Transparent records
Bank account transfer Debit/credit card Cash
Less than one hour Same day
Bank account Cash
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