Pricing
Two numbers, both shown before you pay: a transfer fee and an exchange rate. Nothing else is added.
$1.99 on bank-funded transfers. Card-funded transfers carry a higher fee because card networks charge us more. Your first transfer is free.
Our rate includes a margin over the wholesale rate. The margin is already in the rate you see — we never adjust it after you confirm.
| How you pay | Fee | Funds clear | Best for |
|---|---|---|---|
| Bank transfer / Faster Payments | $1.99 | Minutes | Everyone — this is the default |
| Direct debit / pre-authorised debit | $1.99 | 1–3 working days | Recurring monthly sends |
| Debit card | $3.49 | Instant | Urgent one-off transfers |
| Credit card | 1.9% + $1.99 | Instant | Rarely — your card issuer may treat it as a cash advance |
| Country | Currency | Rate per 1 CAD | $500 becomes | Arrives |
|---|---|---|---|---|
 Pakistan |
PKR | 391.20 | 195,600.00 | Minutes |
 India |
INR | 111.85 | 55,925.00 | Minutes |
 Bangladesh |
BDT | 148.50 | 74,250.00 | Minutes |
 Nigeria |
NGN | 2,280.00 | 1,140,000.00 | Minutes |
 Ghana |
GHS | 16.35 | 8,175.00 | Minutes |
 Cameroon |
XAF | 795.40 | 397,700.00 | Minutes |
 Senegal |
XOF | 795.40 | 397,700.00 | Minutes |
 Gambia |
GMD | 92.80 | 46,400.00 | Same day |
 Zambia |
ZMW | 34.20 | 17,100.00 | Same day |