Mid-market rate 1 CAD = 0.731188 USD (ECB reference, 2026-04-28). Below: how much us dollar the recipient actually receives at three common send sizes, after each provider's margin + fixed fee.
At a $5K-equivalent transfer, Wise delivers $78.33 more to the recipient than Western Union — a 2.15% end-to-end difference.
| Provider | Recipient gets | Total cost |
|---|---|---|
RevolutCheapest App-native; free within plan limits, then ~0.5–1% margin. | $727.53 | CA$5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | $726.40 | CA$6.54 0.65% |
Xe Established broker; competitive on mid-size transfers. | $724.24 | CA$9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $708.03 | CA$31.67 3.17% |
OFXBelow min No fixed fee; B2B-grade margins on $1K+ transfers. | — | — |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | $3,638.00 | CA$24.54 0.49% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | $3,637.66 | CA$25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | $3,624.87 | CA$42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | $3,621.21 | CA$47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $3,559.67 | CA$131.67 2.63% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | $7,277.49 | CA$47.04 0.47% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | $7,275.32 | CA$50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | $7,249.73 | CA$85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | $7,242.42 | CA$95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $7,124.21 | CA$256.67 2.57% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
For each provider:
Provider margins are typical retail-customer figures observed on each provider's own price calculator across major corridors (last reviewed 2026-04-29). They vary by corridor, time of day, payment method, and account tier — get a real-time quote at the “Quote” link in the table for your exact transfer.
We assume bank-funded online transfers, which is the cheapest path everywhere we sampled. Debit / credit-card funding adds 1–3% on top across providers. Western Union's walk-in cash price is meaningfully worse than online; we model online.
Provider links are nofollow + sponsored. Not financial advice. See disclaimer.