Mid-market rate 1 USD = 1.367637 CAD (ECB reference, 2026-04-28). Below: how much canadian dollar the recipient actually receives at three common send sizes, after each provider's margin + fixed fee.
At a $5K-equivalent transfer, Wise delivers CA$144.81 more to the recipient than Western Union — a 2.13% end-to-end difference.
| Provider | Recipient gets | Total cost |
|---|---|---|
RevolutCheapest App-native; free within plan limits, then ~0.5–1% margin. | CA$1,360.80 | $5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | CA$1,359.44 | $5.99 0.6% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | CA$1,356.01 | $8.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | CA$1,354.64 | $9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | CA$1,326.78 | $29.87 2.99% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | CA$6,805.37 | $23.99 0.48% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | CA$6,803.99 | $25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | CA$6,780.06 | $42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | CA$6,773.22 | $47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | CA$6,660.56 | $129.88 2.6% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | CA$13,612.78 | $46.49 0.46% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | CA$13,607.99 | $50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | CA$13,560.12 | $85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | CA$13,546.44 | $95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | CA$13,327.79 | $254.88 2.55% |
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.