Best companies for CAD/XCD transfers
3 of 3 providers Last updated on 28 October 2026
Based on 1,000 CAD transfer Best companies for CAD/XCD transfers Sort Cheapest
Ad Remitly Pay via Debit Card	Fees: $0.00 1 CAD = 1.8922 XCD +1.55% vs mid-market	Recipient gets $1,892.20 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Antigua and Barbuda with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 1.8922 XCD $1,892.20You pay$1,000.00
Run a live search Showing top Canada to Antigua and Barbuda deals for 1,000 CAD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live CAD to XCD rates.
Run a live search These companies offer multi-currency accounts for spending XCD. We suggest doing a live search based on how much CAD you're planning to spend in Antigua and Barbuda.
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal.
Paysend Pay via Debit Card	Fees: $0.00 1 CAD = 1.9032 XCD +0.97% vs mid-market	Recipient gets $1,903.24 6-12 Hours
0 reviews Cheapest
Ways to receive money in Antigua and Barbuda with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.9032 XCD $1,903.24You pay$1,000.00

Paysend Pay via Credit Card	Fees: $0.00 1 CAD = 1.9032 XCD +0.97% vs mid-market	Recipient gets $1,903.24 6-12 Hours
0 reviews
Ways to receive money in Antigua and Barbuda with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.9032 XCD $1,903.24You pay$1,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 CAD = 1.8922 XCD +1.55% vs mid-market	Recipient gets $1,892.20 Within minutes
15 reviews FastestRecommended Receive to bank account or cash pickup
Ways to receive money in Antigua and Barbuda with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 1.8922 XCD $1,892.20You pay$1,000.00

Remitly Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.8922 XCD +1.55% vs mid-market	Recipient gets $1,892.20 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in Antigua and Barbuda with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 1.8922 XCD $1,892.20You pay$1,000.00
Remitly Pay via Interac	Fees: $0.00 1 CAD = 1.8922 XCD +1.55% vs mid-market	Recipient gets $1,892.20 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in Antigua and Barbuda with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 1.8922 XCD $1,892.20You pay$1,000.00
Remitly Pay via Credit Card	Fees: $20.00 1 CAD = 1.8922 XCD +1.55% vs mid-market	Recipient gets $1,892.20 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Antigua and Barbuda with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $20.001 CAD = 1.8922 XCD $1,892.20You pay$1,020.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $5.99 1 CAD = 1.8788 XCD +2.26% vs mid-market	Recipient gets $1,878.80 6-12 Hours
2 reviews
Ways to receive money in Antigua and Barbuda with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 1.8788 XCD $1,878.80You pay$1,005.99

$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $5.99 1 CAD = 1.8788 XCD +2.26% vs mid-market	Recipient gets $1,878.80 6-12 Hours
2 reviews
Ways to receive money in Antigua and Barbuda with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 1.8788 XCD $1,878.80You pay$1,005.99
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fees: $5.99 1 CAD = 1.8788 XCD +2.26% vs mid-market	Recipient gets $1,878.80 6-12 Hours
2 reviews
Ways to receive money in Antigua and Barbuda with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 1.8788 XCD $1,878.80You pay$1,005.99
How Our Results Work Mid-market rate: 1 CAD = 1.9218 XCD Updates every 60 minutes.

Why compare

CAD/XCD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Canada to Antigua and Barbuda

Pick a company

Start with the cheapest, which is Paysend at 1,903.24 XCD on CA$1,000.

Paysend was the cheapest on 30 of the 30 days it quoted CA$1,000 transfers to Antigua and Barbuda.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 5 ways to pay, including debit card, credit card, bank transfer, interac, and cash deposit.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to Antigua and Barbuda?

How much CAD you send to Antigua and Barbuda heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Paysend was the cheapest in 100% of the transfers up to C$1,000 it quoted, and in 100% of all the transfers it quoted.


$100	0.96%	$0.00	$190.40with debit card to bank deposit	+$1.33
$500	1.00%	$0.00	$951.62with debit card to bank deposit	+$6.35
$1,000This page	0.97%	$0.00	$1,903.24with debit card to bank deposit	+$13.05
$3,000	1.60%	$0.00	$5,675.40with debit card to bank deposit	+$16.71
$10,000	0.27%	$0.00	$19,167.06with bank transfer to bank deposit	+$284.30
$50,000	0.25%	$0.00	$95,877.36with bank transfer to bank deposit	+$1,453.02

Mid-market rate: 1 CAD = 1.9218 XCD

CAD/XCD Exchange Rate History

Is today a good time to send money from Canada to Antigua and Barbuda?

The cheapest way to send CAD to XCD can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Paysend), across 30 days of comparisons for 1,000 CAD transfers to Antigua and Barbuda.

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more XCD per CAD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of XCD on every transfer from Canada.

Right now, Paysend pays 1,903.24 XCD on 1,000 CAD, which is 18.59 XCD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,911.26 XCD.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Antigua and Barbuda.

We've tracked 180 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

PaysendAppeared in 90 comparisons
Cheapest every time
RemitlyAppeared in 95 comparisons
Cheapest in 17% of them
MoneyGramAppeared in 168 comparisons
Cheapest in 7% of them

Based on 180 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Paysend is the cheapest and gets you the most XCD, and it was also the cheapest in 100% of the 90 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Antigua and Barbuda.

Remitly (today's second cheapest) was the cheapest in only 17% of its comparisons, so it's rarely the cheapest option for transfers to Antigua and Barbuda.

Ways to send money from Canada to Antigua and Barbuda

There are 3 companies sending money to Antigua and Barbuda, but how you send depends on your needs.

Most common option

In-person transfers

Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.

Bring CA$1,000 in cash to the closest Remitly location, and your recipient picks up 1,892.2 XCD within minutes.

Our data shows Remitly came out cheapest among in-person options on 100% of days in the past month.

Cash transfers cost more

Cash transfer to Antigua and Barbuda is usually the most expensive option, compare your options above to get the best deal.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Paysend charges CA$0 in fees and adds 0.97% markup, so your CA$1,000 delivers 1,903.24 XCD in 6-12 hours.

Over the past month, Paysend was the cheapest app on 100% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 3 companies we compared, Paysend is the cheapest online service and currently gets you 1,903.24 XCD on a CA$1,000 transfer after a CA$0 fee and 0.97% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

For large transfers (CA$15,000+), brokers like Currencies Direct or RegencyFX charge no fee, but add a margin that gets lower the more you send. Run a live search with your real amount to see it.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in XCD.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

Ways to fund CAD and receive XCD in Antigua and Barbuda

With Paysend, paying by debit card and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 1,903.24 XCD.

Deposit CAD using debit card, credit card, bank transfer, interac, and cash deposit.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive XCD through bank deposit and cash pickup.

For a bank deposit payout, you will need the recipient's bank details in Antigua and Barbuda.

1

debit card Bank deposit

You pay CA$1,000.00

EC$1,903

Cheapest
2

credit card Bank deposit

You pay CA$1,000.00

EC$1,903

EC$0
3

Bank transfer Bank deposit

You pay CA$1,000.00

EC$1,892

-EC$11
4

Interac Bank deposit

You pay CA$1,000.00

EC$1,892

-EC$11
5

debit card Cash pickup

You pay CA$1,005.99

EC$1,879

-EC$24

Show moreShow less

6

credit card Cash pickup

You pay CA$1,005.99

EC$1,879

-EC$24
7

Cash deposit Cash pickup

You pay CA$1,005.99

EC$1,879

-EC$24

Consider this when sending CAD to Antigua and Barbuda

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/XCD transfer options

For a CA$1,000 transfer to Antigua and Barbuda, these are the cheapest, fastest and easiest options available now.

Best way to send money to Antigua and Barbuda

Paysend is the cheapest and easiest option, funded by debit card with bank deposit for the payout. Your recipient gets 1,903.24 XCD, which is 0.58% more than the next best option.

Fastest way to send money to Antigua and Barbuda

Remitly is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 1,892.2 XCD in within an hour.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Antigua and Barbuda.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 3 FINTRAC-registered companies sending CAD to Antigua and Barbuda, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 180 comparisons across 6 amounts.

This page covers the cheapest and fastest options for CAD/XCD transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Canada

Send money to Antigua and Barbuda

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Tue, Sep 29, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9052	–	$1,905.21
Paysend Cheapest	1.8867	$0.00	$1,886.74	−$18.47
Remitly	1.8676	$0.00	$1,867.60	−$37.61
MoneyGram	1.8603	$5.99	$1,860.30	−$44.91

Wed, Sep 30, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9053	–	$1,905.28
Paysend Cheapest	1.8870	$0.00	$1,887.01	−$18.27
Remitly	1.8683	$0.00	$1,868.30	−$36.98
MoneyGram	1.8554	$5.99	$1,855.40	−$49.88

Thu, Oct 1, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8976	–	$1,897.57
Paysend Cheapest	1.8788	$0.00	$1,878.79	−$18.78
Remitly	1.8596	$0.00	$1,859.60	−$37.97
MoneyGram	1.8573	$5.99	$1,857.30	−$40.27

Fri, Oct 2, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9008	–	$1,900.76
Paysend Cheapest	1.8826	$0.00	$1,882.63	−$18.13
Remitly	1.8636	$0.00	$1,863.60	−$37.16
MoneyGram	1.8481	$5.99	$1,848.10	−$52.66

Sat, Oct 3, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8967	–	$1,896.73
Paysend Cheapest	1.8783	$0.00	$1,878.27	−$18.46
Remitly	1.8589	$0.00	$1,858.90	−$37.83
MoneyGram	1.8502	$5.99	$1,850.20	−$46.53

Sun, Oct 4, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8966	–	$1,896.59
Paysend Cheapest	1.8783	$0.00	$1,878.27	−$18.32
Remitly	1.8589	$0.00	$1,858.90	−$37.69
MoneyGram	1.8502	$5.99	$1,850.20	−$46.39

Mon, Oct 5, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8934	–	$1,893.38
Paysend Cheapest	1.8750	$0.00	$1,874.98	−$18.40
Remitly	1.8555	$0.00	$1,855.50	−$37.88
MoneyGram	1.8502	$5.99	$1,850.20	−$43.18

Tue, Oct 6, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8925	–	$1,892.55
Paysend Cheapest	1.8745	$0.00	$1,874.45	−$18.10
Remitly	1.8552	$0.00	$1,855.20	−$37.35
MoneyGram	1.8487	$5.99	$1,848.70	−$43.85

Wed, Oct 7, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9003	–	$1,900.33
Paysend Cheapest	1.8822	$0.00	$1,882.23	−$18.10
Remitly	1.8634	$0.00	$1,863.40	−$36.93
MoneyGram	1.8459	$5.99	$1,845.90	−$54.43

Thu, Oct 8, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8955	–	$1,895.48
Paysend Cheapest	1.8772	$0.00	$1,877.21	−$18.27
Remitly	1.8578	$0.00	$1,857.80	−$37.68
MoneyGram	1.8518	$5.99	$1,851.80	−$43.68

Fri, Oct 9, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9012	–	$1,901.24
Paysend Cheapest	1.8829	$0.00	$1,882.89	−$18.35
Remitly	1.8638	$0.00	$1,863.80	−$37.44
MoneyGram	1.8468	$5.99	$1,846.80	−$54.44

Sat, Oct 10, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8949	–	$1,894.93
Paysend Cheapest	1.8774	$0.00	$1,877.41	−$17.51
Remitly	1.8581	$0.00	$1,858.10	−$36.83
MoneyGram	1.8516	$5.99	$1,851.60	−$43.33

Mon, Oct 12, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.8977	–	$1,897.69
Paysend Cheapest	1.8796	$0.00	$1,879.59	−$18.10
Remitly	1.8630	$0.00	$1,863.00	−$34.69
MoneyGram	1.8516	$5.99	$1,851.60	−$46.09

Tue, Oct 13, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	–	–	–
Paysend Cheapest	1.8762	$0.00	$1,876.16	–
Remitly	1.8574	$0.00	$1,857.40	–
MoneyGram	1.8467	$5.99	$1,846.70	–

Wed, Oct 14, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9024	–	$1,902.38
Paysend Cheapest	1.8841	$0.00	$1,884.08	−$18.30
Remitly	1.8640	$0.00	$1,864.00	−$38.38
MoneyGram	1.8470	$5.99	$1,847.00	−$55.38

Thu, Oct 15, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9008	–	$1,900.80
Paysend Cheapest	1.8825	$0.00	$1,882.49	−$18.31
Remitly	1.8632	$0.00	$1,863.20	−$37.60
MoneyGram	1.8530	$5.99	$1,853.00	−$47.80

Fri, Oct 16, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9066	–	$1,906.64
Paysend Cheapest	1.8886	$0.00	$1,888.60	−$18.04
Remitly	1.8689	$0.00	$1,868.90	−$37.73
MoneyGram	1.8550	$5.99	$1,855.00	−$51.63

Sat, Oct 17, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9089	–	$1,908.92
Paysend Cheapest	1.8930	$0.00	$1,893.01	−$15.91
Remitly	1.8799	$0.00	$1,879.90	−$29.02
MoneyGram	1.8602	$5.99	$1,860.20	−$48.72

Mon, Oct 19, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9168	–	$1,916.76
Paysend Cheapest	1.8981	$0.00	$1,898.11	−$18.65
Remitly	1.8867	$0.00	$1,886.70	−$30.06
MoneyGram	1.8602	$5.99	$1,860.20	−$56.56

Tue, Oct 20, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9193	–	$1,919.25
Paysend Cheapest	1.9010	$0.00	$1,901.01	−$18.24
Remitly	1.8902	$0.00	$1,890.20	−$29.05
MoneyGram	1.8685	$5.99	$1,868.50	−$50.75

Wed, Oct 21, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9223	–	$1,922.30
Paysend Cheapest	1.9037	$0.00	$1,903.72	−$18.58
Remitly	1.8933	$0.00	$1,893.30	−$29.00
MoneyGram	1.8741	$5.99	$1,874.10	−$48.20

Thu, Oct 22, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9272	–	$1,927.21
Paysend Cheapest	1.9084	$0.00	$1,908.40	−$18.81
Remitly	1.8974	$0.00	$1,897.40	−$29.81
MoneyGram No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9282	–	$1,928.20
Paysend Cheapest	1.9098	$0.00	$1,909.83	−$18.37
Remitly	1.8992	$0.00	$1,899.20	−$29.00
MoneyGram	1.8788	$5.99	$1,878.80	−$49.40

Sat, Oct 24, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9300	–	$1,930.05
Paysend Cheapest	1.9113	$0.00	$1,911.26	−$18.79
Remitly	1.9010	$0.00	$1,901.00	−$29.05
MoneyGram	1.8811	$5.99	$1,881.10	−$48.95

Mon, Oct 26, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9289	–	$1,928.87
Paysend Cheapest	1.9103	$0.00	$1,910.31	−$18.56
Remitly	1.8986	$0.00	$1,898.60	−$30.27
MoneyGram	1.8811	$5.99	$1,881.10	−$47.77

How to send money to Antigua and Barbuda from Canada with the best CAD-XCD rate

Best companies for CAD/XCD transfers