How to send money to Samoa from Canada with the best CAD-WST rate

OFX is the cheapest way to send money from Canada to Samoa based on the 4 companies we analyzed, giving your recipient 1,955.33 WST from CA$1,000.

Best companies for CAD/WST transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 1,000 CAD transfer

Best companies for CAD/WST transfers

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Wise

Pay via Bank Transfer
Fees: $60.81 1 CAD = 1.9558 WST +0.63% vs mid-market Recipient gets WST 1,836.82 Within a week
Receive to bank accountDedicated support for large transfers

Ways to receive money in Samoa with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$60.811 CAD = 1.9558 WST
WST 1,836.82You pay$1,000.00
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Remitly

Pay via Debit Card
Fees: $0.00 1 CAD = 1.9022 WST +3.41% vs mid-market Recipient gets WST 1,902.20 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Samoa with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 CAD = 1.9022 WST
WST 1,902.20You pay$1,000.00

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Showing top Canada to Samoa deals for 1,000 CAD. Do a live search with your exact amount for today's best rates.

OFX

Pay via Bank Transfer
Fees: $0.00 1 CAD = 1.9553 WST +0.65% vs mid-market Recipient gets WST 1,955.33 6-12 Hours
Cheapest
Receive to bank account

Ways to receive money in Samoa with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 1.9553 WST
WST 1,955.33You pay$1,000.00

Remitly

Pay via Debit Card
Fees: $0.00 1 CAD = 1.9022 WST +3.41% vs mid-market Recipient gets WST 1,902.20 Within minutes
Fastest
Receive to bank account or cash pickup

Ways to receive money in Samoa with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 CAD = 1.9022 WST
WST 1,902.20You pay$1,000.00

Remitly

Pay via Bank Transfer
Fees: $0.00 1 CAD = 1.9022 WST +3.41% vs mid-market Recipient gets WST 1,902.20 Within a week
Receive to bank account or cash pickup

Ways to receive money in Samoa with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 CAD = 1.9022 WST
WST 1,902.20You pay$1,000.00

Remitly

Pay via Interac
Fees: $0.00 1 CAD = 1.9022 WST +3.41% vs mid-market Recipient gets WST 1,902.20 Within a week
Receive to bank account or cash pickup

Ways to receive money in Samoa with Remitly when paying by interac.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 CAD = 1.9022 WST
WST 1,902.20You pay$1,000.00

Remitly

Pay via Credit Card
Fees: $20.00 1 CAD = 1.9022 WST +3.41% vs mid-market Recipient gets WST 1,902.20 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Samoa with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$20.001 CAD = 1.9022 WST
WST 1,902.20You pay$1,020.00
$0 fee on first online transfers

MoneyGram

Pay via Debit Card
Fees: $1.99 1 CAD = 1.8971 WST +3.68% vs mid-market Recipient gets WST 1,897.10 6-12 Hours

Ways to receive money in Samoa with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile wallet6-12 HoursAvailable via:Select Wallets
$1.991 CAD = 1.8971 WST
WST 1,897.10You pay$1,001.99
Cash pickup6-12 Hours
$5.991 CAD = 1.8971 WST
WST 1,897.10You pay$1,005.99
$0 fee on first online transfers

MoneyGram

Pay via Credit Card
Fees: $1.99 1 CAD = 1.8971 WST +3.68% vs mid-market Recipient gets WST 1,897.10 6-12 Hours

Ways to receive money in Samoa with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Mobile wallet6-12 HoursAvailable via:Select Wallets
$1.991 CAD = 1.8971 WST
WST 1,897.10You pay$1,001.99
Cash pickup6-12 Hours
$5.991 CAD = 1.8971 WST
WST 1,897.10You pay$1,005.99
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fees: $1.99 1 CAD = 1.8971 WST +3.68% vs mid-market Recipient gets WST 1,897.10 6-12 Hours

Ways to receive money in Samoa with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Mobile wallet6-12 HoursAvailable via:Select Wallets
$1.991 CAD = 1.8971 WST
WST 1,897.10You pay$1,001.99
Cash pickup6-12 Hours
$5.991 CAD = 1.8971 WST
WST 1,897.10You pay$1,005.99

Wise

Pay via Bank Transfer
Fees: $60.81 1 CAD = 1.9558 WST +0.63% vs mid-market Recipient gets WST 1,836.82 Within a week
Recommended
Receive to bank accountDedicated support for large transfers

Ways to receive money in Samoa with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$60.811 CAD = 1.9558 WST
WST 1,836.82You pay$1,000.00

Wise

Pay via Interac
Fees: $66.21 1 CAD = 1.9558 WST +0.63% vs mid-market Recipient gets WST 1,826.26 Within a week
Receive to bank accountDedicated support for large transfers

Ways to receive money in Samoa with Wise when paying by interac.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$66.211 CAD = 1.9558 WST
WST 1,826.26You pay$1,000.00

Wise

Pay via Debit Card
Fees: $70.78 1 CAD = 1.9558 WST +0.63% vs mid-market Recipient gets WST 1,817.32 Within a week
Receive to bank accountDedicated support for large transfers

Ways to receive money in Samoa with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$70.781 CAD = 1.9558 WST
WST 1,817.32You pay$1,000.00

Wise

Pay via Credit Card
Fees: $84.14 1 CAD = 1.9558 WST +0.63% vs mid-market Recipient gets WST 1,791.19 Within a week
Receive to bank accountDedicated support for large transfers

Ways to receive money in Samoa with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$84.141 CAD = 1.9558 WST
WST 1,791.19You pay$1,000.00
How Our Results Work
Mid-market rate: 1 CAD = 1.9681 WST Updates every 60 minutes.

How to send money from Canada to Samoa

Pick a company

Start with the cheapest, which is OFX at 1,955.33 WST on CA$1,000.

OFX was the cheapest on 30 of the 30 days it quoted CA$1,000 transfers to Samoa.

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 bank transfer, debit card, credit card, 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 Samoa?

How much CAD you send to Samoa 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 OFX was the cheapest in 100% of the transfers up to C$1,000 it quoted, and in 60% of all the transfers it quoted.

Cheapest service
$1003.43%$0.00WST 190.24with debit card to bank deposit+WST 11.61
$5000.65%$0.00WST 978.00with bank transfer to bank deposit+WST 43.45
$1,000This page0.65%$0.00WST 1,955.33with bank transfer to bank deposit+WST 78.08
$3,0000.65%$0.00WST 5,868.21with bank transfer to bank deposit+WST 218.91
$10,0000.27%$0.00WST 19,630.99with bank transfer to bank deposit+WST 652.66
$50,0000.25%$0.00WST 98,195.25with bank transfer to bank deposit+WST 3,047.17

Mid-market rate: 1 CAD = 1.9681 WST

CAD/WST Exchange Rate History

Is today a good time to send money from Canada to Samoa?

The cheapest way to send CAD to WST 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 OFX), across 30 days of comparisons for 1,000 CAD transfers to Samoa.

WST received for $1,000, after fees

Wed, Oct 28, 2026Mid-market rateWST 1,968.13 OFX WST 1,955.33OFXWST 1,955.33RemitlyWST 1,902.20MoneyGramWST 1,897.10

1,860
1,880
1,900
1,920
1,940
1,960
1,980
2,000
At the mid-market rateWith the cheapest optionOFXRemitlyMoneyGram
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9522 – WST 1,952.24
OFX Cheapest 1.9396 $0.00 WST 1,939.55 −WST 12.69
Remitly 1.9069 $0.00 WST 1,906.90 −WST 45.34
MoneyGram 1.8800 $1.99 WST 1,880.00 −WST 72.24
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9516 – WST 1,951.55
OFX Cheapest 1.9389 $0.00 WST 1,938.87 −WST 12.68
Remitly 1.8871 $0.00 WST 1,887.10 −WST 64.45
MoneyGram 1.8796 $1.99 WST 1,879.60 −WST 71.95
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9490 – WST 1,949.02
OFX Cheapest 1.9364 $0.00 WST 1,936.36 −WST 12.66
MoneyGram 1.8847 $1.99 WST 1,884.70 −WST 64.32
Remitly 1.8821 $0.00 WST 1,882.10 −WST 66.92
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9558 – WST 1,955.75
OFX Cheapest 1.9430 $0.00 WST 1,943.04 −WST 12.71
Remitly 1.8904 $0.00 WST 1,890.40 −WST 65.35
MoneyGram 1.8804 $1.99 WST 1,880.40 −WST 75.35
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9572 – WST 1,957.17
OFX Cheapest 1.9445 $0.00 WST 1,944.45 −WST 12.72
Remitly 1.8962 $0.00 WST 1,896.20 −WST 60.97
MoneyGram 1.8825 $1.99 WST 1,882.50 −WST 74.67
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9570 – WST 1,956.99
OFX Cheapest 1.9443 $0.00 WST 1,944.27 −WST 12.72
Remitly 1.8962 $0.00 WST 1,896.20 −WST 60.79
MoneyGram 1.8825 $1.99 WST 1,882.50 −WST 74.49
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9536 – WST 1,953.62
OFX Cheapest 1.9409 $0.00 WST 1,940.92 −WST 12.70
Remitly 1.8798 $0.00 WST 1,879.80 −WST 73.82
MoneyGram 1.8789 $1.99 WST 1,878.90 −WST 74.72
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9527 – WST 1,952.75
OFX Cheapest 1.9401 $0.00 WST 1,940.05 −WST 12.70
Remitly 1.9053 $0.00 WST 1,905.30 −WST 47.45
MoneyGram 1.8790 $1.99 WST 1,879.00 −WST 73.75
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9570 – WST 1,957.00
OFX Cheapest 1.9443 $0.00 WST 1,944.28 −WST 12.72
Remitly 1.8843 $0.00 WST 1,884.30 −WST 72.70
MoneyGram 1.8720 $1.99 WST 1,872.00 −WST 85.00
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9533 – WST 1,953.27
OFX Cheapest 1.9406 $0.00 WST 1,940.57 −WST 12.70
Remitly 1.8835 $0.00 WST 1,883.50 −WST 69.77
MoneyGram 1.8822 $1.99 WST 1,882.20 −WST 71.07
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9596 – WST 1,959.56
OFX Cheapest 1.9468 $0.00 WST 1,946.82 −WST 12.74
Remitly 1.9154 $0.00 WST 1,915.40 −WST 44.16
MoneyGram 1.8776 $1.99 WST 1,877.60 −WST 81.96
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9531 – WST 1,953.09
OFX Cheapest 1.9404 $0.00 WST 1,940.40 −WST 12.69
Remitly 1.9009 $0.00 WST 1,900.90 −WST 52.19
MoneyGram 1.8824 $1.99 WST 1,882.40 −WST 70.69
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9531 – WST 1,953.09
OFX Cheapest 1.9404 $0.00 WST 1,940.40 −WST 12.69
Remitly 1.9009 $0.00 WST 1,900.90 −WST 52.19
MoneyGram 1.8824 $1.99 WST 1,882.40 −WST 70.69
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9557 – WST 1,955.72
OFX Cheapest 1.9430 $0.00 WST 1,943.01 −WST 12.71
Remitly 1.9028 $0.00 WST 1,902.80 −WST 52.92
MoneyGram 1.8824 $1.99 WST 1,882.40 −WST 73.32
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9464 – WST 1,946.41
OFX Cheapest 1.9338 $0.00 WST 1,933.76 −WST 12.65
Remitly 1.9139 $0.00 WST 1,913.90 −WST 32.51
MoneyGram 1.8795 $1.99 WST 1,879.50 −WST 66.91
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9630 – WST 1,963.03
OFX Cheapest 1.9503 $0.00 WST 1,950.27 −WST 12.76
Remitly 1.8924 $0.00 WST 1,892.40 −WST 70.63
MoneyGram 1.8747 $1.99 WST 1,874.70 −WST 88.33
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9567 – WST 1,956.65
OFX Cheapest 1.9439 $0.00 WST 1,943.93 −WST 12.72
Remitly 1.9158 $0.00 WST 1,915.80 −WST 40.85
MoneyGram 1.8849 $1.99 WST 1,884.90 −WST 71.75
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9619 – WST 1,961.90
OFX Cheapest 1.9491 $0.00 WST 1,949.14 −WST 12.75
Remitly 1.9005 $0.00 WST 1,900.50 −WST 61.39
MoneyGram 1.8869 $1.99 WST 1,886.90 −WST 74.99
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9691 – WST 1,969.12
OFX Cheapest 1.9563 $0.00 WST 1,956.32 −WST 12.80
Remitly 1.9153 $0.00 WST 1,915.30 −WST 53.82
MoneyGram 1.8922 $1.99 WST 1,892.20 −WST 76.92
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9691 – WST 1,969.15
OFX Cheapest 1.9564 $0.00 WST 1,956.35 −WST 12.80
Remitly 1.9153 $0.00 WST 1,915.30 −WST 53.85
MoneyGram 1.8922 $1.99 WST 1,892.20 −WST 76.95
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9779 – WST 1,977.93
OFX Cheapest 1.9651 $0.00 WST 1,965.07 −WST 12.86
Remitly 1.9270 $0.00 WST 1,927.00 −WST 50.93
MoneyGram 1.8830 $1.99 WST 1,883.00 −WST 94.93
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9694 – WST 1,969.42
OFX Cheapest 1.9566 $0.00 WST 1,956.62 −WST 12.80
Remitly 1.9046 $0.00 WST 1,904.60 −WST 64.82
MoneyGram 1.8919 $1.99 WST 1,891.90 −WST 77.52
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9734 – WST 1,973.45
OFX Cheapest 1.9606 $0.00 WST 1,960.62 −WST 12.83
Remitly 1.9040 $0.00 WST 1,904.00 −WST 69.45
MoneyGram 1.8939 $1.99 WST 1,893.90 −WST 79.55
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9789 – WST 1,978.85
OFX Cheapest 1.9660 $0.00 WST 1,965.99 −WST 12.86
Remitly 1.9060 $0.00 WST 1,906.00 −WST 72.85
MoneyGram 1.8909 $1.99 WST 1,890.90 −WST 87.95
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9724 – WST 1,972.43
OFX Cheapest 1.9596 $0.00 WST 1,959.61 −WST 12.82
Remitly 1.9092 $0.00 WST 1,909.20 −WST 63.23
MoneyGram 1.8976 $1.99 WST 1,897.60 −WST 74.83
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9766 – WST 1,976.56
OFX Cheapest 1.9637 $0.00 WST 1,963.72 −WST 12.84
Remitly 1.9224 $0.00 WST 1,922.40 −WST 54.16
MoneyGram 1.8999 $1.99 WST 1,899.90 −WST 76.66
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9766 – WST 1,976.64
OFX Cheapest 1.9638 $0.00 WST 1,963.79 −WST 12.85
Remitly 1.9224 $0.00 WST 1,922.40 −WST 54.24
MoneyGram 1.8999 $1.99 WST 1,899.90 −WST 76.74
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9757 – WST 1,975.71
OFX Cheapest 1.9629 $0.00 WST 1,962.87 −WST 12.84
Remitly 1.9074 $0.00 WST 1,907.40 −WST 68.31
MoneyGram 1.8979 $1.99 WST 1,897.90 −WST 77.81
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9719 – WST 1,971.86
OFX Cheapest 1.9590 $0.00 WST 1,959.04 −WST 12.82
Remitly 1.9084 $0.00 WST 1,908.40 −WST 63.46
MoneyGram 1.8983 $1.99 WST 1,898.30 −WST 73.56
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.9681 – WST 1,968.13
OFX Cheapest 1.9553 $0.00 WST 1,955.33 −WST 12.80
Remitly 1.9022 $0.00 WST 1,902.20 −WST 65.93
MoneyGram 1.8971 $1.99 WST 1,897.10 −WST 71.03

Exchange rateFees:Recipient getsDifference

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 WST 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 WST on every transfer from Canada.

Right now, OFX pays 1,955.33 WST on 1,000 CAD, which is 12.8 WST less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,965.99 WST.

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 Samoa.

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

  1. OFXAppeared in 150 comparisons

    Cheapest in 60% of them

  2. RemitlyAppeared in 110 comparisons

    Cheapest in 26% of them

  3. MoneyGramAppeared in 178 comparisons

    Cheapest in 1% 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 OFX is the cheapest and gets you the most WST, and it was also the cheapest in 60% of the 150 comparisons it appeared in over the past month.

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

Remitly (today's second cheapest) was the cheapest in only 26% of its comparisons, so it's rarely the cheapest option for transfers to Samoa.

Ways to send money from Canada to Samoa

There are 4 companies sending money to Samoa, 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 1,902.2 WST within minutes.

Our data shows Remitly came out cheapest among in-person options on 87% of days in the past month.

Cash transfers cost more

Cash transfer to Samoa 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.

Remitly charges CA$0 in fees and adds 3.41% markup, so your CA$1,000 delivers 1,902.2 WST in within an hour.

Over the past month, Remitly was the cheapest app on 87% 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 4 companies we compared, Remitly is the cheapest online service and currently gets you 1,902.2 WST on a CA$1,000 transfer after a CA$0 fee and 3.41% markup.

In our comparisons over the past month, it was the cheapest online service on 26 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.

Brokers like OFX charge no fees but add 0.65% on CAD/WST interbank rate.

The markup gets lower the more you send, with an account manager handling it end to end.

Our analysis shows OFX was the cheapest broker in 60% of all the transfers it quoted.

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 WST.

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

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in WST, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Wise lets you hold CAD and WST, and convert between them at low cost.

For example, converting $1,000 costs $60.81 in fees at 0.63% markup, which gets you 1,836.82 WST.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund CAD and receive WST in Samoa

With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 1,955.33 WST.

Deposit CAD using bank transfer, debit card, credit card, 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 WST through bank deposit, mobile wallet, and cash pickup.

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

  1. 1
    Bank transfer Bank deposit

    You pay CA$1,000.00

    WS$1,955

    Cheapest

  2. 2
    debit card Bank deposit

    You pay CA$1,000.00

    WS$1,902

    -WS$53

  3. 3
    Interac Bank deposit

    You pay CA$1,000.00

    WS$1,902

    -WS$53

  4. 4
    credit card Bank deposit

    You pay CA$1,020.00

    WS$1,902

    -WS$53

  5. 5
    debit card Mobile wallet

    You pay CA$1,001.99

    WS$1,897

    -WS$58

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  1. 6
    debit card Cash pickup

    You pay CA$1,005.99

    WS$1,897

    -WS$58

  2. 7
    credit card Mobile wallet

    You pay CA$1,001.99

    WS$1,897

    -WS$58

  3. 8
    credit card Cash pickup

    You pay CA$1,005.99

    WS$1,897

    -WS$58

  4. 9
    Cash deposit Mobile wallet

    You pay CA$1,001.99

    WS$1,897

    -WS$58

  5. 10
    Cash deposit Cash pickup

    You pay CA$1,005.99

    WS$1,897

    -WS$58

Consider this when sending CAD to Samoa

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/WST transfer options

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

Best way to send money to Samoa

OFX is the cheapest and easiest option, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,955.33 WST, which is 2.72% more than the next best option.

Fastest way to send money to Samoa

Remitly is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 1,902.2 WST in within an hour.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Samoa.

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 4 FINTRAC-registered companies sending CAD to Samoa, 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/WST 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.