OFX is the cheapest way to send money from Canada to Samoa based on the 5 companies we analyzed, giving your recipient 1,927.08 WST from $1,000.
| 5 of 5 providers Last updated on 28 September 2026 | |||
| Based on 1,000 CAD transfer Best companies for CAD/WST transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $53.42 1 CAD = 1.9421 WST -0.13% vs mid-market | Recipient gets WST 1,838.36 Within a week | |
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $53.421 CAD = 1.9421 WST WST 1,838.36You pay$1,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $1.99 1 CAD = 1.8818 WST +3.03% vs mid-market | Recipient gets WST 1,881.80 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 = 1.8818 WST WST 1,881.80You pay$1,001.99 Cash pickup6-12 Hours $5.991 CAD = 1.8818 WST WST 1,881.80You pay$1,005.99 | |||
Run a live search Showing top Canada to Samoa 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 WST rates. | |||
Run a live search These companies offer multi-currency accounts for spending WST. We suggest doing a live search based on how much CAD you're planning to spend in Samoa. | |||
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. | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 CAD = 1.9271 WST +0.65% vs mid-market | Recipient gets WST 1,927.08 6-12 Hours | |
Ways to receive money in Samoa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.9271 WST WST 1,927.08You pay$1,000.00 | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 1.8866 WST +2.77% vs mid-market | Recipient gets WST 1,886.60 2 Days | |
Ways to receive money in Samoa with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 1.8866 WST WST 1,886.60You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 1.8866 WST +2.77% vs mid-market | Recipient gets WST 1,886.60 2 Days | |
Ways to receive money in Samoa with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 CAD = 1.8866 WST WST 1,886.60You pay$1,020.00 | |||
| Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 1.8866 WST +2.77% vs mid-market | Recipient gets WST 1,886.60 2 Days | |
Ways to receive money in Samoa with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 1.8866 WST WST 1,886.60You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 1.8866 WST +2.77% vs mid-market | Recipient gets WST 1,886.60 2 Days | |
Ways to receive money in Samoa with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 1.8866 WST WST 1,886.60You pay$1,000.00 | |||
 Ria Money Transfer Pay via Debit Card | Fees: $2.00 1 CAD = 1.8900 WST +2.59% vs mid-market | Recipient gets WST 1,886.22 6-12 Hours | |
Ways to receive money in Samoa with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.001 CAD = 1.8900 WST WST 1,886.22You pay$1,000.00 Mobile wallet6-12 Hours $2.001 CAD = 1.8900 WST WST 1,886.22You pay$1,000.00 Cash pickup6-12 Hours $2.001 CAD = 1.8900 WST WST 1,886.22You pay$1,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $1.99 1 CAD = 1.8818 WST +3.03% vs mid-market | Recipient gets WST 1,881.80 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 = 1.8818 WST WST 1,881.80You pay$1,001.99 Cash pickup6-12 Hours $5.991 CAD = 1.8818 WST WST 1,881.80You pay$1,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $1.99 1 CAD = 1.8818 WST +3.03% vs mid-market | Recipient gets WST 1,881.80 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 = 1.8818 WST WST 1,881.80You pay$1,001.99 Cash pickup6-12 Hours $5.991 CAD = 1.8818 WST WST 1,881.80You pay$1,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $1.99 1 CAD = 1.8818 WST +3.03% vs mid-market | Recipient gets WST 1,881.80 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 = 1.8818 WST WST 1,881.80You pay$1,001.99 Cash pickup6-12 Hours $5.991 CAD = 1.8818 WST WST 1,881.80You pay$1,005.99 | |||
| Wise Pay via Bank Transfer | Fees: $53.42 1 CAD = 1.9421 WST -0.13% vs mid-market | Recipient gets WST 1,838.36 Within a week | |
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $53.421 CAD = 1.9421 WST WST 1,838.36You pay$1,000.00 | |||
| Wise Pay via Interac | Fees: $58.85 1 CAD = 1.9421 WST -0.13% vs mid-market | Recipient gets WST 1,827.82 Within a week | |
Ways to receive money in Samoa with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $58.851 CAD = 1.9421 WST WST 1,827.82You pay$1,000.00 | |||
| Wise Pay via Debit Card | Fees: $63.53 1 CAD = 1.9421 WST -0.13% vs mid-market | Recipient gets WST 1,818.73 Within a week | |
Ways to receive money in Samoa with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $63.531 CAD = 1.9421 WST WST 1,818.73You pay$1,000.00 | |||
| Ria Money Transfer Pay via Credit Card | Fees: $45.00 1 CAD = 1.8900 WST +2.59% vs mid-market | Recipient gets WST 1,804.95 6-12 Hours | |
Ways to receive money in Samoa with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $45.001 CAD = 1.8900 WST WST 1,804.95You pay$1,000.00 Mobile wallet6-12 Hours $45.001 CAD = 1.8900 WST WST 1,804.95You pay$1,000.00 Cash pickup6-12 Hours $45.001 CAD = 1.8900 WST WST 1,804.95You pay$1,000.00 | |||
| Wise Pay via Credit Card | Fees: $77.10 1 CAD = 1.9421 WST -0.13% vs mid-market | Recipient gets WST 1,792.37 Within a week | |
Ways to receive money in Samoa with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $77.101 CAD = 1.9421 WST WST 1,792.37You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 1.9397 WST Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is OFX at 1,927.08 WST on $1,000.
More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.
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.
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.
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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $100 | 2.78% | $0.00 | WST 188.58with debit card to bank deposit | +WST 16.07 | |
| $500 | 0.65% | $0.00 | WST 963.20with bank transfer to bank deposit | +WST 38.61 | |
| $1,000This page | 0.65% | $0.00 | WST 1,927.08with bank transfer to bank deposit | +WST 63.70 | |
| $10,000 | 0.27% | $0.00 | WST 19,340.29with bank transfer to bank deposit | +WST 493.96 | |
| $50,000 | 0.25% | $0.00 | WST 96,740.34with bank transfer to bank deposit | +WST 2,331.13 |
Mid-market rate: 1 CAD = 1.9397 WST
There are 5 companies sending money to India, but how you send depends on your needs.
Most common option
Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.
Bring $1,000 in cash to the closest Remitly location, and your recipient picks up 1,886.6 WST within minutes.
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
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 $0 in fees and adds 2.77% markup, so your $1,000 delivers 1,886.6 WST in 2 days.
You don't need a SIN to sign up either, a passport works.
For one-off transfers
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of 5 online companies, Remitly is the cheapest and currently gets you 1,886.6 WST on a $1,000 transfer after a $0 fee and 2.77% markup.
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
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.
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 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
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 $53.42 in fees at -0.12% markup, which gets you 1,838.36 WST.
With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $1,000 gives your recipient 1,927.08 WST.
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 WST through bank deposit, mobile wallet, and cash pickup.
For a bank deposit payout, you will need the recipient's bank details in Samoa.
You pay $1,000.00
WS$1,927
Cheapest
You pay $1,000.00
WS$1,887
-WS$40
You pay $1,020.00
WS$1,887
-WS$40
You pay $1,000.00
WS$1,887
-WS$40
You pay $1,000.00
WS$1,886
-WS$41
You pay $1,000.00
WS$1,886
-WS$41
You pay $1,001.99
WS$1,882
-WS$45
You pay $1,005.99
WS$1,882
-WS$45
You pay $1,001.99
WS$1,882
-WS$45
You pay $1,005.99
WS$1,882
-WS$45
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.
For a $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 1,927.08 WST, which is 2.1% more than the next best option.
Fastest way to send money to Samoa
OFX is fastest when you pay by bank transfer and choose bank deposit for the payout. The transfer delivers 1,927.08 WST in 6-12 hours.
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.
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.
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.
The rate has a direct impact on the WST amount received. The last seven days show how today's CAD quote compares with the recent market.
Mid-market rate:1 CAD = 1.937869 WST
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 5 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.
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.
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