Compare today's CAD to HTG (Canadian Dollar to Haitian Gourde) exchange rates
📈 Canada to Haiti Money Transfer Snapshot Today
- Best CAD to HTG exchange rate today: HTG 96.7120, offered by Western Union
- Number of money transfer providers compared: 4
- Exchange rate range: HTG 93.7749 to HTG 96.7120
- Potential savings on CAD 1000: HTG 2,937.10
- Number of deals and promo codes: 4
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real CAD to HTG exchange rate before providers add their margin or fees. exchange rate: 1 CAD = HTG 96.0536 (Updated about an hour ago)
See detailed Canada to Haiti money transfer comparison below.
Money Transfer Providers that matched the search criteria
📢 Special exchange rate applied for first transfer
If you are making international business money transfers or payments, RemitFinder can assist by matching you with the best options to suit your unique business needs. Get in touch now to see how we can help protect your business revenue by getting you higher exchange rates and lower transfer fees on international business FX.
💡What today's CAD-HTG exchange rates mean for you
Compare today's CAD-HTG exchange rates and send money from Canada to Haiti after comparing numerous money transfer providers. Check the latest exchange rates, read detailed provider reviews, and discover deals and promo codes — all in one place.
RemitFinder compared 4 providers that you can rely on for Canada to Haiti money transfers today. Here is a summary of how the competition looks like right now:
Today's Most Competitive Canada to Haiti Providers
🥇 Western Union with 1 CAD = 96.7120 HTG (best CAD to HTG exchange rate today).
🥈 Remitly offering 1 CAD = 94.5700 HTG.
🥉 Sendwave & Ria Money Transfer are also providing good FX rate today.
The exchange rate provided by these 4 providers ranges from HTG 93.7749 to HTG 96.7120. For a CAD 1000 money transfer from Canada to Haiti, that could mean up to HTG 2,937.10 saved on FX alone.
CAD-HTG exchange rates fluctuate throughout the day, and top positions can change quickly. This volatility can significantly impact the final HTG payout that your recipient gets in Haiti.
That's why we recommend comparing money transfer providers to ensure you can maximize the value of your Canada to Haiti remittances.
🔄 Looking for the reverse corridor? Send money from Haiti to Canada instead.
Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Canada.
👇 We also suggest looking beyond today's CAD-HTG exchange rate — historical pricing trends show many factors that can affect the overall transfer cost of your transfer.
Whilst CAD-HTG exchange rate is crucial, historical data shows that transfer fees, CAD amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze Canada to Haiti historical remittance data to help you understand where costs may arise and share some best practices to try to maximize your HTG payout.
Data-driven cost insights for Canada to Haiti money transfers
When you send money internationally from Canada to Haiti, the key factors that will influence the overall cost of your transaction are:
- CAD-HTG exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, you would want to optimize these 4 factors to try to get the maximum HTG payout for your overseas recipient in Haiti.
Another counter-balancing aspect is money transfer speed. If you need to rush money from Canada to Haiti, you may have to compromise on some of the above factors whilst optimizing for speed.
To put this into a better perspective using a data-driven approach, we analyzed historical remittance pricing1 for Canada to Haiti money transfers to compare transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 333 actual Canada to Haiti money transfers handled by 10 providers over the last 5 years (for a CAD 200 remittance benchmark).
This data-driven approach using real CAD-HTG transfer data provides useful insights into identifying the lowest-cost payment and delivery combinations, thereby helping you reduce costs and maximize the amount received.
Before we deep dive, here are the key trends from our analysis, summarized in an easy to read format.
📌 Key insights for Canada to Haiti money transfers
- Average total cost: 6.42% (range 2.09% to 18.45%, spread 16.36 percentage points)
- Potential payout difference: On a CAD 200 transfer, the above variation can save you up to CAD 32.72.
- Average FX markup: 2.82% (range 0.00% to 12.20%, spread 12.20 percentage points)
- Average transfer fee: CAD 7.19 (range CAD 0.00 to CAD 20.00)
- Cheapest payment/delivery method combo: Bank Account Transfer → Bank Deposit (5.96% avg cost); most expensive is Cash → Bank Deposit (8.40%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 2.44% (CAD 4.89 on CAD 200 transfer).
- Market coverage: ~10 providers on average (competition level: moderate)
- Average speed: About 10 hours
🛠️ Key takeaway: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.
Below, we provide detailed data-driven insights on various factors that influence the total cost of your Canada to Haiti money transfers.
📈 CAD to HTG exchange rate is often the biggest driver of both cost and payout
The exchange rate on your Canada to Haiti money transfers is usually the single biggest factor that will determine your overall CAD cost and your recipient's HTG payout.
To analyze exchange rates, we will rely on the exchange rate markup (also called FX margin) which is the difference between the mid-market exchange rate
Based on historical pricing data for a CAD 200 money transfer benchmark, we see the following FX markup ranges for Canadian Dollar to Haiti transfers:
- Average markup: 2.82%
- Median markup: 2.49%
- Lowest markup: 0.00%
- Highest markup: 12.20%
That is a spread of 12.20 percentage points between the lowest and highest observed FX markups.
To put this into perspective, on a CAD 200 transfer, the above markup range is equivalent to roughly HTG 24.40 purely from differences in the exchange rate. That incremental saving increases to HTG 61.00 for a CAD 500 transfer.
🛠️ How to use this insight: When comparing providers for Canada to Haiti remittances, pay close attention to the exchange rate you receive. A small difference in the FX markup can quickly outweigh other factors like fees, and the gap generally grows as transfer amounts increase.
CAD to HTG exchange rate can be the single most critical factor that determines the cost of your transfer. When comparing providers, keep an eye on the rate you will get.
💰 Transfer fees affect your total Canada to Haiti remittance cost
Whilst exchange rate is a major factor affecting total transfer cost, the transfer fee can also have a big impact on how much of your Canadian Dollar reaches your recipient in Haiti.
Based on data from last 5 years, we notice the below about Canadian Dollar to Haiti money transfer fees:
- Average fee: CAD 7.19
- Median fee: CAD 6.99
- Lowest fee: CAD 0.00
- Highest fee: CAD 20.00
The average fee amount of CAD 7.19 noted above represents 3.60% of the total amount sent.
Also note that even if two providers provide the same exchange rate, a best vs worst case transfer fee can increase the payout by CAD 20.00.
🛠️ How to use this insight: For your next money transfer from Canada to Haitian Gourde, look for providers that provide lower (or even 0) fees.
One caveat to this, though, is something called the hidden fee. Some providers may hide their real fees by offering a 0 or low fee, but providing a lower exchange rate. The money lost due to an inferior FX rate affects your bottom line and is referred to as a hidden fee. Therefore, you should also keep an eye on rates whilst paying attention to fees.
Another point that you should keep in mind is that for larger transfers, fixed fees become a lesser percentage of total amount. But for smaller transfers, fees can be a major part of total cost.
💸 Payment and delivery methods matter for CAD-HTG remittances
Based on our detailed analysis of historical Canada to Haiti data, we see consistent variation in overall cost amongst the payment method and delivery method you choose.
Here is the average cost for popular payment methods used to send money to Haiti from Canada:
- Credit Card: 6.24%
- Bank Account Transfer: 6.25%
- Debit Card: 6.28%
- Cash: 7.76%
That is a total spread of 1.52 percentage points.
This means that on a CAD 200 transfer, you could save up to CAD 3.05 simply by choosing the best priced payment method.
These savings will only multiply for higher CAD amounts.
Here is the average cost of popular delivery methods used to send money from Canada to Haiti:
- Cash Pickup: 6.33%
- Bank Deposit: 6.94%
The cost difference between the above delivery methods is 0.61 percentage points.
Once again, this means that you could save up to CAD 1.23 on a CAD 200 transfer to Haiti by choosing Cash Pickup versus Bank Deposit.
As you can imagine, the possible combinations of Canada payment methods and Haiti delivery methods will all have disparate cost. Let us look at that next.
Here is a summary of the average cost of payment and delivery method combinations for Canada to HTG money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Bank Account Transfer | Bank Deposit | 5.96 |
| Credit Card | Cash Pickup | 6.13 |
| Debit Card | Cash Pickup | 6.20 |
| Bank Account Transfer | Cash Pickup | 6.43 |
| Cash | Cash Pickup | 7.61 |
| Credit Card | Bank Deposit | 7.63 |
| Debit Card | Bank Deposit | 7.63 |
| Cash | Bank Deposit | 8.40 |
Sorted by Average Cost % (cheapest to most expensive).
As you can see, the difference between these CAD-HTG payment and delivery options is significant. Here are some observations:
- Bank Account Transfer → Bank Deposit has the lowest average cost at 5.96%.
- Cash → Bank Deposit has the highest average cost at 8.40%.
- Bank Account Transfer → Bank Deposit average cost is 2.44 percentage points lower than that of Cash → Bank Deposit.
- This means that on a CAD 200 money transfer, you could save up to CAD 16.80 simply by choosing the best payment and delivery method combo.
- Further, on a CAD 500 money transfer, the savings increase to CAD 42.01.
Here is a quick summary of the average historical cost of various payment and delivery methods for CAD to Haiti money transfers.
💸 Cheapest payment and delivery methods (data-backed)
- Cheapest payment method: Credit Card averaged 6.24%, compared to 7.76% for Cash, a difference of 1.52 percentage points.
- Cheapest delivery method: Cash Pickup averaged 6.33%, compared to 6.94% for Bank Deposit (0.61 percentage points higher).
- Cheapest combo: Bank Account Transfer → Bank Deposit averaged 5.96%, which is 2.44 percentage points lower than Cash → Bank Deposit (8.40%).
🛠️ How to use this insight: As you compare money transfer providers for your next Canada to Haiti international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.
This can help you avoid the pitfall of "great exchange rate, expensive methods".
You can save money on your Canada to Haiti remittances by carefully choosing the most economical payment and delivery methods.
🏦 Are banks more expensive than money transfer providers for CAD-HTG remittances?
When we compared Canada banks with money transfer providers based on 5 years of remittance data, we noticed some patterns.
Interestingly, for Canada to Haiti remittances, traditional banks are 0.83 percentage points cheaper on average than money transfer providers.
This means money transfer companies tend to be approximately 0.87x more expensive than banks on average.
Here are the key stats behind this comparison:
| Banks | MTOs^ | Difference | |
|---|---|---|---|
| Average transfer fee | CAD 7.23 | CAD 7.19 | CAD 0.04 |
| Exchange rate markup | 2.03% | 2.88% | -0.85 pp* |
| Average total cost (%) | 5.65% | 6.48% | -0.83 pp* |
^MTO: Money transfer operator, a commonly used term for a money transfer provider
*Percentage points
🛠️ How to use this insight: Historical data shows that banks in Canada can be competitive. However, pricing still varies by provider, transfer amount, and method — so comparing options can still be beneficial.
📊 Does sending more money reduce the cost of CAD-HTG money transfers?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending CAD 200 vs CAD 500 from Canada to Haiti.
We found that sending a higher amount (CAD 500) tends to be cheaper - average cost drops from 6.42% to 4.93%, a reduction of 1.49 percentage points.
The cost of your transfer usually continues to drop as transfer amount increases. That said, always check the latest exchange rates and fees for your intended transfer amount.
🛠️ How to use this insight: Since it is generally cheaper to send higher Canadian Dollar amounts to Haiti, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the Canada to Haiti remittance market?
Based on data from the last 5 years, CAD-HTG money transfers are provided on an average by 10 remittance companies. With around 10 providers serving this market, we consider the level of competition to be moderate.
Traditional banks have represented only 20% of active providers in this corridor (2 out of 10), meaning money transfer companies make up the majority.
A remittance market with more active providers is typically more competitive. This means you can get a better pricing and more payment and delivery options for your Canada to Haiti remittances.
⏱️ How fast are CAD-HTG money transfers?
If your recipient in Haiti needs funds urgently, you may need to optimize your transfer for speed.
Here is what we see for Canada to Haiti transfers when it comes to processing time:
- Average transfer time: About 10 hours.
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 96 hours (~4.0 days).
- Average speed at CAD 200: About 10 hours.
- Average speed at CAD 500: About 10 hours.
Banks vs money transfer providers speed comparison: Banks take 43 hours longer on average than money transfer providers.
🛠️ How to use this insight: If you need to send money from Canada to Haiti in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed also varies based on the delivery method (bank vs cash vs wallet) you choose for Haiti.
Canada to Haiti transfer speed varies across providers, so compare transfer speed along with cost for time-sensitive money transfers. In addition, pick the fastest payment and delivery methods for faster processing.
Frequently Asked Questions about Canada to Haiti money transfers
These FAQs use data from RemitFinder's historical analysis of Canada to Haiti money transfers over several years.
What factors affect the total cost of sending money from Canada to Haiti?
The total cost of your CAD-HTG money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate you get, and any transfer fee charged by the provider.
To avoid overpaying for your transfer, compare money transfer providers.
How much does the exchange rate affect Canada to Haiti transfers?
Historical CAD to HTG exchange rate markup ranges from 0.00% to 12.20%, a spread of 12.20 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Is the exchange rate or the transfer fee more important for Canada to Haiti transfers?
Exchange rate markup ranges from 0.00% to 12.20% (a spread of 12.20 percentage points).
Transfer fees range from CAD 0.00 to CAD 20.00, which equals roughly 10.00% on a CAD 200.00 transfer.
At both CAD 200.00 and CAD 500.00, the exchange rate markup shows larger variation than the other component.
Regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Canada to Haiti transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger CAD amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.
For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate often becomes the bigger driver. Either way, comparing both helps you get the most HTG for your CAD.
How much can Canada to Haiti transfer costs vary between providers?
Historical transfer cost ranges from 2.09% to 18.45% for CAD transfers to Haiti. That is a spread of 16.36 percentage points, meaning significant differences between various money transfer providers.
A major contributor to this variation is exchange rate markup. FX markup alone ranges from 0.00% to 12.20% (a spread of 12.20 percentage points). Thus, even small differences in FX margin can have a big impact on the final HTG payout.
Why do various money transfer providers price CAD to Haiti transfers differently?
If you send the same Canadian Dollar amount to Haiti via different providers, the cost of each transfer will be different because of variations in FX markup, fees, and payment and delivery methods.
Even small differences among all the above factors can change the final HTG payout in Haiti in a big way.
How stable are transfer costs in the Canada to Haiti corridor?
When we analyzed the historical total cost for CAD-HTG transfers, we observed a range from 2.09% to 18.45% (16.36 percentage points difference), along with a variability (standard deviation) of 2.12%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from 0.00% to 12.20% (12.20 percentage points difference), with a standard deviation of 1.48%. Fees and payment/delivery method choices can contribute to further volatility.
This is exactly why we recommend comparing money transfer providers to get the most of your CAD-HTG transfers.
Which payment method is cheapest for Canada to Haiti remittances?
Credit Card is the cheapest payment method in Canada based on its average cost at 6.24% (compared to Cash at 7.76%, a difference of 1.52 percentage points).
Based on this, we recommend paying for your CAD transfer with Credit Card, and avoiding Cash if possible.
Is Debit Card cheaper than Credit Card for Canada to Haiti transfers?
Credit Card is cheaper on average when sending money to Haiti from Canada since it costs 6.28% (compared to 6.24% for Credit Card payments, a difference of 0.04 percentage points).
As a result, we recommend that you avoid paying for your transfer to Haiti with a Credit Card.
Which delivery method is cheapest for CAD-HTG money transfers?
Cash Pickup is the cheapest delivery method in Haiti as it costs 6.33% (compared to Bank Deposit at 6.94%, a spread of 0.61 percentage points).
If your recipient in Haiti can accept Cash Pickup, we recommend choosing it as your preferred delivery option for CAD-HTG transfers.
Is Bank Deposit cheaper than Cash Pickup for Canada to Haiti transfers?
Cash Pickup is cheaper for transfers to Haiti given its 6.94% average cost (versus 6.33% for Cash Pickup, a difference of 0.61 percentage points).
To save more, consider choosing the cheapest delivery option for Haiti.
What is the cheapest way to send money from Canada to Haiti?
We evaluated 8 payment and delivery method combinations for Canada to Haiti remittances.
Based on historical data, Bank Account Transfer → Bank Deposit is the cheapest combination with 5.96% cost.
At the other end of the spectrum, Cash → Bank Deposit is the most expensive combination at 8.40% cost. That is a difference of 2.44 percentage points between the cheapest and most expensive combinations.
Money transfer providers tend to price payment and delivery methods for Canada to Haiti remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your CAD-HTG transfers.
Does sending more money reduce the cost for Canada to Haiti transfers?
Larger CAD-HTG transfers are cheaper on average.
The cost of a CAD 200 transfer averages 6.42% as compared to 4.93% for a CAD 500 transfer, a difference of 1.49 percentage points.
How long does it take to send money from Canada to Haiti?
Based on our analysis, the average transfer time for CAD-HTG transfers is 10 hours, with the fastest transfers completing in less than one hour and the slowest in 96 hours (~4.0 days).
Are instant transfers available from Canada to Haiti?
Yes, historical data shows that some transfers to Haiti from Canada can complete in less than one hour.
Note that the actual speed of your CAD-HTG transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
Are banks more expensive than money transfer companies for Canada to Haiti?
Banks in Canada are competitive and can be cheaper than money transfer providers.
The average cost of banks is 5.65% compared to 6.48% for money transfer providers in Canada, a difference of -0.83 percentage points.
How competitive is the Canada to Haiti remittance market?
Based on historical data, the competition level in Canada to Haiti is considered moderate with 10 active providers.
Money transfer providers represent about 80% of identified providers in Canada.
Do I risk overpaying if I do not compare providers for Canada to Haiti?
Historically, total CAD-HTG transfer cost has varied by 16.36 percentage points. On a CAD 200 transfer, that can translate to CAD 32.72 in savings.
CAD-HTG exchange rate markup also varies across providers. The average markup spread has been about 12.20 percentage points. On a CAD 200 transfer, that could be CAD 24.40 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about CAD 20.00 across providers.
That is why comparing providers can materially change how much of the CAD you send does your recipient receive in Haiti in Haiti.
Latest CAD to HTG Conversion Rates
Here are some latest CAD to HTG (Canadian Dollar to Haitian Gourde) exchange rates for popular conversion amounts*.
| 1 CAD | 96.05 HTG |
| 5 CAD | 480.27 HTG |
| 10 CAD | 960.54 HTG |
| 25 CAD | 2,401.34 HTG |
| 50 CAD | 4,802.68 HTG |
| 100 CAD | 9,605.36 HTG |
| 150 CAD | 14,408.04 HTG |
| 200 CAD | 19,210.72 HTG |
| 250 CAD | 24,013.40 HTG |
| 300 CAD | 28,816.08 HTG |
| 400 CAD | 38,421.44 HTG |
| 500 CAD | 48,026.80 HTG |
| 600 CAD | 57,632.16 HTG |
| 700 CAD | 67,237.52 HTG |
| 800 CAD | 76,842.88 HTG |
| 1000 CAD | 96,053.60 HTG |
| 1500 CAD | 144,080.40 HTG |
| 2000 CAD | 192,107.20 HTG |
| 2500 CAD | 240,134.00 HTG |
| 3000 CAD | 288,160.80 HTG |
| 4000 CAD | 384,214.40 HTG |
| 5000 CAD | 480,268.00 HTG |
| 10000 CAD | 960,536.00 HTG |
| 15000 CAD | 1,440,804.00 HTG |
| 20000 CAD | 1,921,072.00 HTG |
| 30000 CAD | 2,881,608.00 HTG |
| 40000 CAD | 3,842,144.00 HTG |
| 50000 CAD | 4,802,680.00 HTG |
| 100000 CAD | 9,605,360.00 HTG |
*Based on the Mid-market Exchange Rate
1 Based on 333 pricing observations across 10 firms over the last 5 years for a CAD 200 money transfer from Canada to Haiti. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.
How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the Canada to Haiti remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.