Send Money from Canada to Ukraine

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at C$100, across the 2 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Ukrainian hryvnias rather than the headline fee.

At C$100, Wise is the cheapest of the 2 providers priced at that amount on this corridor: about C$3.29 all in, or 3.29% of the amount sent. Western Union is next at about C$4.98. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at C$100 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup and card payout. The most widely used options in Ukraine are bank deposit, card deposit and cash pickup. Both bank deposit and cash pickup continue to operate throughout Ukraine, though banks apply wartime daily cash-withdrawal limits. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Ukraine, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit, card deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For CAD to UAH, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Canada under FINTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly C$10,000, a specialist foreign-exchange broker will often beat an app on rate.

How you pay decides how fast this arrives, far more than who you pay. Western Union publishes the whole matrix: fund by card and the money reaches a bank account or cash counter in minutes; fund from your bank account instead and the same transfer takes seven to ten business days. That is the single most useful fact on this page and almost nobody publishes it. The three services disagree on what your recipient receives. Remitly pays US dollars. Wise and Western Union pay hryvnia. Settle that before comparing a fee. Wise pays hryvnia from Canada — worth knowing if you have read a guide written for a British sender, because from the UK the same provider states it cannot yet do this and offers a waitlist. It does serve the route from Canada and from Germany. What a provider can do depends on where you are sending from. Western Union caps online card-funded transfers at 7,500 CAD, and cash pickup or bank transfers at 5,000 CAD. No provider published a war-related restriction on its Canadian Ukraine page when this was checked in September 2026. That is what the pages said on that date, not a guarantee about the day you send.