Fee Schedule

Simple, flat fees by corridor

Country	Send Range	Fee (CAD)	Rate	Delivery	Networks
🇨🇩 Congo RDC PILOT	CA$10 – CA$5,000	CA$ 4.99 (3.66 USD)	1 USD = 2.86K CDF	< 8 min	3 networks
🇳🇬 Nigeria	CA$20 – CA$5,000	CA$ 5.99 (4.39 USD)	1 USD = 1.61K NGN	< 15 min	5 networks
🇬🇭 Ghana	CA$10 – CA$5,000	CA$ 4.99 (3.66 USD)	1 USD = 15.8 GHS	< 5 min	3 networks
🇸🇳 Sénégal	CA$10 – CA$5,000	CA$ 4.99 (3.66 USD)	1 USD = 620 XOF	< 8 min	4 networks
🇨🇮 Côte d'Ivoire	CA$10 – CA$5,000	CA$ 4.99 (3.66 USD)	1 USD = 620 XOF	< 8 min	3 networks
🇨🇲 Cameroun	CA$10 – CA$5,000	CA$ 4.99 (3.66 USD)	1 USD = 620 XAF	< 10 min	2 networks
🇰🇪 Kenya	CA$10 – CA$5,000	CA$ 4.99 (3.66 USD)	1 USD = 128 KES	< 5 min	2 networks
🇦🇴 Angola	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 912 AOA	< 12 min	1 networks
🇲🇿 Mozambique	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 63.5 MZN	< 10 min	2 networks
🇬🇳 Guinée	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 8.62K GNF	< 10 min	3 networks
🇷🇼 Rwanda	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 1.38K RWF	< 8 min	2 networks
🇹🇿 Tanzania	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 2.62K TZS	< 10 min	3 networks
🇺🇬 Uganda	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 3.74K UGX	< 8 min	2 networks
🇿🇲 Zambia	CA$10 – CA$3,000	CA$ 4.99 (3.66 USD)	1 USD = 27.4 ZMW	< 10 min	2 networks

Rates updated in real-time. Displayed rate is locked for 15 minutes after initiation.

How we compare

M-MONEYS vs. competitors (CAD 250 → Ghana)

Service	Fee	Exchange Rate	GHS Received	Delivery
🏆 M-MONEYS BEST	CA$ 4.99	8.75	2,187.50 GHS	<5 min
Remitly	CA$ 3.99	8.45	2,063.58 GHS	1-3 days
WorldRemit	CA$ 5.00	8.52	2,075.96 GHS	Minutes
Western Union	CA$12.99	8.30	1,964.68 GHS	Minutes
MoneyGram	CA$10.00	8.35	2,004.25 GHS	Minutes

*Comparison based on CA$250 send to Ghana as of March 2025. Competitor rates may vary.

FAQ

Are there any hidden fees?

When is the exchange rate locked?

Why is the fee higher for Nigeria?

Is the first transfer really free?

Do you charge for failed transfers?

First transfer fee waived. No credit card required.