Best & Cheapest Ways to Send Money to Ukraine

When you need to send money to Ukraine, you want the process to be as cost-effective and simple as possible. We tested 19 money transfer apps to find out which ones actually save you the most money.

To find the true cost of each app, we looked at two things: the upfront transfer fees and the hidden exchange rate markups. Our research pulls back the curtain on these hidden tricks so you can see the real costs before you send your hard-earned cash.

What are the cheapest money transfer apps to send money to Ukraine?

Here are the results for a $200 transfer to Ukraine. For each test, we chose the cheapest option available for payment and delivery methods and used the standard rates, not promo rates. Keep in mind that provider rates fluctuate constantly; the cheapest option right now may not be the cheapest at any time. Because of this, download 3 to 4 of your favourite apps to compare rates before you send.

Data based on a test conducted in May 2026. Actual rates and fees fluctuate and are not guaranteed.

The verdict

If you’re looking strictly at cost, Wise, Paysend and Remitbee are the cheapest apps for sending money to Ukraine, based on this test.

Which apps are best overall for sending money to Ukraine?

We didn’t focus only on cost in our quest to find the best money transfer apps in Canada. We looked at a wide variety of features, such as transfer limits, user experience, delivery methods, payment methods, customer support and time in business.

After weighing the different features, here are the 5 best apps for money transfers to Ukraine.

Which providers don’t offer money transfer services to Ukraine?

Based on our testing, the following apps don’t send money to Ukraine, so it’s best to avoid them:

• WorldRemit
• OFX
• Taptap Send
• Sendwave
• Pesa
• Panda Remit
• Instarem

How do you pay for money transfers to Ukraine?

You can pay for your transfer in the following ways:

• e-Transfer
• Debit card
• Credit card
• Google/Apple Pay
• Direct debit
• Bank account via Plaid
• Bill payment
• Domestic wire transfer

Not all apps offer the same payment methods, but e-Transfer and debit/credit cards are commonly available.

What delivery methods are available?

You can deliver money to Ukraine in the following ways:

• Bank deposit
• Debit or credit card deposit
• Cash pickup (not widely available)

How do I send money to Ukraine fast?

Have an emergency? Here are the steps to send money to Ukraine instantly while reducing costs:

1. Choose a money transfer specialist. Avoid your bank and opt for fast money transfer specialists who can offer better exchange rates and fees.
2. Select a payment method. Direct debit and debit cards are usually fast, cost-effective methods. e-Transfer can be cheap depending on the app. Avoid credit card payments.
3. Deliver to a bank, debit/credit card or cash pickup location. All three are fast, reliable methods.

Money transfer apps with fast or instant delivery to Ukraine

• Wise (2 hours)
• Western Union (several minutes)
• Remitly (10 minutes)

How to choose the best money transfer companies to send money to Ukraine

When choosing a money transfer provider to send money from Canada to Ukraine, it’s important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:

• Cost. Take into account both the exchange rate markup and fee markup to find out the true cost of a transfer.
• Transfer type. Does your recipient have a Ukrainian bank account, or is a debit card deposit a better option?
• Transfer speed. If you need your transfer to arrive quickly, you can pay for an express delivery. Companies such as Western Union and Remitly offer instant transfers.
• Discounts. Some providers may offer you a free transfer simply for signing up. Others may offer a discount if you transfer more than a specific amount of hryvnias.

How do I safely send money to Ukraine?

Safely send money to Ukraine by using a provider registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business. The companies we’ve mentioned here are overseen by a local regulator and comply with the relevant laws and regulations in both Canada and Ukraine.

A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.

How to send money to Ukraine from Canada

To send money to Ukraine, you’ll need the necessary documentation, your recipient’s details and a way to pay.

1. Create an account.
   You’ll need to give your name, address, contact details, proof of ID and method of payment.
2. Provide your recipient’s details.
   Enter your recipient’s name and contact information. If you’re sending straight to their Ukrainian bank account, you’ll need the account number, SWIFT or IBAN plus their bank branch’s address.
3. Enter your transfer amount.
   Make sure you’re happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Double-check the total hryvnias your recipient gets.
4. Complete your transfer.
   Send your money transfer to Ukraine. Keep your transaction reference number safe so you can track your transfer. Your recipient may need it, too.

Exchange rates vs. fees

When you’re hunting down the cheapest ways to send money to Ukraine, it’s important to look at the overall cost of your transfer. This has a couple of elements:

• Transfer fees. While still cheaper than your Canadian bank, some money transfer services charge either a fixed or percentage-based fee for making your transfer.
• Exchange rates. Another way money transfer providers make money is to add a margin to the mid-market CAD/UAH exchange rate.

Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many hryvnias your recipient will end up with.

What’s the exchange rate for CAD to UAH?

Frequently asked questions

• What details do I need to send money to Ukraine?

  • Photo identification: Most providers require a driver's licence, passport or other Canadian government-issued ID.
  • A way to pay: Your options depend on the provider's services. Popular methods include cash, debit or credit card and bank account transfers.
  • Recipient information: You'll need their name (matching their ID) plus contact details. If sending to a Ukrainian bank account, you'll need their account number, SWIFT and branch details.

• What is required to receive money in Ukraine?

  • Transfer number: The reference number – sometimes called a PIN, MTCN or tracking number.
  • Government-issued ID: An official ID, such as a Ukrainian passport or driver's licence.
  • The transfer amount: To know how much has been sent, usually to within 10% of the total.
  • Sender information: The sender's name and address and the transfer's country of origin.

• Can I send money to Ukraine without a bank account?

  Yes. You can send the money to a debit/credit card instead and pay for it using e-Transfer or your debit/credit card.