The real cost of your transfer, free

"Zero fees" doesn't mean zero cost.

A transfer's real price hides in the exchange rate, not in the fee line. Compare the rate you're quoted with today's rate: the difference is what you actually pay.

210MAD(3.2 %)
The hidden cost on this transfer
Repeated monthly, over a year 2,520 MAD
Nothing is sent or storedDated, editable rateNo sponsored provider
Run it with your numbers
Currency
It's on your quote or receipt: "1 CAD = … MAD".
Reference rate as of 2026-07-20, check it and correct it if needed.
1,000 CA$ × 6.66, at today's rate= 6,660 MAD
1,000 CA$ × 6.45, at your rate= 6,450 MAD
The hidden cost210 MAD (3.2 %)
Repeated monthly, over a year (× 12 months)2,520 MAD
received in Morocco
Ask Namup
For a monthly transfer of 1,000 CA$, the hidden cost is 210 MAD a month, that's 2,520 MAD a year more than at the reference rate.
The rate, not the fees

A transfer has two prices: the fee you see, and the gap between the rate you're given and the real market rate. The first is printed. The second hides inside every dirham received, and it's almost always the bigger one.

Posted fees take one second to compare. The exchange-rate margin is printed nowhere: you have to compute it.
That's why "zero fees" is a sales pitch, not a price: the revenue simply moves into the rate.
The World Bank has measured this total cost for years: on average 6.4% of the amount sent worldwide, with classic channels still the most expensive.
Check it in 30 seconds
Take the exact rate from your quote or receipt
Compare it to today's mid-market rate
The gap × your amount = what you lose
What the numbers say

According to the World Bank (Remittance Prices Worldwide No. 54, Q3 2025), sending money costs 6.36% of the amount on average worldwide; digital channels average 4.59%, and banks remain the most expensive. Pricing models differ: some players such as Wise show the mid-market rate and charge a separate fee; banks and classic cash-transfer operators such as Western Union or MoneyGram most often build their margin into the applied rate. No model is "free". The only honest question is: how many dirhams arrive on the other side?

Figures verified July 2026, source cited below
World Bank, Remittance Prices Worldwide (Q3 2025)

And in your plan?

What you send to your family isn't a mystery expense: in Namup it's a commitment line inside your month's calculation: income, minus commitments (including this transfer), minus savings. What's left is truly available. The cost of the rate shows up here, before you choose how to send.

Your money lives in two countries. So should your plan.

Namup doesn't move money and doesn't sell transfers: it's the app that makes sense of both sides. Your salary in euros or dollars, your family in dirhams, one number that's truly available.

Your email is only used to notify you. Nothing else, ever.

Go deeper
The rate, not the fees: sending money to Morocco without getting playedRead the article

This tool is educational: it compares the rate you enter with a dated, editable reference rate that may differ from the rate applicable to your transfer. Namup does not execute money transfers, does not sell any exchange service and receives no commission from any provider. Nothing you type here is sent or stored.

FAQ
Can I really send money to Morocco with zero fees?

Because a transfer has two prices: the posted fee and the margin slipped into the exchange rate. When fees drop to zero, the revenue doesn't vanish, it moves into the rate. The only number that can't lie: how many dirhams arrive on the other side.

What is the mid-market CAD to MAD rate?

It's the foreign-exchange market rate at a given moment, the one a neutral converter shows, halfway between buy and sell prices. Nobody transfers at exactly that rate, but it's THE honest reference for measuring the margin you're charged.

What is the CAD to MAD exchange rate today?

It moves every day. The rate pre-filled here is a hand-recorded, dated reference, never an automatic feed: the date tells you exactly what you're comparing against, and you can replace it with today's rate in one tap, taken from any neutral converter.

Can Namup send money to Morocco?

No, by design. Namup is neither a bank nor a transfer service: it's the app that makes sense of your money on both sides. This calculator helps you understand what you pay; the choice of channel stays entirely yours.