"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.
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.
Check it in 30 seconds
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?
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.
This amount leaves every month. Here's what's left after it.
That figure doesn't live alone: it leaves your account alongside your rent, your instalments and what you set aside. Namup puts it next to them and shows you what is genuinely available once it has gone. You won't have to type it again, we pick it up where you just left it.
We'll keep your 1,000 CA$ to open your plan. That figure stays on this device, and it's gone when you close the tab.
Your email is only used to notify you. Nothing else, ever.
Go deeper
This figure has a sequel
The money you send ends up in an account back home. That account has two consequences almost nobody looks at until they're in them.
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: your amount never leaves your device, and it is kept only for the length of this tab, so you don't have to type it again in the app.
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.