Tabularasa

back in Sept I sent GBP1450 from Monzo Bank UK to Wise GBP account for zero fee. Then I sent the GBP1450 from my Wise GBP directly to my RBC Canada account using interac. Wise converted the money to Canadian dollars and took £5.94 fee. As the amount was already converted to CAD2498 before it hit RBC, RBC didn’t charge another fee.

BristolUK

The bolded part also applies for the standard transfer process using wise.
I just had a "play" comparing low cost transfer via Wise and transfer from Wise account.
For £1450 the fee was 6p cheaper using the wise account than the 'low cost' method and 7c more arrived. For £500 it was 3p more using the wise account but 5p less arrived. An odd but very small difference.

CDNReturner

I transferred a year of pension from the UK to Canada on Thursday via xe.com. I've done this a few times before with them but always on the phone. This time I found it quite stressful but this was because I had changed my surname a year ago and it isn't the one they have on file with my id. Anyway, after a few phone calls to them (which I now see were irrelevant) it was actually all quite easy. The id part is now all done via camera on your phone.

I received the money in my Bank of Nova Scotia account on Saturday morning. The rate I got was 1.542. I've been monitoring since June hoping it would at least get to 1.60. Finally had to bite the bullet on Thursday after seeing what happened 2 weeks ago. So glad it's done now.

Oh and so far no fee charged by Bank of Nova Scotia (but then again I don't really trust them).