IN CHINA,THE RECEIVER NEED TO CREATE A CAD ACCOUT AT “ZHONG GUO YIN HANG ”。YOU CAN TRANSFER THE MONEY THROUGH TD BANK。THE RECEIVER CAN GET THE MONEY WITHIN 3 DAYS, THE FEE IS $30 CAD (OR $25) 。WHEN THE MONEY IS TRANSFERED TO YOUR DESIRD LOCATION,YOU CAN TELL THE TELLER TO GIVE YOU RMB OR US DOLLAR DIRECTLY(BANK WILL GIVE YOU “XIAN HUI MAI RU JIA”,YOU CAN GET MORE RMB), NOT ASK FOR CAD CASH(FOR CAD CASH,THE BANK WILL GIVE YOU“XIAN CHAO JIA”,YOU’LL LOSE SEVERAL HUNDRED RMB)。