1. The sender contacts the money transfer service by phone to indicate the foreign currency amount to send. They are provided a quote in Canadian dollars including the transfer rate and fee. 2. The sender pays through online banking, in person with cash, or at a Scotiabank branch. They must then confirm payment by SMS, phone or email and provide identification information about themselves and the recipient. 3. Once payment is confirmed, the transaction is completed within 5 minutes. Details are provided to the sender and the recipient can pick up the funds at one of the service's locations by showing photo ID.