Move money across borders with someone you already trust. 跨境资金，交给您信任的人。
Currency exchange and international transfers in RMB, CAD, USD and Mexican Pesos — handled personally, explained clearly, and fully documented. A FINTRAC-registered money services business in the Greater Toronto Area. 人民币、加元、美元及墨西哥比索的兑换与国际汇款 — 全程一对一服务，流程清晰，凭证齐全。大多伦多地区 FINTRAC 注册持牌货币服务企业（MSB）。
FINTRAC-Registered MSB · Registration No. C100001087 · Verify on the FINTRAC registry FINTRAC 注册货币服务企业 · 注册号 C100001087 · 前往 FINTRAC 官方注册系统核验
跨境资金，交给您信任的人。
人民币 · 加元 · 美元 · 墨西哥比索 — FINTRAC 持牌，中英双语，一对一服务
Move money across borders with someone you already trust.
RMB · CAD · USD · MXN — FINTRAC-registered, bilingual, one-on-one service
Two ways we move your money两项核心业务
Our Money Services货币服务
International Remittance国际汇款
Cross-border transfers between Canada and overseas accounts, with every step documented — quote, instructions, confirmation and receipt. Ideal for family support, tuition, business payments and property-related funds. 加拿大与海外账户之间的跨境汇款，报价、指令、确认与回执全程留痕。适用于家庭支持、留学学费、商务付款及购房相关资金。
Currency Exchange外币兑换
Exchange between RMB, CAD, USD and Mexican Pesos with clear, upfront pricing. You'll always know the exact rate and total before anything moves. 人民币、加元、美元与墨西哥比索之间的兑换，报价清晰透明。任何资金变动前，您都将确认准确汇率与总额。
Your mortgage broker and your money — under one roof按揭与跨境资金，一站式解决
The Western Bay Difference为什么选择安和
| What matters对比项 | Typical big bank传统银行 | Western Bay |
|---|---|---|
| Who you deal with对接方式 | Call centre, different person each time客服热线，每次不同专员 | Andy, directly — the same person handling your mortgage安迪本人一对一 · 与您的按揭同一顾问 |
| Language语言服务 | English-first, translation if available以英文为主 | Fluent English and Mandarin中英双语无障碍沟通 |
| Home-purchase funds购房资金 | Transfer and mortgage handled separately汇款与贷款分开办理，互不衔接 | Transfer timing coordinated with your closing date and lender documentation needs汇款时间与交房日期及贷款材料要求同步规划 |
| Pricing价格 | Posted rate plus wire fees and intermediary charges牌价之外另收电汇费、中转费 | One clear quote confirmed with you before any funds move交易前一次性确认报价，资金变动前绝不含糊 |
| Paper trail资金凭证 | Standard receipts标准回执 | Documentation prepared with mortgage underwriting in mind — records lenders accept按贷款审批标准准备资金凭证，银行认可 |
Rates and fees are quoted individually for each transaction. Nothing on this page is a rate commitment. 汇率与费用均按每笔交易单独报价，本页内容不构成任何汇率承诺。
Five clear steps五步完成
How It Works办理流程
Consult咨询
Contact Andy through an official channel below. Tell us the amount, currencies and destination.通过本页官方渠道联系安迪，说明金额、币种与资金去向。
Verify identity身份核验
We complete the identification and compliance checks required of every registered MSB in Canada. This step protects you.按加拿大持牌 MSB 的法定要求完成身份与合规审核。这一步是对您资金安全的保障。
Confirm your quote确认报价
You receive the exact rate and total in writing. Nothing moves until you confirm.您将收到书面确认的准确汇率与总额，未经您确认，资金不会变动。
Send funds支付资金
Transfer per the confirmed instructions and share your payment confirmation.按已确认的指令付款，并提供付款凭证（截图或电子回单即可）。
Receive confirmation到账回执
Funds are delivered and you receive a complete receipt for your records — and for your lender, if this is a property transaction.资金到账后，您将收到完整回执，可留存备查；如涉及购房，亦可直接用于贷款材料。
What you'll need您需要准备
Be Prepared准备材料
Required documents所需文件
- Government-issued photo ID (passport or driver's licence)政府签发的有效带照片证件（护照或驾照）
- Complete recipient account details收款账户完整信息
- Source-of-funds documentation (e.g. bank statements)资金来源证明（如银行流水）
- Purpose of the transfer资金用途说明
Good to know温馨提示
- Larger amounts may require additional documentation — we'll tell you exactly what, upfront大额交易可能需要补充材料，我们会提前一次性告知
- Quotes are confirmed in writing before any transaction所有报价均在交易前书面确认
- Buying a home? Mention it — we'll align the transfer with your closing timeline如涉及购房，请提前告知，我们将同步规划汇款与交房时间
Frequently asked questions您可能想问
Common Questions常见问题
Is Western Bay licensed to provide money services?安和资本有货币服务牌照吗？
Yes. Western Bay (11269836 Canada Ltd) is registered with FINTRAC, Canada's financial intelligence agency, as a money services business — registration number C100001087. You can verify our registration yourself on the official FINTRAC MSB registry.有。安和资本（11269836 Canada Ltd）已在加拿大金融情报机构 FINTRAC 注册为货币服务企业（MSB），注册号 C100001087。您可随时在 FINTRAC 官方注册系统中自行核验。
Which currencies do you handle?支持哪些币种？
RMB (Chinese yuan), Canadian dollars, US dollars and Mexican Pesos (MXN) — for both currency exchange and international transfers. Contact us to confirm your specific corridor.人民币、加元、美元与墨西哥比索，兑换与国际汇款均可办理。具体路径请联系我们确认。
Can you help with down-payment funds from overseas?海外首付款可以协助办理吗？
This is where Western Bay is different. Because we also arrange your mortgage, we know exactly what documentation lenders require for overseas funds — and we plan the transfer so your money arrives on time for closing, with a paper trail your lender will accept.这正是安和的独特优势。由于按揭贷款同样由我们办理，我们清楚银行对海外资金的材料要求，可以为您规划汇款时间，确保资金按时到位，且凭证完全符合贷款审批标准。
Why do you ask for identity and source-of-funds documents?为什么需要提供身份和资金来源材料？
Canadian law requires every registered MSB to verify client identity and understand the source and purpose of funds. These checks exist to protect you — they are also why funds moved through a registered MSB carry a clean, verifiable record.根据加拿大法律，所有持牌 MSB 必须核实客户身份并了解资金来源与用途。这些审核是对您的保护——也正因如此，通过持牌 MSB 办理的资金才具备清晰、可核验的合规记录。
How long does a transfer take?汇款多久到账？
It depends on the currencies, destination and banks involved. We give you an expected timeline with your quote, before you commit — so there are no surprises.到账时间取决于币种、目的地及相关银行。我们会在报价时一并告知预计时间，交易前您已完全知情。
How do I protect myself from exchange scams?如何防范换汇诈骗？
Only deal through the official contact channels published on this page, verify the MSB's FINTRAC registration before sending anything, keep written records of every step, and be wary of rates that look too good to be true.请只通过本页公布的官方渠道联系我们；付款前先在 FINTRAC 官网核验对方注册资质；保留每一步的书面记录；对明显偏离市场的「超优汇率」保持警惕。
Official channels only. Western Bay conducts money services exclusively through the phone number and email published on this page. We will never ask you to send funds to a personal account you haven't verified, and we never pressure clients to act before confirming a written quote. 谨防诈骗：安和资本仅通过本页公布的电话与邮箱开展货币服务业务。我们绝不会要求您向未经核验的个人账户付款，也绝不会在书面报价确认前催促您交易。如遇可疑账号冒用本公司名义，请直接致电核实。
Request a quote today立即获取报价
One conversation. A written quote. No obligation.一次沟通，一份书面报价，绝无强制。
andy@westernbay.ca · Greater Toronto Area andy@westernbay.ca · 大多伦多地区