I started using Duales.com service in June 2011 after big research about different options to transfer money to Cuba to my friends. At that time it was the best option. A few years ago I tried to use Western Union once and was checking on other web services how much it would be sending money through them, and so far I’m still with Duales. In the beginning I was transferring money to bank account (something like Caribbean Transfers Card) , and later I tried and started using only home delivery option. Just in this January 2020 I did two transfers for my two friends in Cuba , and below is what I spent on it : For 50CUC I paid 71.90 CAD with home delivery service. Delivered in two days. For 100 CUC I paid 139.11 CAD with home delivery service. Delivered in three days. When checked with Western Union two different locations in Toronto sending 100 CUC would cost me 148.50 CAD After all I’m still very happy with Duales.com service, and another big advantage is that when I’m in Cuba and don’t want to withdraw money from my credit card as exchange rate and all fees will be bigger, I can simply submit another transaction using internet on my phone and expect it will be delivered in three days to my girl in city close to my resort, and after she get it, she can pass it to me. At least now I have two options to use my credit card for withdrawal or do the web transfer from Canada. … P.S. by they way if you consisted to use that service please get all necessary information about your friend as such as , First name, First Last Name, Second Last Name , full address , phone number, date of birth. If you want to try to transfer to banks accounts you will need to know their bank account in Banco Metropolitano, Banco Popular de Ahorro or Banco de Credito y Comercio BANDEC … When you prepare transfer , and choose your friend from the list , put the amount you want your friend to receive in CUC in Cuba, then press next and WAIT for email with transaction number and amount you need to pay !!! Then choose you payment option. I prefer all the time eTransfer , and from my Royal Bank account it was free last year for this time of payment for Duales. I hope some info will be very useful because I remember how much time I spent trying to find affordable solutions for transfers to Cuba.