Cheapest way to wire money AND EFT electronic funds transfer

Here is the cheapest way to change money that I have found
1. Open XE trade account
2. Set up your bank accounts to make and accept payments by EFT, (you do this through the XEtrade website)
3. Off you go

Real example, I wanted to change USD to get 10,000CAD, (both accounts at same montreal branch).
With the bank's 'free' transfer I got 10,000
Through XEtrade I got 10, 350.
Wire charge from bank (no EFT) was $50 and XE charged $18 to wire money back..
BUT with EFT all wire charges are gone, finally a free banking service in Montreal..

Oanda has apparently better rates, but is fiddly to send money to, but you get a good rate of interest from them though..might be worth considering as an alternative to the ridiculous ING thing.