I replied to your post, although if your bank takes 10% off the top to begin with, the issue isn't with bitcoins, it's your bank's deposit fee.

Cavirtex takes a flat rate of $3 when depositing money directly into their bank aact regardless of the amount, as I mentioned above. Not 10%...

Oh please, and then they charge you 3.0% when you do a trade on your first 100 bitcoins.

So if you buy $5 worth of bitcoins, it costs you 61.2% in fees.

If you buy $50 worth of bitcoins, it costs you 9% in fees.

If you buy $100 worth of bitcoins, it costs you 6% in fees.

Ouch yeah, another example of Canada lacking proper competition in an industry.