The simplest solution is to open the account in Hong Kong, send the bank draft back to canada, redeposit to her canadian bank account, and then do a wire transfer. With wire transfer there is no chance of fraud (while with the bank draft there is a lot of fraud). She will also save the 1%+ processing fee for the bank draft, so this may be the most economical. Most canadian banks have internet banking, if she had left her funds in Canada she could have used an ATM card for withdrawing money as needed for transitional expenses, and done the wire transfer later after opening an account.