Today's rates — not a table someone forgot to update.

The rates on the board are today's — our staff set them each morning, and the board on this page shows the same numbers we post in the branch. Type your amount into the calculator and you'll see exactly what you'll walk out with. If anything looks off, ask us at the counter and we'll confirm it on the spot.

No added fees — the rate on the board is the whole cost. Multiply your cash by the posted rate and that's your number, with nothing taken off at the till.

The number on Google, XE, or the Bank of Canada's site is the mid-market rate — a reference average, not a price anyone actually sells cash at. The Bank of Canada says so itself: its published rates are “indicative rates only.” Everywhere that hands you physical cash — a bank, an airport kiosk, or us — posts a buy price and a sell price on either side of that midpoint. Ours are both on the board, so you can see them before you decide.

Two different transactions. “We buy” is what we'll pay you for foreign cash you're bringing in. “We sell” is what it costs to get that cash from us. The gap between them is how the counter makes its money — the same reason a station sells gas for more than it paid. Both are on the board, in both directions, in Canadian dollars per single unit — which is why yen carries more decimal places than dollars or euros.

No. Exchanging currency is a “financial service” in the Excise Tax Act, and financial services are GST/HST-exempt — so there's no tax line added, in Ontario or Alberta. The rate on the board is the whole cost.

Different cities, different competition — so each branch's staff set their own board every morning. Check the branch you're actually visiting; the tabs above switch between them.

For a cash exchange, ID is required at $3,000 or more; under that, you don't need it. We accept a driver's licence, passport, permanent resident card, or provincial ID card. Honestly — bring it anyway. It's the one thing that turns a five-minute stop into a second trip.

If you hand over $10,000 or more in cash, we file a Large Cash Transaction Report with FINTRAC. It's routine paperwork that every bank and money-services business in Canada files — it isn't an accusation, and it doesn't mean anyone thinks you've done anything wrong. The rule adds up cash across a 24-hour window, so splitting an amount into smaller trips doesn't sidestep it, it just makes for a longer day. Under $10,000 in cash, there's no large-cash report.

There's no legal cap on exchanging currency in Canada. The $10,000 figure people have in mind is actually two separate rules, and neither one is a limit: one is the cash report above, the other is the border declaration below. The real limit is practical — how much of a given currency we have on hand that day.

If you're carrying CAD $10,000 or more — any currency, or a mix, and including things like cheques and money orders — you have to declare it to the CBSA when you enter or leave Canada. There's no limit on the amount and nothing illegal about carrying it; you just have to report it. Not declaring can mean a penalty or seizure. That's a border rule, separate from anything that happens at our counter.