Heading to the US for the winter
Snowbirds send some of the largest personal transfers in Canada. The cheapest route is usually bank to bank, not cash.
Compare bank to bank servicesIndependently researched. No provider pays to be listed.
Find the best currency exchange near you
Compare every registered storefront, bank and online service in your city, ranked by a method you can check, with rates measured against the Bank of Canada daily rate.
CAD = 1 USDInterbank exchange rate
13,985.00 CAD
At the Bank of Canada rate of 1.3985, published October 29, 2026. No bank or exchange pays this rate.
What the big banks would give you, from their public rate pages on October 30, 2026, measured against the latest Bank of Canada rate
| Bank | You get | Below the BoC rate |
|---|---|---|
| National Bank | 13,657.00 CAD | 328.00 CAD |
| Desjardins | 13,608.00 CAD | 377.00 CAD |
| Scotiabank | 13,578.00 CAD | 407.00 CAD |
| TD | 13,560.00 CAD | 425.00 CAD |
| RBC | 13,531.00 CAD | 454.00 CAD |
Bank rates are taken from each bank's public rate page on the date shown and may differ for your amount or account. Confirm the rate with the provider before you exchange.
How our free comparison works
Exchanging a large sum is confusing. Banks hide the cost inside the rate, storefronts quote by phone, and online services all claim to be cheapest. This site does the checking for you.
Tell us where you are
Pick your city. We list every currency exchange storefront there that appears in the public FINTRAC registry, plus the banks and online services that serve it.
See them ranked
Every provider is scored out of 100 on seven factors: BBB record, FINTRAC registration, rate against the Bank of Canada daily rate, Canadian head office, Google reviews, years in business and scope of services. The full method is on every page.
Check the rate before you go
We phone every listed storefront on the same day and publish the USD markup with the date. Rates move daily, so confirm before you exchange.
What are you exchanging for?
Buying or selling US property
Five and six figure transfers where a one percent difference is thousands of dollars. Compare online services first, then your bank.
See today's bank USD to CAD rates
Travel cash
Small amounts, same day. A registered storefront usually costs less than the bank or the airport.
Find one in your city
Paying a supplier or family abroad
USD, EUR, GBP, AUD and NZD by wire. Compare the all in cost, not the advertised fee.
Compare bank to bank servicesEvery provider checked, every city
7
storefronts verified against the FINTRAC registry
1
city live
4
banks and online services compared
7
phone rate checks published, with dates
We only list businesses that appear in the public FINTRAC money services business registry and that we have confirmed are open. Closed shops, payday lenders and Bitcoin ATMs that pad other lists do not appear here.
Currency exchange by city
More Canadian cities are being added. See all locations
USD to CAD today
The market rate every 15 minutes on weekdays, what RBC, TD, Scotiabank, National Bank and Desjardins publish each day, and how their margins moved over the last five business days.
Bank to bank transfer: when you do not need cash
Once you are moving $2,000 or more and do not need bills in hand, an online bank to bank service usually costs less than a storefront or a bank branch. These services move money between accounts, so there is no cash markup and no security risk.
How to compare a bank to bank service
- Check it on the FINTRAC money services business registry.
- Ask for the rate on your exact amount and compare it with the Bank of Canada rate for the same day.
- Ask about fees, the minimum amount and how long the money takes to arrive.
- Check where its head office is and its rating on BBB.org.
How we score providers
Nothing here is pay to play. Providers cannot buy a listing or a position. Read the full editorial policy.
| Factor and source | Weight |
|---|---|
| BBB accreditation and ratingBBB.org | 25 |
| FINTRAC registrationFINTRAC public registry | 20 |
| Rate vs Bank of Canada daily rateSame day phone check | 20 |
| Canadian head officeCorporate records | 10 |
| Customer rating × review volume (Google or Trustpilot)Google Business Profile or Trustpilot | 10 |
| Years in businessCompany records | 10 |
| Scope of servicesProvider website | 5 |
| Total | 100 |
Guides
Why you never get the rate you see on Google
What the mid market rate is, and why every bank and exchange adds a markup to it.
Guide coming soon
What Canadian banks really charge to exchange money
How the big banks build their cost into the rate instead of showing it as a fee.
Guide coming soon
How to check a currency exchange on the FINTRAC registry
A one minute check that tells you whether a business is registered to exchange currency.
Guide coming soon
Airport and hotel kiosks: what they cost and when they are fine
When a kiosk is worth the convenience, and when to compare first.
Guide coming soon
Cash or bank to bank: which is cheaper for your amount
How the amount you need and whether you need bills in hand change the cheapest option.
Guide coming soon
The snowbird guide to exchanging money before winter
How to move money for a winter in the US without paying more than you need to.
Guide coming soonFrequently asked questions
It depends on the amount and whether you need cash. For cash, a registered storefront in your city almost always beats a bank branch and the airport. For amounts above a few thousand dollars where you do not need bills, an online bank to bank service is usually cheaper. Pick your city above to see the ranked list.
Enter your city in the search box. We list every storefront in that city that appears in the FINTRAC registry, ranked by score, with the USD markup we were quoted by phone and the date we called.
Yes. Any business that exchanges currency must register with FINTRAC as a money services business. Registration is a legal baseline, not an endorsement. Every provider on this site has been checked against the public registry on the date shown.
That is the mid market rate, the midpoint between what banks pay each other. No retail customer gets it. Every bank and exchange adds a markup, usually built into the rate rather than shown as a fee. That is why we measure every provider against the Bank of Canada daily rate.
On October 29, 2026 the big banks' published USD rates sat 2.35 to 3.12 percent below the Bank of Canada rate. Storefront and online markups are published on each city page with the date we checked them. The gap on your own transaction depends on the amount and the day, so compare quotes before you commit.
No. Providers cannot pay to be listed, ranked or removed. Corrections can be requested through the report an error page and are reviewed against the same sources used to score everyone.