Canadian currency

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#1
Kentucky
13,211 Posts
Joined Feb 2004
Should I bother getting Canadian currency for our upcoming Maasdam cruise ahead of time? Will be using a credit card for the majority of things but will need some cash for a few incidentals like soft drinks, taxis etc.
#2
London, Canada
7,532 Posts
Joined Mar 2001
You won't have any problem spending US money at most Canadian stores. Can't vouch for the fair exchange rate you might get, as the real exchange rate most people get at the banks is still a touch under par, but you won't get ripped off to the point of it being a better idea to spend the time buying Canadian money, I don't think. Especially since you plan to use a credit card for most things anyway.
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Dan

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#3
Toronto
3,517 Posts
Joined Feb 2007
You will be fine with a credit card for taxis. You can withdraw money from an ATM using your ATM card. For the most part, US cash will be accepted. Expect to get 90 cents on the dollar.
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#4
Ontario, Canada
2,324 Posts
Joined Oct 2010
Just remember if you pay in US cash you will get CDN dollars in change. I'd withdraw some cash from an ATM once in Canada just to avoid the hassle, that's what we do when we go to the US.
Don't forget that we have coins for one and two dollar denominations
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#5
Ontario, Canada
978 Posts
Joined Oct 2003
At a store I worked in we would not accept U.S. currancy. We only accepted Canadian money. I guess just like any store in the U.S. only accepts U.S. money down to the penny.
tigercat
#6
Ottawa, Canada
1,836 Posts
Joined Nov 2010
I'm Canadian. My advice is to bring some $CDN with you or get some from an ATM as suggested. It doesn't make me proud to say this, but there's a good chance you will get cheated on the exchange if you pay directly with $US for taxis, snacks, small purchases, etc. The two dollars are very close in value these days, but the earlier poster is correct. Most small entrepreneurs will treat your US$ as if they are worth only 90 cents.
#7
Toronto, Canada
4,018 Posts
Joined Mar 2012
Just like traveling to any other country, I'd recommend you take advantage of ATMs - you'll probably get a better exchange rate than buying the currency in advance. Be sure to warn your bank ahead of time that you'll be using Canadian ATMs.
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#8
GTA, Ontario, Canada
33,688 Posts
Joined Apr 2005
Originally posted by tigercat
At a store I worked in we would not accept U.S. currancy. We only accepted Canadian money. I guess just like any store in the U.S. only accepts U.S. money down to the penny.
tigercat
I agree
we never can use any CAD across the border not even with a lousy exchange rate
#9
Wisconsin
6,138 Posts
Joined Aug 2008
Finding an ATM and withdrawing $20 Canadian isn't all that hard. ATM's are everywhere these days, and certainly throughout Canada! We'll be withdrawing some cash ourselves when we get to Victoria on our cruise.
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#10
London, Canada
7,532 Posts
Joined Mar 2001
Originally posted by LHT28
I agree
we never can use any CAD across the border not even with a lousy exchange rate
Back in the days when a Canadian dollar was worth about 70 cents US, I had no trouble spending them in Detroit. Stores typically gave me 65 cents. Now my local bank has an ATM that gives US money, so it's quite easy to take the correct currency.

The other thing not suggested so far is most stores, and even many of the larger taxi companies have debit machines here, and the network is, for the most part, connected to the US system. Some mom-and-pop type variety stores will tack on a service fee if you are only spending a couple dollars.
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Dan

"I'd Rather Be On A Ship With A Drink On The Rocks, Than In The Drink With A Ship On The
Rocks."



Fond Memories Of

Carnival Dream - Western Caribbean - Jan 2013
Navigator Of The Seas - Western Caribbean - Jan 2011
Carnival Pride - Grand Turk and Bahamas - Twins First Cruise - Aug 2009
Caribbean Princess - Eastern Caribbean - Jan 2008
Sapphire Princess - Mexican Riviera - Jan 2006
Carnival Victory - Canada/New England - Sept 2001
Carnival Tropicale - Panama Canal - Jan 2001
Grand Princess - Eastern Caribbean - Nov 1999
Westerdam - Honeymoon -Eastern Caribbean - Nov 1995
#11
11,313 Posts
Joined Mar 2007
You could also stop by a currency exchange or bank prior to your trip and exchange a little US for Canadian $ so you don't have to worry about it. I find Visa and MasterCard are widely accepted, American Express, not so much but it is getting more popular.
#12
GTA, Ontario, Canada
33,688 Posts
Joined Apr 2005
Originally posted by DanJ
Back in the days when a Canadian dollar was worth about 70 cents US, I had no trouble spending them in Detroit. Stores typically gave me 65 cents. Now my local bank has an ATM that gives US money, so it's quite easy to take the correct currency.
Dating myself here but back in the day I remember getting $1.10-$1.20 across the border
I have no problem getting USD from my local bank & even have a USD account
But for some reason American banks do not really stock CAD for their customers they have to order them in advance ...maybe the border towns are different
#13
1,305 Posts
Joined Jan 2011
Also be sure to check with your credit card company. Many will charge a "foreign transaction fee" of up to 3% on top of the exchange rate.

If yours does, try applying for a Capital One card; there are no foreign transaction fees.
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#14
Sechelt, BC & Fort Mohave, AZ
26,708 Posts
Joined Sep 2007
Originally posted by dread_pirate
If yours does, try applying for a Capital One card; there are no foreign transaction fees.
I know that Capital One advertises that they do not charge a foreign transaction fee...but like others that don't, do they inflate the exchange rate?
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#15
1,305 Posts
Joined Jan 2011
Originally posted by Putterdude
I know that Capital One advertises that they do not charge a foreign transaction fee...but like others that don't, do they inflate the exchange rate?
Not to my knowledge or in my experience. I would calculate the exchange in my head, and it was approximately what appeared on my bill (off by a few cents). And in places like Canada where the exchange rate is pretty close to even, and Bermuda, where it's 1:1, there's little inflated exchange rate. (For Bermuda, there was none.)
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2016 - Celebrity Reflection (Caribbean)
2016 - Harmony of the Seas
2015 - Disney Fantasy (Caribbean)
2015 - Celebrity Reflection (Caribbean)
2015 - Norwegian Dawn (Bermuda)
2014 - Norwegian Breakaway (Bermuda)
2014 - Celebrity Constellation (Caribbean)
2013 - Celebrity Reflection (Caribbean)
2013 - Caribbean Princess (Caribbean)
2012 - Coral Princess (Alaska)
2012 - Norwegian Dawn (Bermuda)
1982 - Costa Carla C (Bahamas)
1967 - ZIM Lines Shalom (Montreal)
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#16
Sechelt, BC & Fort Mohave, AZ
26,708 Posts
Joined Sep 2007
Originally posted by dread_pirate
Not to my knowledge or in my experience. I would calculate the exchange in my head, and it was approximately what appeared on my bill (off by a few cents). And in places like Canada where the exchange rate is pretty close to even, and Bermuda, where it's 1:1, there's little inflated exchange rate. (For Bermuda, there was none.)
Interesting because as seasonal resident of AZ I use a B of A card while in the US but they are notorious for their transaction fees outside of the US. In Canada I use RBC who don't charge a fee however in recent weeks I have pressed them on this topic & they do add an extra .25% to the exchange rate, this is small enough not to be noticed but does add up.
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Hawaiian Islands - Star Princess - January 4, 2017 .. Scandinavia & Russia - Regal Princess - May 26, 2016 .. Hawaiian Islands - Ruby Princess - January 9, 2016 .. British Isles - Royal Princess - Aug 25, 2015 .. Eastern Caribbean - Ruby Princess - Jan 24, 2015 .. Eastern Caribbean - Ruby Princess - Jan 17, 2015 .. Western Caribbean - Ruby Princess - Jan 10, 2015 .. Eastern Caribbean - Celebrity Silhouette - Jan 19, 2014 .. Western Caribbean - Celebrity Silhouette - Jan 12, 2014 .. Athens to Venice - Ruby Princess Sept. 15, 2013 .. Rome to Athens - Ruby Princess - Sept. 9, 2013 .. Southern Caribbean - Emerald Princess - Jan. 16, 2013 .. Eastern Caribbean - Emerald Princess - Jan. 6, 2013 .. Mediterranean & Adriatic - Grand Princess - Sept. 4, 2012 .. Southern Caribbean - Celebrity Constellation - Jan. 14, 2012 .. Mexican Riviera - HAL Oosterdam - Dec. 24, 2011 .. Pacific Coastal - Sapphire Princess - Sept. 18, 2011 . . Pacific Coastal - Sapphire Princess - May 14, 2011 . .Pacific Coastal - Golden Princess - May 11, 2011 .. Eastern Caribbean - Ruby Princess - Jan. 16, 2011 .. Western Caribbean - Crown Princess -Jan. 8, 2011 .. Mexican Riviera - Sapphire Princess - Dec. 4, 2010 .. Alaska - Diamond Princess - Sept. 4 2010 .. Alaska - Diamond Princess - Aug. 28, 2010. Pacific Coastal - Golden Princess - May 9, 2010 .. Southern Caribbean - Grand Princess - Jan. 15, 2010 .. Alaska - Sapphire Princess - Sept. 19, 2009 .. Pacific Coastal - Coral Princess - May 15, 2009 .. Panama Canal - Coral Princess - Jan 6, 2009 .. Pacific Coastal - Golden Princess - May 3, 2008 .. Hawaii - Diamond Princess -Dec.18,2007 .. Alaska - Celebrity Mercury - Aug. 10, 2007 .. Alaska - Canadian National Steamship's - SS Prince George - 13 cruises - May thru Sept, 1963 (crew member)
#17
Oregon
178 Posts
Joined May 2011
DW and I will be cruising out of Vancouver, BC for the first time in September, so I've been watching all the threads that deal with Vancouver to be as prepared as possible.

Since we will be arriving two days prior to our cruise, I have concluded that bringing CAD$ is best for us.

My research indicates that B of A has an acceptable exchange rate and fee for obtaining cash. While I have not done so yet, currency can be ordered through their website at: https://www5.bankofamerica.com/globa...y/index.action

Visa also has a currency converter website to determine their exchange rate at:
http://corporate.visa.com/pd/consume...r_ex_rates.jsp
Their converter allows for adding any additional bank foreign transaction fees. I believe my bank Visa card charges a foreign transaction fee of 3% on top of the Visa exchange rate.
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#18
GTA, Ontario, Canada
33,688 Posts
Joined Apr 2005
Canadian cards charge a FTF it is hidden in the exchange rate
has been for years
See your terms & conditions for you specific Canadian CC ..it is spelled out there
I now have a TD USD VISA card
#19
1,305 Posts
Joined Jan 2011
If you have a Bank of America ATM card, you can use it at Scotiabank in Canada without paying an "out of network" fee. There are quite a few in Vancouver.
https://www6.bankofamerica.com/searc...w&locale=en_US
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2016 - Celebrity Reflection (Caribbean)
2016 - Harmony of the Seas
2015 - Disney Fantasy (Caribbean)
2015 - Celebrity Reflection (Caribbean)
2015 - Norwegian Dawn (Bermuda)
2014 - Norwegian Breakaway (Bermuda)
2014 - Celebrity Constellation (Caribbean)
2013 - Celebrity Reflection (Caribbean)
2013 - Caribbean Princess (Caribbean)
2012 - Coral Princess (Alaska)
2012 - Norwegian Dawn (Bermuda)
1982 - Costa Carla C (Bahamas)
1967 - ZIM Lines Shalom (Montreal)
1987 - Costa Americanis (Caribbean)

#20
Los Angeles
65 Posts
Joined Apr 2012
Originally posted by boulders
You will be fine with a credit card for taxis. You can withdraw money from an ATM using your ATM card. For the most part, US cash will be accepted. Expect to get 90 cents on the dollar.
And change will be given in Canadian currency ... At least this is what occurred when I traveled to Victoria, BC ...