Currency Exchange Rate Calculator

Currency Conversion

Amount to Convert

From Currency

To Currency

Exchange Spread / Bank Fee

💡 Rates shown are approximate reference Indicative rates as of May 2026. For live rates, use a bank or Google Finance.

Results

Converted Amount

—

Reference Rate

—

After Bank Spread

—

Fee Cost

—

Inverse Rate

—

Per Unit

—

Ways to Exchange Currency

✓ Best: Credit card (no FX fee)

Cards like Scotiabank Passport Visa, Chase Sapphire, or Wise give near-interbank rates. Pay in local currency (decline DCC offers).

✓ Good: Wise / Revolut

Near-interbank rates with small transparent fees. Best for large transfers or frequent travel.

✗ Expensive: Airport kiosks

Spreads of 8–12%. Avoid entirely. Even ATMs with 2–3% fees are far better than airport exchange.

✗ Watch: Bank wire transfer

Typically 2–3% spread plus $10–$25 fixed fee. For large amounts, compare wire to Wise or Knightsbridge FX.

Frequently Asked Questions

DCC occurs when a foreign merchant offers to charge you in your home currency instead of local currency. Always decline — the merchant's DCC rate is typically 5–8% worse than your card's rate. Always pay in local currency when abroad.

Wise (formerly TransferWise) typically offers the lowest fees for CAD/USD transfers — near the mid-market rate plus 0.4–0.7%. RBC, Scotiabank, and TD all have US affiliates for wire transfers, but their spread is typically 1.5–2.5% plus fixed fees.

⚠️ Rates are approximate reference values for illustration only. Verify live rates before any transaction.

Currency Exchange Calculator