How do Currency Mart exchange rates compare to CIBC?

While CIBC applies typical retail bank conversion margins of 2.5% to 4.0%, Currency Mart operates with wholesale cash spreads closer to 0.7% to 1.5%, saving customers an average of $20 to $45 CAD per $1,000 exchanged with a simple $3.75 flat fee per currency.

Can I pick up cash immediately without ordering in advance?

Yes. Most CIBC branches require 2 to 5 business days advance notice to ship foreign currencies other than USD. Currency Mart maintains over 30 global currencies in stock daily for immediate walk-in cash pickup.

Which Currency Mart branch offers the best foreign exchange rate?

All 4 Currency Mart branches (Toronto Downtown, Toronto North York, Winnipeg Downtown, and Winnipeg St. Vital) offer competitive rates that beat traditional Canadian banks. You can toggle each branch on our live comparison table above to inspect real-time rates before visiting.

Foreign Exchange Expert

Foreign Cash in Stock

USD Reached 12 Days Low

Good Timing to Buy USD in last 12 Days

EUR Reached 61 Days Low

Good Timing to Buy EUR in last 61 Days

GBP Reached 3 Days Low

Good Timing to Buy GBP in last 3 Days

JPY Reached 17 Days Low

Good Timing to Buy JPY in last 17 Days

MXN Reached 61 Days Low

Good Timing to Buy MXN in last 61 Days

CHF Reached 11 Days Low

Good Timing to Buy CHF in last 11 Days

AUD Reached 3 Days Low

Good Timing to Buy AUD in last 3 Days

NZD Reached 3 Days Low

Good Timing to Buy NZD in last 3 Days

BANK RATE BENCHMARK TORONTO & WINNIPEG

CIBC Exchange Rate vs Currency Mart 2026 — Live Rate Comparison

Compare CIBC (Canadian Imperial Bank of Commerce) foreign exchange counter rates against Currency Mart's 4 retail branches in Toronto and Winnipeg. See exact buy and sell rates across 30+ physical cash currencies with a transparent $3.75 flat fee per currency.

CIBC Rate Notice: CIBC does not currently publish an open live cash rate feed, so CIBC column values are marked as Unavailable. The table below shows live cash rates across all 4 Currency Mart branches for comparison.

Last updated: 2026-10-13 21:00:22 ET | Physical retail banknote cash rates

Live Rate Comparison: CIBC vs 4 Currency Mart Branches

Cash rates updated weekday 8 AM — Next live auto-refresh in 5:00

Filter Currency Mart Branches (Click any branch to show/hide column):

Currency	CIBC Bank	Richmond-Adelaide	TRTYSC Branch	Cargill Building	WPGSVT Branch
AED UAE Dirham	Unavailable	0.3525	0.3529	0.3462	0.3461
ARS	Unavailable	N/A	N/A	N/A	N/A
AUD Australian Dollar	Unavailable	0.9639	0.9352	0.9930	0.9459
BBD	Unavailable	0.5807	0.5307	0.6057	0.6057
BDT	Unavailable	N/A	N/A	N/A	N/A
BHD	Unavailable	N/A	N/A	N/A	N/A
BMD	Unavailable	N/A	N/A	N/A	N/A
BRL Brazilian Real	Unavailable	0.2475	N/A	0.2426	0.2426
BSD	Unavailable	N/A	N/A	N/A	N/A
BZD	Unavailable	N/A	N/A	0.5174	N/A
CHF Swiss Franc	Unavailable	1.6431	1.6652	1.7067	1.6474
CLP	Unavailable	0.0013	0.0013	0.0013	0.0013
CNY Chinese Yuan	Unavailable	0.1844	0.1843	0.1845	0.1845
COP	Unavailable	0.0004	0.0004	0.0004	0.0004
CRC	Unavailable	0.0030	0.0030	0.0029	0.0029
CZK Czech Koruna	Unavailable	0.0608	0.0592	0.0608	0.0608
DKK Danish Krone	Unavailable	N/A	N/A	0.2130	N/A
DOP	Unavailable	0.0214	0.0210	0.0206	0.0206
EGP	Unavailable	N/A	N/A	N/A	N/A
EUR Euro	Unavailable	1.5524	1.5433	1.5923	1.5499
FJD	Unavailable	0.5144	0.5530	0.6325	0.5717
GBP British Pound	Unavailable	1.8282	1.8341	1.8841	1.8444
GTQ	Unavailable	0.1596	0.1596	0.1662	0.1662
HKD Hong Kong Dollar	Unavailable	0.1678	0.1678	0.1811	0.1692
HNL	Unavailable	N/A	N/A	N/A	N/A
HUF Hungarian Forint	Unavailable	0.0040	0.0040	0.0040	0.0040
IDR Indonesian Rupiah	Unavailable	0.0001	0.0001	0.0001	0.0001
ILS Israeli Shekel	Unavailable	N/A	N/A	N/A	N/A
INR Indian Rupee	Unavailable	N/A	N/A	0.0150	N/A
IQD	Unavailable	N/A	N/A	N/A	N/A
ISK	Unavailable	0.0108	0.0106	0.0106	0.0106
JMD	Unavailable	0.0082	0.0082	0.0090	0.0082
JOD	Unavailable	1.8571	1.8570	N/A	N/A
JPY Japanese Yen	Unavailable	0.0088	0.0083	0.0090	0.0083
KES	Unavailable	0.0098	0.0093	0.0098	0.0098
KRW South Korean Won	Unavailable	0.0010	0.0010	0.0010	0.0010
KWD	Unavailable	4.1780	4.1780	4.5568	4.0893
KYD	Unavailable	N/A	N/A	N/A	N/A
LKR	Unavailable	N/A	N/A	N/A	N/A
MAD	Unavailable	N/A	N/A	N/A	N/A
MUR	Unavailable	N/A	N/A	N/A	N/A
MXN Mexican Peso	Unavailable	0.0752	0.0702	0.0773	0.0736
MYR Malaysian Ringgit	Unavailable	0.3246	0.3199	0.3294	0.3294
NIO	Unavailable	N/A	N/A	N/A	N/A
NOK Norwegian Krone	Unavailable	N/A	N/A	0.1495	N/A
NPR	Unavailable	N/A	N/A	N/A	N/A
NZD New Zealand Dollar	Unavailable	0.7642	0.7642	0.7988	0.7495
OMR	Unavailable	N/A	N/A	N/A	N/A
PEN	Unavailable	0.3792	0.3753	0.3791	0.3791
PHP Philippine Peso	Unavailable	0.0201	0.0202	0.0193	0.0193
PKR	Unavailable	N/A	-0.0008	N/A	N/A
PLN Polish Zloty	Unavailable	0.3341	0.3343	0.3642	0.3337
PYG	Unavailable	0.0002	N/A	N/A	N/A
QAR Qatari Riyal	Unavailable	N/A	N/A	0.3207	0.3207
RON Romanian Leu	Unavailable	0.2487	0.2487	0.2647	0.2647
SAR Saudi Riyal	Unavailable	0.3429	0.3429	0.3780	0.3323
SEK Swedish Krona	Unavailable	0.1351	N/A	0.1427	N/A
SGD Singapore Dollar	Unavailable	1.0619	1.0492	1.1100	1.0339
THB Thai Baht	Unavailable	0.0385	0.0390	0.0423	0.0385
TND	Unavailable	N/A	0.0686	N/A	N/A
TRY Turkish Lira	Unavailable	0.0257	0.0178	0.0146	0.0146
TTD	Unavailable	0.1705	0.1763	0.2093	0.1676
TWD Taiwan New Dollar	Unavailable	0.0393	0.0393	0.0404	0.0404
TZS	Unavailable	N/A	N/A	N/A	N/A
UAH	Unavailable	N/A	-0.0033	N/A	N/A
USD US Dollar	Unavailable	1.4001	1.3974	1.3872	1.3862
UYU	Unavailable	N/A	N/A	N/A	N/A
VND Vietnamese Dong	Unavailable	N/A	N/A	N/A	N/A
XCD	Unavailable	0.4551	0.4551	0.4847	0.4847
XPF	Unavailable	0.0111	0.0111	0.0111	0.0111
ZAR South African Rand	Unavailable	0.0802	0.0810	0.0862	0.0780

Green = Best rate for customer | Red = Worst rate | Showing Buy In rate by default (CAD cash received per 1 unit of foreign currency).

Transparent cash rates with a simple $3.75 Flat Fee / Currency

Calculate Your Savings vs CIBC

See the exact dollar difference between exchanging cash at an CIBC branch vs picking up cash at Currency Mart.

I Want Foreign Cash (Traveling) I Have Foreign Cash (Returning)

Foreign Amount:

Currency:

Currency Mart Branch:

CIBC Total: —

Currency Mart Total: —

Calculating live comparison...

Based on live cash rates with a transparent $3.75 Flat Fee / Currency.

Understanding CIBC Foreign Exchange Counter Rates vs Currency Mart

Canadian Imperial Bank of Commerce (CIBC) is one of Canada's Big 5 chartered banks. While CIBC provides extensive consumer banking, mortgage, and digital trading solutions, converting physical banknotes at bank branches typically comes with retail markups.

Standard retail cash margins at Canadian chartered banks like CIBC typically range between 2.5% and 4.0% above interbank mid-market rates. Currency Mart operates with wholesale cash spreads closer to 0.7% to 1.5% with a transparent $3.75 flat fee per currency, delivering maximum value on foreign currency purchases and buybacks.

Tighter Cash Spreads

Currency Mart operates with institutional wholesale rate volume. Our retail banknote spreads average 0.7% to 1.5%, ensuring you keep more dollars in your pocket whether buying USD, Euros, or Pounds.

Immediate Cash In Stock

Most CIBC branches require 2 to 5 business days advance order notice for non-USD currencies. Currency Mart maintains over 30 global currencies in stock ready for instant walk-in over-the-counter pickup.

$3.75 Flat Fee / Currency

No account opening required, no percentage-based hidden spreads. Just a simple, transparent $3.75 flat fee per currency.

Comparison Breakdown: CIBC vs Currency Mart

Feature / Policy	Currency Mart	CIBC
Conversion Fee Policy	$3.75 Flat Fee / Currency	Embedded inside wider 2.5% - 4.0% bank rate spread
Cash Rate Markup (USD/CAD)	~0.8% - 1.2% Wholesale Spread	~2.5% - 3.8% Retail Bank Spread
Average Savings per $1,000 USD	Keep $18 - $35 CAD Extra	Standard Bank Counter Pricing
Non-USD Currency Inventory	In Stock Daily (EUR, GBP, JPY, MXN, etc.)	Usually 2-5 days advance notice required
Account Requirement	None — Open to all Canadian residents & visitors	Requires CIBC Debit Card or ID verification profile
Regulatory Compliance	Registered Canadian MSB (FINTRAC M11432814)	OSFI Regulated Schedule I Canadian Bank

Visit Any of Our 4 Canadian Retail Branches

Select the most convenient Currency Mart branch location in Ontario or Manitoba to lock in today's best cash rates:

TORONTO TRTRAC

Downtown Toronto

Richmond-Adelaide Centre, 120 Adelaide St. W. #R7

Branch Details & Directions »

TORONTO TRTYSC

Toronto North York

4841 Yonge St. Unit 237D (Yonge Sheppard Centre)

Branch Details & Directions »

WINNIPEG WPGDTN

Winnipeg Downtown

Cargill Building, 240 Graham Ave. Unit 290

Branch Details & Directions »

WINNIPEG WPGSVT

Winnipeg St. Vital

1225 St. Mary's Rd (St. Vital Centre)

Branch Details & Directions »

Frequently Asked Questions (FAQ)

Why are CIBC exchange rates marked as Unavailable?

CIBC does not currently publish a real-time programmatic retail cash exchange rate feed for external market comparisons. However, standard retail counter rates at CIBC branches historically carry a 2.5% to 4.0% margin above mid-market interbank rates. You can inspect live rates across Currency Mart's 4 retail branches above.

Can I pick up cash immediately at Currency Mart without waiting for delivery?

Yes! Unlike major banks that often require days of advance notice for non-USD currencies, Currency Mart branches carry over 30 physical currencies in stock ready for instant counter exchange.

What payment methods are accepted at Currency Mart branches?

We accept Cash, Canadian Debit (Interac Direct Payment), and verified Electronic Bank Transfers for large transactions. There are zero additional surcharge fees when paying via standard Canadian Interac debit.

Is Currency Mart regulated in Canada?

Yes. Currency Mart Inc. is fully registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC MSB Registration #M11432814) and operates under strict federal Anti-Money Laundering (AML) and Counter-Terrorist Financing (ATF) compliance mandates.