TD Exchange Rate vs Currency Mart 2026 | Live Foreign Exchange Comparison




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LIVE BANK BENCHMARK TORONTO & WINNIPEG

TD Exchange Rate vs Currency Mart 2026 — Live Rate Comparison

Compare today's live cash exchange rates from TD Canada Trust 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.

Last updated: 2026-09-23 17:00:04 ET  |  Physical retail banknote cash rates

Live Rate Comparison: TD Canada Trust 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 TD Canada Trust Bank
Richmond-Adelaide
TRTYSC Branch
Cargill Building
WPGSVT Branch
AED
UAE Dirham 		0.3485 0.3496 0.3500 0.3433 0.3432
ARS
Unavailable N/A N/A N/A N/A
AUD
Australian Dollar 		0.9512 0.9641 0.9354 0.9932 0.9461
BBD
0.6484 0.5745 0.5245 0.5995 0.5995
BDT
Unavailable N/A N/A N/A N/A
BHD
3.4083 N/A N/A N/A N/A
BMD
Unavailable N/A N/A N/A N/A
BND
0.9999 N/A N/A N/A N/A
BRL
Brazilian Real 		0.2352 0.2380 N/A 0.2330 0.2330
BSD
Unavailable N/A N/A N/A N/A
BZD
Unavailable N/A N/A 0.5111 N/A
CHF
Swiss Franc 		1.6638 1.6464 1.6685 1.7100 1.6507
CLP
0.0013 0.0013 0.0013 0.0013 0.0013
CNY
Chinese Yuan 		0.1922 0.1822 0.1822 0.1823 0.1823
COP
0.0004 0.0004 0.0004 0.0004 0.0004
CRC
0.0028 0.0030 0.0030 0.0029 0.0029
CZK
Czech Koruna 		0.0587 0.0612 0.0597 0.0612 0.0612
DKK
Danish Krone 		0.2148 N/A N/A 0.2148 N/A
DOP
0.0211 0.0219 0.0215 0.0211 0.0211
EGP
Unavailable N/A N/A N/A N/A
EUR
Euro 		1.5462 1.5665 1.5574 1.6064 1.5640
FJD
0.5294 0.5089 0.5475 0.6270 0.5662
GBP
British Pound 		1.8104 1.8127 1.8186 1.8687 1.8290
GTQ
0.1678 0.1582 0.1582 0.1649 0.1649
HKD
Hong Kong Dollar 		0.1671 0.1665 0.1665 0.1798 0.1680
HNL
Unavailable N/A N/A N/A N/A
HUF
Hungarian Forint 		0.0039 0.0040 0.0040 0.0040 0.0040
IDR
Indonesian Rupiah 		0.0001 0.0001 0.0001 0.0001 0.0001
ILS
Israeli Shekel 		0.4255 N/A N/A N/A N/A
INR
Indian Rupee 		0.0147 N/A N/A 0.0147 N/A
IQD
Unavailable N/A N/A N/A N/A
ISK
0.0106 0.0107 0.0106 0.0105 0.0105
JMD
0.0080 0.0082 0.0082 0.0090 0.0082
JOD
1.8027 1.8425 1.8423 N/A N/A
JPY
Japanese Yen 		0.0086 0.0087 0.0083 0.0089 0.0082
KES
0.0096 0.0098 0.0093 0.0098 0.0098
KRW
South Korean Won 		0.0009 0.0010 0.0010 0.0009 0.0009
KWD
4.0270 4.1824 4.1824 4.5613 4.0938
KYD
1.5320 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 		0.0763 0.0784 0.0734 0.0805 0.0768
MYR
Malaysian Ringgit 		0.3080 0.3223 0.3175 0.3270 0.3270
NIO
Unavailable N/A N/A N/A N/A
NOK
Norwegian Krone 		0.1488 N/A N/A 0.1488 N/A
NPR
Unavailable N/A N/A N/A N/A
NZD
New Zealand Dollar 		0.7511 0.7660 0.7660 0.8007 0.7514
OMR
3.3442 N/A N/A N/A N/A
PEN
0.3694 0.3842 0.3803 0.3842 0.3842
PHP
Philippine Peso 		0.0199 0.0199 0.0200 0.0192 0.0192
PKR
Unavailable N/A -0.0009 N/A N/A
PLN
Polish Zloty 		0.3229 0.3367 0.3369 0.3669 0.3364
PYG
Unavailable 0.0002 N/A N/A N/A
QAR
Qatari Riyal 		0.3338 N/A N/A 0.3174 0.3174
RON
Romanian Leu 		0.2756 0.2548 0.2548 0.2709 0.2709
SAR
Saudi Riyal 		0.3399 0.3405 0.3405 0.3756 0.3299
SEK
Swedish Krona 		0.1422 0.1346 N/A 0.1422 N/A
SGD
Singapore Dollar 		1.0323 1.0536 1.0410 1.1017 1.0257
THB
Thai Baht 		0.0391 0.0384 0.0389 0.0422 0.0384
TND
Unavailable N/A 0.0716 N/A N/A
TRY
Turkish Lira 		0.0249 0.0258 0.0179 0.0147 0.0147
TTD
0.2076 0.1688 0.1746 0.2076 0.1659
TWD
Taiwan New Dollar 		0.0393 0.0395 0.0395 0.0406 0.0406
TZS
Unavailable N/A N/A N/A N/A
UAH
Unavailable N/A -0.0034 N/A N/A
USD
US Dollar 		1.3608 1.3896 1.3869 1.3813 1.3804
UYU
0.0314 N/A N/A N/A N/A
VND
Vietnamese Dong 		0.0000 N/A N/A N/A N/A
XCD
0.4757 0.4513 0.4513 0.4808 0.4808
XPF
0.0117 0.0112 0.0112 0.0112 0.0112
ZAR
South African Rand 		0.0759 0.0801 0.0809 0.0861 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 TD Canada Trust

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

TD Canada Trust Total: —
Currency Mart Total: —
Calculating live comparison...
Based on live cash rates with a transparent $3.75 Flat Fee / Currency.

Understanding TD Canada Trust Foreign Exchange Rates vs Currency Mart

TD Canada Trust is one of the largest retail banks in Canada, operating extensive branch networks across Ontario, Manitoba, and nationwide. However, exchanging foreign cash at retail bank counters often comes with significant hidden markups.

TD bank cash rates include a substantial spread typically between 2.8% and 4.2% over the live interbank market. Currency Mart provides tight wholesale spreads averaging 0.7% to 1.5% with a transparent $3.75 flat fee per currency, maximizing the cash value you receive.

Tighter Cash Spreads

Currency Mart operates with institutional wholesale 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 TD 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: TD vs Currency Mart

Feature / Policy Currency Mart TD Canada Trust
Conversion Fee Policy $3.75 Flat Fee / Currency Embedded inside wider 2.8% - 4.2% bank rate spread
Cash Rate Markup (USD/CAD) ~0.8% - 1.2% Wholesale Spread ~2.8% - 4.0% 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 TD Access 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 Currency Mart exchange rates better than TD Canada Trust?

Major chartered banks prioritize mortgages, business loans, and commercial accounts over physical retail currency exchange. Currency Mart is a specialized Money Services Business (MSB) focused exclusively on physical currency exchange, allowing us to offer wholesale spreads and pass significant savings to our customers.

Does TD offer preferred rates for TD account holders?

Even with specialized account packages like the TD Borderless plan, retail bank counter cash margins remain substantially wider than Currency Mart's wholesale rates. At Currency Mart, every client receives our best institutional cash rates without paying monthly account maintenance fees.

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.