How do TD Canada Trust exchange rates compare to Currency Mart?

TD Canada Trust typically charges retail foreign exchange cash spreads between 2.8% and 4.2% above the interbank mid-market rate. 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.

Does TD charge additional fees for cash currency exchange?

TD embeds its conversion fee directly inside the exchange rate spread. Non-account holders or transactions involving uncommon currencies may incur extra administrative handling fees. Currency Mart charges a transparent $3.75 flat fee per currency with no hidden conversion markups.

Do I need to order foreign currency in advance at TD?

Yes, while major TD branches frequently carry limited US Dollars in stock, other popular travel currencies like Euros, British Pounds, Japanese Yen, or Mexican Pesos typically require 2 to 5 business days advance notice. 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 35 Days High

Good Timing to Sell USD in last 35 Days

EUR Reached 4 Days Low

Good Timing to Buy EUR in last 4 Days

GBP Reached 11 Days High

Good Timing to Sell GBP in last 11 Days

JPY Reached 1 Days Low

Good Timing to Buy JPY in last 1 Days

MXN Reached 35 Days Low

Good Timing to Buy MXN in last 35 Days

CHF Reached 8 Days High

Good Timing to Sell CHF in last 8 Days

AUD Reached 1 Day High

Good Timing to Sell AUD in last 1 Day

NZD Reached 35 Days Low

Good Timing to Buy NZD in last 35 Days

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: 2026-10-02 10:00:03 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	0.3524	0.3530	0.3534	0.3466	0.3466
ARS	Unavailable	N/A	N/A	N/A	N/A
AUD Australian Dollar	0.9474	0.9629	0.9342	0.9920	0.9450
BBD	0.6552	0.5806	0.5306	0.6056	0.6056
BDT	Unavailable	N/A	N/A	N/A	N/A
BHD	3.4447	N/A	N/A	N/A	N/A
BMD	Unavailable	N/A	N/A	N/A	N/A
BND	1.0110	N/A	N/A	N/A	N/A
BRL Brazilian Real	0.2335	0.2373	N/A	0.2323	0.2323
BSD	Unavailable	N/A	N/A	N/A	N/A
BZD	Unavailable	N/A	N/A	0.5172	N/A
CHF Swiss Franc	1.6707	1.6555	1.6776	1.7191	1.6598
CLP	0.0012	0.0013	0.0013	0.0013	0.0013
CNY Chinese Yuan	0.1945	0.1843	0.1842	0.1843	0.1843
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	0.0586	0.0611	0.0596	0.0611	0.0611
DKK Danish Krone	0.2148	N/A	N/A	0.2148	N/A
DOP	0.0212	0.0221	0.0216	0.0213	0.0213
EGP	Unavailable	N/A	N/A	N/A	N/A
EUR Euro	1.5449	1.5653	1.5562	1.6052	1.5628
FJD	0.5391	0.5150	0.5536	0.6331	0.5724
GBP British Pound	1.8251	1.8298	1.8357	1.8858	1.8461
GTQ	0.1695	0.1596	0.1596	0.1662	0.1662
HKD Hong Kong Dollar	0.1690	0.1680	0.1680	0.1813	0.1695
HNL	Unavailable	N/A	N/A	N/A	N/A
HUF Hungarian Forint	0.0038	0.0040	0.0040	0.0040	0.0040
IDR Indonesian Rupiah	0.0001	0.0001	0.0001	0.0001	0.0001
ILS Israeli Shekel	0.4260	N/A	N/A	N/A	N/A
INR Indian Rupee	0.0148	N/A	N/A	0.0148	N/A
IQD	Unavailable	N/A	N/A	N/A	N/A
ISK	0.0107	0.0108	0.0106	0.0106	0.0106
JMD	0.0081	0.0083	0.0083	0.0090	0.0083
JOD	1.8220	1.8595	1.8594	N/A	N/A
JPY Japanese Yen	0.0087	0.0088	0.0084	0.0090	0.0084
KES	0.0097	0.0099	0.0093	0.0099	0.0099
KRW South Korean Won	0.0009	0.0010	0.0010	0.0010	0.0010
KWD	4.0679	4.2296	4.2296	4.6085	4.1410
KYD	1.5486	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	0.0741	0.0764	0.0714	0.0785	0.0748
MYR Malaysian Ringgit	0.3112	0.3248	0.3201	0.3296	0.3296
NIO	Unavailable	N/A	N/A	N/A	N/A
NOK Norwegian Krone	0.1481	N/A	N/A	0.1481	N/A
NPR	Unavailable	N/A	N/A	N/A	N/A
NZD New Zealand Dollar	0.7505	0.7663	0.7663	0.8009	0.7516
OMR	3.3805	N/A	N/A	N/A	N/A
PEN	0.3662	0.3773	0.3733	0.3772	0.3772
PHP Philippine Peso	0.0202	0.0202	0.0203	0.0195	0.0195
PKR	Unavailable	N/A	-0.0008	N/A	N/A
PLN Polish Zloty	0.3227	0.3367	0.3369	0.3668	0.3363
PYG	Unavailable	0.0002	N/A	N/A	N/A
QAR Qatari Riyal	0.3376	N/A	N/A	0.3206	0.3206
RON Romanian Leu	0.2721	0.2503	0.2503	0.2664	0.2664
SAR Saudi Riyal	0.3437	0.3436	0.3436	0.3787	0.3331
SEK Swedish Krona	0.1422	0.1346	N/A	0.1422	N/A
SGD Singapore Dollar	1.0441	1.0658	1.0532	1.1140	1.0379
THB Thai Baht	0.0392	0.0386	0.0391	0.0425	0.0386
TND	Unavailable	N/A	0.0707	N/A	N/A
TRY Turkish Lira	0.0251	0.0259	0.0180	0.0148	0.0148
TTD	0.2099	0.1711	0.1769	0.2099	0.1682
TWD Taiwan New Dollar	0.0397	0.0399	0.0399	0.0410	0.0410
TZS	Unavailable	N/A	N/A	N/A	N/A
UAH	Unavailable	N/A	-0.0032	N/A	N/A
USD US Dollar	1.3736	1.4018	1.3991	1.3934	1.3926
UYU	0.0316	N/A	N/A	N/A	N/A
VND Vietnamese Dong	0.0000	N/A	N/A	N/A	N/A
XCD	0.4808	0.4558	0.4558	0.4853	0.4853
XPF	0.0117	0.0112	0.0112	0.0112	0.0112
ZAR South African Rand	0.0753	0.0797	0.0805	0.0857	0.0775

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.

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

Foreign Amount:

Currency:

Currency Mart Branch:

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.