Train Station Currency Exchange Near Toronto Union Station
Arriving in downtown Toronto by train via VIA Rail, GO Transit, Amtrak, or the UP Express from Pearson Airport? Walk 12 minutes indoors through the underground PATH network to Currency Mart at 120 Adelaide St W. Enjoy top train station currency exchange rates with zero fees on USD/CAD and over 70 cash currencies ready on demand.
Does Toronto Union Station have a train station currency exchange?
No retail foreign exchange counter currently operates inside the Union Station train concourses or railway waiting halls. If you are seeking a train station currency exchange after stepping off the train, the closest dedicated branch is Currency Mart, located a 12-minute climate-controlled walk north through Toronto's underground PATH network at 120 Adelaide St W (Richmond-Adelaide Centre food court level).
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Our Services
Three ways to exchange money at Currency Mart.
Buy Foreign Banknotes
Bring your foreign currency to any Currency Mart branch and receive Canadian dollars on the spot. We accept USD, EUR, GBP, JPY, AUD, CNY and 70+ others. No appointment — just walk in.
Sell Foreign Banknotes
Need foreign cash before a trip? We sell over 70 currencies from in-store inventory at all 4 locations. Walk in and leave with the currency you need the same day — no pre-ordering required for major currencies.
Non-Cash Exchange
For USD, EUR, and GBP wire transfers and bank drafts, we offer non-cash exchange at rates better than physical banknotes. Well-suited for real estate transactions, business payments, and larger personal transfers.
Why Exchange Currency Near Union Station at Currency Mart
Clear pricing, large cash inventory, and a direct 12-minute indoor walk from Toronto's primary transit hub.
70+ Currencies in Stock
Physical inventory for US dollars, euros, British pounds, Japanese yen, and Mexican pesos ready on demand. Walk in without multi-day pre-order delays.
Save 8% to 10% vs. Airport
Airport booths charge 8% to 12% over wholesale rates. Our retail margins sit at 0.5% to 1.5%, saving you significant money after arriving on the UP Express.
Zero USD/CAD Fees
No hidden transaction fees on US dollar and Canadian dollar conversions. A flat $3.75 CAD fee applies per foreign currency on other currency pairs.
Lock In Rates Online
Lock in today's live counter rate online or by calling 647-812-2286 before you take the train. Collect your physical cash at the counter at your convenience.
12-Min Indoor PATH Walk
Directly linked through Toronto's underground pedestrian network. Walk straight from UP Express, GO Train, or TTC platforms without stepping outside.
Step-by-Step PATH Walk from Union Station
Toronto's PATH network connects Union Station directly to our building. Follow this 12-minute indoor route:
- 1 Exit your train platform into the Union Station main concourse and follow overhead signs marked PATH North.
- 2 Pass through the Fairmont Royal York Hotel lower concourse corridor heading north toward Front Street.
- 3 Continue through the Toronto-Dominion Centre (TD Centre) retail walkway following PATH directional signs.
- 4 Proceed through Commerce Court and past the Sheraton Centre toward Adelaide Street West.
- 5 Enter the Richmond-Adelaide Centre at 120 Adelaide St W. Take the escalator to the lower concourse food court level.
- 6 Currency Mart is located directly inside the food court, right next to the accessible ramp.
Exchange Comparison
See how Currency Mart compares against airport kiosks and downtown banks:
| Feature | Airport Kiosks | Big Banks | Currency Mart |
|---|---|---|---|
| Typical Margin | 8% to 12% | 2.5% to 4.5% | 0.5% to 1.5% |
| USD/CAD Fee | $5 to $10 | Account fees | $0.00 |
| Currencies in Stock | Common only | 3 to 5 days wait | 70+ cash currencies |
| Access from Union | 25 min train ride | Street walk / branches | 12 min indoor PATH |
Financial takeaway: On a $1,000 USD to CAD exchange, walking 12 minutes to Currency Mart from Union Station saves roughly $60 to $100 compared to Pearson Airport terminal booths.
PATH Network Map
Download a printable guide showing the walk between Union Station, UP Express, and the Richmond-Adelaide Centre.
Download PATH Route Map (PDF)Live Counter Exchange Rates
Compare live downtown cash rates against typical quotes from Canadian chartered banks.
Live Exchange Rate
The rate can only be guaranteed at the time of transaction.
WARNING: Inventory is constantly changing.
Exchange Rate Comparison with Canadian Banks
Live Rate Comparison
Updated 8 am Weekday — Next refresh in 5:00| Currency | Currency Mart exchange | RBC bank | TD bank | BMO bank | Scotia bank |
|---|---|---|---|---|---|
| Loading rates… | |||||
Buy rate by default — CAD per 1 unit of foreign currency. Green = best rate, red = worst.
47,000+ Customers
200,000+ Transactions
300 Million+ Exchanged
Branch Information
Monday - Wednesday: 8:30 am - 4:30 pm
Thursday - Friday: 8:30 am - 4:30 pm
torontopath@currencymart.net
Customer Reviews
Based on 117 Google Reviews
Super fast super efficient . Better rates than most of the other names in Toronto DT/ financial district. Location was a bit of a find, but the person over the phone was super responsive and helpful.
$3.75 fee for each currency. Not useful if you have small changes from overseas travel.
Great place to exchange currency! I’ve came here to exchange GBP, Brazilian rials, Chilean peso, Mexican peso etc, and I’ve been given great rates and great service every time!
Parking Instructions Near Richmond-Adelaide Centre
Parking is $3.50 for 30 minutes. Enter through the steel door beside the pay station on parking level P1, labeled as PATH. Walk straight through the Sheraton Hotel to the Richmond-Adelaide Centre. We are located on the far side of the food court, beside the accessible ramp.
Parking entrance is at 100 Queen St W.
PATH entrance inside parking level P1:
Access Currency Mart from Ground Level
Take the escalator behind the main lobby security desk down to the Toronto PATH level. Currency Mart is six storefronts down on your right, next to the accessible ramp.
Enter 110 Adelaide St W and take the lobby escalator down to the PATH. Turn right at Rexall and proceed straight into the food court.
Enter 130 Adelaide St W and take the escalator down to the PATH level. Turn left past Rexall into the food court area.
Canadian Currency Exchange Rules and Identification Requirements
Foreign exchange in Canada is regulated at the federal level by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). Currency Mart complies strictly with all client identification and anti-money laundering requirements:
- Transactions under $1,000 CAD: Cash exchanges can typically be completed without presenting identity documents.
- Transactions between $1,000 CAD and $2,999.99 CAD: One piece of valid, unexpired government-issued photo identification (such as a Canadian driver's license, provincial photo card, or international passport) is verified and recorded.
- Cash transactions of $3,000 CAD or higher: Full identity verification, customer occupation details, and statutory record-keeping are completed in line with federal FINTRAC compliance obligations.
- Large cash transactions of $10,000 CAD or more: Mandatory reporting to FINTRAC within 15 calendar days is required by federal law.
Please bring a valid photo ID if you plan to exchange $1,000 CAD or more in cash. We accept cash, debit cards, and Interac payments at the counter.
Frequently Asked Questions About Train Station Currency Exchange Near Union Station
Visiting Toronto or Arriving on the UP Express? Visit Our PATH Counter
Save 8% to 10% on your foreign cash exchange by walking 12 minutes indoors from Union Station through the PATH network. Call ahead or visit our counter Monday through Friday.
120 Adelaide St W, Suite R7, Toronto, ON M5H 1T1 • Richmond-Adelaide Centre PATH • Monday to Friday 8:30 AM to 4:30 PM