Foreign Currency Exchange Toronto Downtown - 120 Adelaide St. W.
Looking for the best currency exchange in Downtown Toronto? Currency Mart's underground PATH location at 120 Adelaide St. W. (Richmond-Adelaide Centre) offers transparent 0.5%–1.5% margins that beat major bank rates by up to 2% with zero hidden fees. We stock over 70 foreign currencies for immediate same-day cash pickup and have proudly served Toronto travellers and Financial District professionals since 2012.
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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.
Trade USD/CAD Online 24/7
Currency Pair
How it works?Mid-Market Rate
What is Mid-Market Rate?Online USD/CAD Exchange
Requirements | Payments | Settlements
Requirements
- Have Both USD & CAD accounts in Canada
- Provide a valid ID & Utility Bill
USD Payments
- Electronic Fund Transfer
- Wire
CAD Payments
- Electronic Fund Transfer
- Wire
- e-Transfer
- Debit
Settlements
How fast payments settle depends on how you pay us.
- e-Transfer - 2 Business Days
- Debit - 2 Business Days
- Electronic Fund Transfer - 5 Business Days
- Wire - 2-5 Business Days
77,000+ Customers
500,000+ Transactions
900 Million+ Exchanged
Branch Information
Monday - Wednesday: 8:30 am - 4:30 pm
Thursday - Friday: 8:30 am - 4:30 pm
torontopath@currencymart.net
Why Exchange Currency at Currency Mart Toronto Downtown
More value on every exchange — here's why thousands of Downtown Toronto professionals and travellers choose us over the banks.
70+ Currencies in Stock
From US dollars, euros, and British pounds to exotic travel currencies, physical cash is ready for same-day walk-in pickup.
Better Rates Than Banks
Our transparent margins run 0.5–1.5% over mid-market, beating major Financial District bank rates by up to 2%.
Underground PATH Location
120 Adelaide St. W. in the Richmond-Adelaide Centre, a short climate-controlled walk from St. Andrew and Queen subway stations.
Preorder & Lock Rates
Lock in live rates online or by phone at (647) 812-2286 and pick up when convenient with guaranteed banknote availability.
Fast 5-Minute Service
Quick counter service designed for busy downtown commuters, lunch breaks, and Financial District professionals.
Currency Converter
Live Exchange Rate
The rate can only be guaranteed at the time of transaction.
WARNING: Inventory is constantly changing.
Compare Rates with 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 |
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Buy rate by default — CAD per 1 unit of foreign currency. Green = best rate, red = worst.
Frequently Asked Questions: Currency Exchange Toronto
Where is the best place to exchange currency in Downtown Toronto?
The best place to exchange currency in Downtown Toronto is in the underground PATH concourse at 120 Adelaide St. W. (Suite R7, inside Richmond-Adelaide Centre). Located directly between St. Andrew Station (4-min walk) and Queen Station (8-min walk), Currency Mart offers institutional mid-market-linked rates on over 70 currencies with zero hidden fees, easily accessible from the Financial District.
How do Currency Mart exchange rates compare to banks in Toronto?
Major Canadian banks like TD, RBC, and Scotiabank typically add 2% to 4% markups over the interbank mid-market rate and often require several days of notice for foreign cash. Currency Mart operates on tight 0.5% to 1.5% margins, saving you up to 2% on major currencies like USD, EUR, and GBP with instant on-the-spot cash pickup.
What foreign currencies are kept in stock for walk-in exchange in Toronto?
Currency Mart keeps physical banknotes for over 70 foreign currencies in stock at our Downtown Toronto PATH branch, including US dollars, euros, British pounds, Japanese yen, Mexican pesos, Australian dollars, Swiss francs, and Philippine pesos. Major travel currencies are ready for immediate walk-in purchase without prior ordering.
Should I exchange currency at Toronto Pearson Airport or Downtown Toronto?
Exchanging currency in Downtown Toronto saves you substantial money compared to Toronto Pearson Airport (YYZ). Airport exchange kiosks frequently charge 8% to 15% exchange rate margins plus service fees. Exchanging at Currency Mart in Downtown Toronto before heading to Pearson can save you $50 to $150 on an average travel budget.
Can I preorder foreign currency online for same-day pickup in Downtown Toronto?
Yes. You can lock in your live exchange rate online at currencymart.net or by calling (647) 812-2286, and pick up your cash at our 120 Adelaide St. W. PATH counter during business hours. Preordering guarantees banknote availability and protects you against market fluctuations.
What ID is required to exchange currency in Toronto?
Under Canadian federal law and FINTRAC regulations, transactions under $3,000 CAD require no photo ID (except for repeat customers). Accumulated transactions of $5,000 CAD or higher require proof of funds documents under federal law, and transactions of $100,000 CAD or higher require a statutory Politically Exposed Person (PEP) declaration filed with no extra cost.
Federal Statutory Compliance & Consumer Protection
Currency Mart Inc. is a licensed Canadian Money Services Business registered with FINTRAC under registration number M11432814.
Google 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!
Our Branches Across Canada
Walk in anytime — no appointment needed. Bring a government-issued ID.
Downtown
240 Graham Ave, Suite 290
Winnipeg, MB R3C 0J7
St. Vital
1225 St Mary's Rd, #26D
Winnipeg, MB R2M 5E5
Downtown
120 Adelaide St W, #R7
Toronto, ON M5H 1T1
North York
4841 Yonge St, Unit 237D
Toronto, ON M2N 5X2
Parking Instruction
Parking is $3.50 for 30 minutes. Walk into a steel door beside pay station at P1 level, labeled as PATH. Walk straight through the Sheraton Hotel and keep walking straight to Richmond-Adelaide Centre. We are on the other side of the food court, beside a handicap ramp.
Parking Entrance at 100 Queen St. W.
PATH Entrance inside Parking P1 Level
Walk Straight Through Shearton Hotel
Richmond-Adelaide Centre in PATH
Access Currency Mart
About 2 minutes walk. Walking into the building of 110 Adelaide St. W., take the escalator from the lobby down to Toronto PATH. Turn right at Rexalll drug store and walk stright to foot court. We are inside the food court, beside a handicap ramp.
About 1 minutes walk. Walking into the building of 120 Adelaide St. W., take the escalator behind the security desk down to Toronto PATH, we are 6 shops away on your right hand side, beside a handicap ramp.
About 1 minutes walk. Walking into the building of 130 Adelaide St. W., take the escalator from the lobby down to Toronto PATH. Turn left at Rexall drug store and walk stright to foot court. We are inside the food court, beside a handicap ramp.
About 1 minutes walk. Walking into the building of 85 Richmond St. W., take the escalator down to Toronto PATH, we are on the other side of the food court beside a handicap ramp.