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Open Roads Forum  >  RVing in Canada and Alaska

 > Expense while traveling in Canada

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ROYBUCK

Newport NC

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Posted: 05/26/12 10:32am Link  |  Print  |  Notify Moderator

I am planning a trip to Nova Scotia in a couple of months, how do most of you pay for your expense, do you get a cash ex-change at the border, I do know that a 3% charge on your credit card for each purchase, appricate any other experence you can share with me, the last time I was in canada was 2000 at that time my credit card converted the amount with no charge, of course I know that was then and this is now. Thanks Roy


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robatthelake

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Posted: 05/26/12 10:41am Link  |  Print  |  Notify Moderator

Unless You like travelling with a Large roll of Cash ,I would suggest using Your Bank "Debit Card" to withdraw some Canadian diollars fron an ATM.

FYI several Canadian Banks have affiliations with American Banks , so there are No Withdrawal Fees involved. Of course there will always be exchange Fees!

EG Bank of Nova Scotia~ Bank of America

TD is TD both in Canada and the USA!


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Bounder Lew

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Posted: 05/26/12 11:03am Link  |  Print  |  Notify Moderator

If you have trouble finding an ATM with no fees, using your credit card will not have changed since your last visit. It is the way I always go for my travels abroad.
I notice you are retired military. There is a campsite dedicated to military, on a nice little lake called Lake Pleasant at 4438N 6452W. You would find lots of like minded Allied military there with their families.
PM me if you want more details.


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bsinmich

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Posted: 05/26/12 11:51am Link  |  Print  |  Notify Moderator

I just use a credit union for my withdrawals and never get any charge other than the exchange rate.


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jmcarp

Colorado

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Posted: 05/26/12 12:01pm Link  |  Print  |  Notify Moderator

ROYBUCK wrote:

I am planning a trip to Nova Scotia in a couple of months, how do most of you pay for your expense, do you get a cash ex-change at the border, I do know that a 3% charge on your credit card for each purchase, appricate any other experence you can share with me, the last time I was in canada was 2000 at that time my credit card converted the amount with no charge, of course I know that was then and this is now. Thanks Roy

CapitalOne credit cards do not charge an exchange fee (unless they've added one in the past few months). There may be others, but I have a CapitalOne card that we used in Canada last year and we never were charged the fee. As for cash, we just used ATMs when needed, but of course our bank did charge an exchange fee for that convenience.

Jim


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Tripalot

Golden Horseshoe, Ont. Canada

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Posted: 05/26/12 06:08pm Link  |  Print  |  Notify Moderator

TD is TD both in Canada and the USA!

That may be so, but US computers cannot "talk" to Canadian computers - they are two separate systems.

I found this out last winter while in Florida. I went into a US TD bank trying to withdraw funds from my Canadian TD bank US account - no way.
You still cannot access your US funds while in the US. Some day - but not now. I went to W.M. and got cash back using my debit card. It is very disappointing to have US funds in a US bank account and you can not access that money while in US.

Apparently Royal Bank can handle this so hopefully before long TD Bank will be able to do it as well and will get with the times.


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Chuck&Gail

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Posted: 05/26/12 09:15pm Link  |  Print  |  Notify Moderator

I get about $100 in Canada cash for donuts and the like. I use Visa or Mastercard for all else as it is simple and easy. Worth the extra payola charge to me.


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NCWriter

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Posted: 05/27/12 06:22am Link  |  Print  |  Notify Moderator

What jmcarp said x2

We have been using a Capital One card for any international travel or other intl puchases the past few years. Fees changed when US law changed on credit card interest rates. After that, the CC companies were looking for new revenue and started adding $3 service charges ON TOP OF the exchange fees.

$3 every time you use your card for a CG or meal?...no thanks. There are a few companies like Cap One that don't charge the fee.

Have been using it for advance Canada purchases like National Parks pass and PP/NP campgrounds such as Fundy for our trip coming up in July and August.

Will be on the lookout for your NC tags, original poster. We're just down the road from Newport.


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PrivatePilot

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Posted: 05/27/12 07:31am Link  |  Print  |  Notify Moderator

Argh, I've been trying to post my response to this thread for 12 hours now and the forum won't save it...

Trying a short response to see if it's just the text or what..


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Dont you hate when you have something to contribute and no sound comes out.


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