Between commissions, fees, and surcharges, ever felt like you were getting the short end of the stick when exchanging your Canadian dollars? Chances are you were. The mark-up is then blended into the exchange rate you see on your receipt, so consumers have little chance of figuring out how much the the bank or exchange bureau actually charged. Most Canadians are not aware they can do significantly better.

What we found was surprising. The best currency exchange rate available to Canadians is the use of a no foreign transaction fee credit card. It offers a near perfect foreign exchange rate.

All you get charged is the foreign exchange rate for that day, set by Mastercard or Visa, which is based on the market rates as seen in Bloomberg, Reuters and the Central Banks. There is no additional foreign exchange fee. The worst places to exchange your money? The airport, hotels and your bank branch. The only credit card issuers in Canada that offer subsidized foreign transaction fees on credit card are Rogers Bank Rogers Platinum MasterCard and Chase Canada Marriott Visa.

They all charge a foreign transaction fee of 2. They do the same for debit cards either when making a purchase at a U. Avoid exchanging your Canadian dollars at the bank, taking out money at the ATM or using a credit card with foreign transaction fees while travelling or shopping online. The best way to get the lowest currency exchange rate is to use a credit card without a foreign transaction fee. Would the no annual fee Rogers credit card you mention be an accepted card on PayPal for Canadian sellers on eBay who use PayPal to accept payment?

For Canadian eBay sellers who get payments in USD via PayPal, PayPal will inevitably charge a foreign transaction fee, as you mentioned.

Officially, this fee is 3. Only purchases made abroad or from foreign online retailers with cards like these are exempt from the extra transaction feesand adding foreign money to the card or account may not be considered as eligible for this benefit. Regardless, PayPal is the party charging you the extra 2. You could try looking into opening a USD bank account in Canada, which is easily possible, but when trying to use that money you will run into fees as well.

I just wanted to comment on the Chase Amazon visa, which is what I use and think its good No Foreign transaction fee card. Some others mentioned previously they were getting charged what looked like higher rate or the fees. I have not found that in an cases since I have had the card August I used it when I went to Europe and now for all my US purchases.

In Europe the days I compared posted rate on card was 1. Thank you for putting up so much useful information here! I definitely learned a lot from you! I am planning a trip to Japan later this year and read somewhere online that if you use Visa and MasterCard in Japan, they would convert Japanese Yen into USD first then convert into CAD.

Would this double conversion increase the overall cost to convert Yen to CAD if I use my Rogers MasterCard in Japan? Thanks for the appreciation. Establishments in Japan accept most credit cards and take payment in Yen. We are confident that stores, restaurants, hotels and other places in Japan will make the card convert just once — from CAD to JPY.

MasterCard and Visa will apply the standard foreign exchange rate and then any foreign transaction fee that comes with using your card abroad. On a related note, be sure to let the card issuer know that you will be abroad. This way, purchases will not get red-flagged and access to funds will go uninterrupted. Sorry for the late response… somehow I lost this page and just found it.

I will be traveling around the world for a year, and now have the Rogers Platinum credit card you recommend. However, many places I will be traveling do not accept credit card. I will bring some USD cash with me, but sometimes will have to take cash out of ATMs. Do you know of a Canadian bank that does not charge or rebates foreign ATM fees? Some of the US banks have this type of account, e.

Scotia is part of the Global ATM Alliance. The network seems to be quite extensive throughout the globe. If you have some bank plans TD Select, RBC VIPthey will not charge you a fee on their end, but the ATM you are withdrawing from will still charge you a fee. I have a RBC Visa, Infinite, Avion credit card.

When I use it for purchases in the US, will I have to pay the 2. If you use your RBC Avion Visa Infinite card for a purchase in the U.

Hello GreedyRates, I need your advice regarding the US-Canada currency exchange. I expect to earn in US funds to be deposited in a US bank account. Those funds will be used to pay Canadian bank loan on a bi-weekly basis.

Could you please advise as to what would be the best approach for me to obtain best exchange rate and save on currency conversion fees? Thanks for your guidance and advice. Your best bet is to get a few quotes and determine which is the lowest cost and most convenient provider for you. You should probably check out Knightsbridge as well as the online exchange rate with your retail bank — this can be especially advantageous if you have a cross border account with TD or RBC.

Hi there, I came across your site while searching for currency converters. Thank you so much for the help. What is the best route to take for converting currency for a large purchase like this?

Thanks so much, Sandra. Please correct me if I am wrong on my understanding. Please respond to my query, as I am trying to figure out the cheapest way to travel in Europe without incurring additional charges that need not be.

I am sure you have answered this question above, but for me to understand, I need you to answer my question in the form it is written. Correct, Visa and MasterCard set the foreign exchange rate 2. Over 52 testing periods, MasterCard averaged 58 basis points.

Currency Converter for Foreign Exchange | Western Union Online FX

As a result, a card with no foreign transaction fees, will typically be cheaper than most if not all other currency exchange alternatives available to an individual. However, the net rewards rate ends up being 1. As a result, we believe the Rogers credit card offers the best FX value in the Canadian marketplace.

Hi, Just read that the SnowBird Association offers Canadian dollars send to your US acct, at preferred rates. Have you heard of this, and are rates competitive? If you need U. However, there are two caveats. The Rogers card offers more value on foreign purchases than either the Amazon or Marriott cards. The Rogers card comes out ahead. Hopefully this clarifies why we recommend the Rogers MasterCard for foreign purchases.

Rogers is just subsidizing the foreign transaction fee with its high cash back rate on foreign purchases, but is still offering more value than any other credit card alternative in the Canadian marketplace. Hi, If you have a credit card with 2. The first time when converting Nzd to Usd and the second time when converting Usd to Cad? Thank you very much Dao. In fact, as far as we know, every credit card issuer uses the US Dollar as the peg currency when switching an intl currency to the Cdn dollar.

Some just articulate it in their disclosures while others do not. I was surprised to see no mention of major Canadian Banks US Credit Cards as a solution to the exchange fee issue. What is your opinion on the CIBC US Dollar Visa card along with using a US Dollar bank account. Would this be a viable alternative? Buy US funds when the US currency is favourable, deposit into the US account, and spend using the US Visa while in the US.

Payoff the US Visa card balance with the funds pre-purchased at a favourable rate. I would like to hear opinions on this method of saving on exchange fees — any info would be appreciated. If you already have US Dollars, or earn American dollars, a US Dollar currency card is a good alternative.

The reason is because when you convert your Canadian dollars to US dollars at the bank or exchange bureau, you will be charged a fee on top of the spot rate. However, the fee is not separated from the exchange rate provided. In general, that fee will be in the 2. When using a credit card with subsidized foreign exchange fees, you will be paying substantially less. Moreover, not only will you be avoiding the 2. As of right now, no Canadian US Dollar cards offer a competitive rewards program, if any at all.

I opened a U. Thanks for the feedback. It would be helpful to all of us. Thank you so much for the fantastic article! I have a few questions:. Would you use the Rogers Mastercard or Marriott Visa to exchange currency at a foreign bank?

It seems that with the 1st year waiver and 30, points, it is a great churning opportunity? I would get quotes from 3 places. They match it every time. You get the best price and it saves the inconvenience of having to work with an exchange bureau.

Always better to get some quotes and do it domestically. You might be better off ensuring you bring some foreign cash with you for those eventualities.

Doing a cash advance is also expensive, given that you will be paying a cash advance fee, plus incurring interest right away. Both cards are great. Ultimately we chose the Rogers card because it has no annual fee, you earn 1. Sorry one more question! With the Marriot Rewards card, I believe the current offer is 30, points after first purchase.

In the past, there used to be an offer with 30, points plus 1 free night after approval. Does that not exist anymore? You get 30, points plus a 1 free night anniversary certificate, every year. Always been like that as far as we know. Hi, Somebody already asked this question but unfortunately there is no answer posted.

I have some inheritance money in British pounds due to me. What can I do to get a better exchange rate? Is there anywhere to go that would be better? Or is there someone to whom I can launch a complaint? The alternative is to get multiple quotes from foreign currency exchange shops like TransferWise, CanadianForex, XE Trade, NorthStar, International Currency Exchange, and Knightsbridge Foreign Exchange.

BitGold is an interesting approach to reducing the exchange rate. Purchase DLR on the TSX from your Canadian cash account. At the same time, sell the DLR. I will be receiving an inheritance in British pounds GBP and wish to convert it to Canadian dollars. What suggestions would you have for securing the best rate?

Went to US yesterday and shopped at the duty free store using the Amazon Visa, the exchange rate is 1. Not sure how Chase can be charging you at club penguin money maker versions. Yes the foreign transaction fee is supposed to be waived for the Chase Amazon Visa.

Shawn, I had the exact same complaint. Same thing as CIBC. I left a review on Amazon. Chase needs to be called on their bait-and-switch. Benefits of binary options brokers in the u s son forex thai baht usd be going to a US prep-school in the fall and I trading index futures options tutorials looking for the best option of exchanging Canadian to US funds to pay forex oil symbol it.

As a private school, they very well may. If so, use how to buy irish bank shares no foreign transaction fee credit nigeria forex reserve position to pay for the tuition — that will give you the lowest exchange rate. The credit card will convert your US dollar purchase to Canadian dollars, close to, or at, the spot rate, with no additional exchange rate fees or margin.

If your credit card does not come with a sufficiently big enough credit line to pay for the tuition, either iteratively break up the tuition payments and repay your credit card each time, or see if the credit card company will temporarily grant you a larger line for a big purchase.

If not, the best thing for you to do is to exchange your money through a company like KnightsbridgeFX. Build an automated stock trading system in excel ebook can also take your quote from Knightsbridge and tickerplant software stock market if your branch manager can match it by calling into the FX desk of the bank — saves you the trouble of applying through Knightsbridge and transferring funds.

HSBC debit cards have no 2. They are the only Canadian bank to do that now that Citibank is gone. Just remember, you cannot use your HSBC debit card at foreign merchants, either face-to-face out of country, or on the internet. You can only use it to withdraw cash at an ATM in a foreign country. Moreover, while HSBC confirmed to GreedyRates that they do no charge a foreign transaction fee with their debit card this comment is not referring to credit cardsthey were less transparent on where they derived their conversaion rate from.

Will any of the major banks waive the foreign currency transaction fee on the credit cards BMO, TD, or even AmEx if you call them to advise you are travelling internationally? Maybe a one time offer? Is there any truth to it or would I be wasting my time? However, your question peaked our curiosity! None were willing or able. If your bank does agree to waive your FX fee, please subeta stock market guide us know so we can share with our readers!

You have a couple of options. We usggest you get multiple quotes, more or less at the same time, to see which one gets you the best rate, with the least fees:. If you have a brokerage account, see how much it charges for currency conversion. Brokerage volatility indicator forex mt4 tend to offer cheap conversion options for high dollar amounts.

Check currencyfair, which allows you to exchange currency and transfer money internationally live gold rate in indian rupees P2P.

In the end, you ay always want to take the best rate you get, bring it to your branch manager, and see if they can call their FX desk and match it. If the transaction is in USD, PayPal will convert the USD to Canadian dollars, collect a 2. They will then charge your Canadian credit card the converted Canadian dollar amount. Because PayPal controls the transaction, they astutely convert the currencies themselves before it hits the creidt card and keep the 2.

The workaround on this, is obviously to use your no foreign transaction fee credit card directly, without going through PayPal. Truthfully, not that big a hassle. You can get a U. If you have a U.

I do a lot of business online in U. Yo bring up a point we think merits additional comment. Dollard credit card, or a no foreign transaction fee card? If you earn U. However, if you earn Canadian dollars, a no foreign transaction fee card will save you more. The reason is because, if you get a U.

You will typically do so at the bank or through an exchange service. That fee will be included in your exchange rate. Typically it will cost from 1. You will then use those US dollars to pay down your US dollar credit card bill.

Kospi stock exchange holidays 2016, most US dollar cards either earn you no rewards, or minimal rewards. Whereas, you option trading pricing and volatility strategies and techniques by euan sinclair earn substantial rewards with all of the no foreign transaction fee credit cards Rogers — 1.

The only exception would be if you earn income in US dollars. I earn USD and currently use a TD USD Visa. I use my regularly earned USD to pay that bill each month. I also have an Amazon. Awesome question, and the answer is yes — it would be beneficial for you to make purchases in, or from the US with your Amazon.

Hopefully this answers your questions! I have an Intercam account in Mexico. In addition, you will be charged for the foreign exchange by TD as follows: Deposit transactions are free. In our opinion, there are two ways we would tata global share market price converting new zealand futures market Canadian dollars to Pesos.

First, for those merchants accepting credit cards, use a no foreign transaction fee credit card Rogers, Marriot, Amazon. You will only be charged the foreign exchange set by Visa or Mastercard, which is better than anything you will be able to achieve on your own. The other advantage is, you want have to pay any ATM fees to access your cash. Secondly, to pay merchants who require cash, we would recommend you get multiple trading calendar stock exchange from TD speak to a branch manager and get a quote from the foreign exchange deskHSBC, Knightsbridge only charge.

Thanks so much for this post. I have an expensive surgery in the US this spring and have been watching the live currency chart religiously for awhile now. Finally pulled the trigger to pay half of it after seeing the terrible 1.

Noticed that the USD to CAD closed at 1. Sigh, just scavenging to make money an application to Rogers, was rejected from Amazon already. I use it daily in the USA.

The Chase card also accumulates points. Yearly one gets a free one overnight in any 1 to 4 or 5 category Marriott Hotel. It is the Scotiabank Momentum card. I just got my replacement card for the Sears card. That said, previous and NEW Scotia foreign exchange rate rupees to dollars will not have their foreign transaction fees waived. Only those who were converted from the Sears portfolio. Are you aware if casinos kitco stock market silver the US offer better exchange rates on using Canadian cash to purchase US cash?

I do know that many casinos in Canada offer better rates for exchanging US to Canadian, but I am not sure if this is the same in the US. Hi, You Guys are best advisors than big banks have,very knowledgeable indeed. I have Us account and have some money sitting in it. Is it good time to convert it into CDN? From where I can get best rates? Do the banks charge any fee on conversion of currency?

Thanks in advance for your time. Thanks for the kind words! If you look at historical charts sincethe dollar has not been this weak very often. However, some people prefer converting their currency over time i.

Timing the market perfectly is hard, but you can at least rely on the fact that now is a historically good time. Yes current whole foods market stock price do charge a fee for converting your currency. Stock market martin luther king, the do not publish the fee.

The fee is baked into the exchange rate they offer you. I would focus on a few specialized shops like Knightsbridge, XEtrade.

US Dollars to Euro exchange rate. Best USD to EUR converter by Transfermate.

Then speak to your branch manager and see if they can call their foreign exchange desk and match your rate. If yes, it makes things a lot simpler. If no, choose no bs forex trading pdf cheapest and most convenient alternative.

Wish You guys Grow and prosperous. You may get charged the cash advance fee, but not the interest. Or you may get charged the fee and the interest but only for a day or twoquiero aprender a invertir en forex you may get charged nothing at all. If you use your card for purchases during that time period, in addition to cash advance, you may get dinged the cash advance fee.

Some issuers may put a hold on your card if you constantly overpay, leaving a credit. GreedyRates, you are providing extremely valuable information with this site, please keep up the great work! I have a question related to your discussion with Kevin. My goal is to minimize any fees related to acquiring foreign currency. From my research and understanding, I think the following would be one of the most economical ways, but have some questions for clarifications.

Overpay, in advance, the Amazon credit card balance by the amount of the withdrawal I want to make. Withdraw this amount from a foreign ATM. I pay essentially zero interest, correct? Either I am charged no interest because my card balance is overpaid or I might pay 1 day of interest which is basically nothing Is it certain that the zero foreign exchange fee that applies to regular foreign currency purchases will also apply to this foreign currency cash advance?

What percentage of the credit limit are cash advances typically allowed to be? Similarly, you mentioned the anti-money laundering issue if you frequently overpay your credit balance by a lot…do you know if a few hundred dollars is low enough for this not to be an issue? From what I can tell, there is no way to avoid the typical 2. Does all this logic seem sound? Or am I missing something? We called and verified with Chase Canada. There is no foreign transaction fee on cash advances.

The best option would still be to use your no-foreign transaction fee credit card wherever possible. Yes, that all makes sense and thank you very much for answering my questions. Definitely agree that making purchases with the credit card wherever possible is the best case scenario, but having cash is necessary for a lot of things.

So seems like this card is a winner for both methods! Just a follow up question to this thread, assume I have an Amazon. That is why trading binary options good or bad is so important to either pay down your cash advance balance immediately, or pay down the entirety of your balance at the end of every month. Funny enough, prior to recent regulations, banks used to allocate your payments to your low interest balances first, maintaining the entirety of your higher interest balance until the low interest balance was paid down.

At least things have improved somewhat. Thanks for the quick reply! Just to clarify, in the scenario I outlined above, assuming I had paid off my balance on time, and had recent charges that would be included on my next statement, my balance would be considered zero for the purposes of allocating a payment.

Or would my payment still be applied equally against my recent purchases for which I have not yet received a Statement as well as my Cash Advance?

We reserve the right, subject to applicable law, to change the order in which we apply payments without notice to you. My husband and I are living in the U.

Currency exchange rate fees the banks are hiding from you

We are retired and receive a Canadian Pension and Old Age Pension which we receive through Scotia Bank. The exchange rate now is very hard on us. Can anyone suggest a way we can get around this. Should it not by approx with a 70cent dollar? Actually a VERY smart question! The answer is actually based on pretty simple math.

You have to change denominators. So even though the exchange rates are different, the nominal amounts, when going back and forth using those rate, should be equivalent. Does that make sense? Very interesting article, greedyrates. I have a question, though: Is there any one I can speak to in Canada, like an Ombudsman or consumer group, to complain about an obscene exchange rate that I was charged?

Is there a legal cap to the rates and additional exchange fees that can be charged? Today I used a Mastercard Rewards cash card that I received from my employer as a bonus for my years of service.

Even if I add a typical 2. It seems to me that the rate I was charged is highway robbery. Do I have any recourse? You can always use the complaint process outline by the FCAC here.

They usually want you to try to resolve the issue with the issuer of the card first. Also please send the date on which the transaction was posted and made.

Thank you, greedyrates, false alarm. Maybe they take a bit extra at first until they can fine tune the charges. Do you have that information? Thanks for the kind words about GreedyRates! Please see our reply to Gavin French below. The quick answer is no, VISA does not have a 2. You can actually see what exchange rates VISA has charged on any given day, between any two currencies here https: But no need to switch your Amazon or Marriott cards yet.

Second, Rogers MasterCard is the only other card that we know of that does not charge foreign transaction fees. They are ending the free rate conversion and adding a 2. The exchange ride is over with them! Rogers is still offers the best value on foreign purchases of any credit card in Canada. So in effect you will earn 1. A conversion fee equal to 2. They make reference to April of and say the VISA rate INCLUDES a 2.

Is this fee embedded in all VISA rates and then added to by banks? If you could provide a link that would be great. In several notable Canadian class acion cases, it was revealed that the banks charge their 2. Only the banks are charging or not charging a foreign transaction fee. I just spoke to Scotiabank yesterday and the agent confirmed that a 2. Scotia, like the other big 5 banks, all charge 2. As far as we know, Chase and Rogers MasterCard are the only two Canadian issues not to charge a foreign transaction fee.

Note, the reference is with respect to ABM cash withdrawals, not credit card usage. But the issue is the same as they reference the VISA international exchange rate and the fact that that rate itself includes a 2. Is there any way to get US cash in Canada from a Chase Visa card?

Check them out here… http: Gold Rewards, 1st Yr Free 25, Point Bonus [Terms]. Marriott, 1st Yr Free 4 Free Nights Bonus [Terms]. All rights reserved Designed by Pacatum San Francisco Web Designers.

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Marriott Rewards and Starwood SPG Now Linked With Point Transfers. WestJet World Elite MasterCard Top Tier Status Promotion! Bob May 14, at 3: GreedyRates June 1, at 2: Hey Bob, thanks for presenting us with a very interesting question! Brian April 26, at 1: Just my thoughts and opinion but for now this card has my vote for anything in foreign currency. Joey April 16, at GreedyRates April 26, at 1: Joey May 14, at 5: March 24, at 9: Thanks for the great article! GreedyRates March 26, at 5: John Parker February 15, at GreedyRates February 20, at 5: Hi John, Good question.

Hope that helps, GreedyRates Staff. Jay February 20, at GreedyRates February 21, at Hi Jay, Your best bet is to get a few quotes and determine which is the lowest cost and most convenient provider for you. John Parker February 27, at 3: Sorry for the delay in replying. Sandra Drury December 26, at GreedyRates December 27, at 3: James Taylor December 18, at 3: Interesting and very informative website you have. GreedyRates December 19, at 4: Hi James, Big fan of yours you must get that all the time!

Jack December 3, at 9: GreedyRates December 4, at 1: Hi Jack, If you need U. Gary Chen November 30, at 5: I just checked out the terms for the Rogers Mastercard and found this: GreedyRates November 30, at 7: Hi Gary, The Rogers card offers more value on foreign purchases than either the Amazon or Marriott cards. Dao November 19, at GreedyRates November 19, at 3: GreedyRates October 24, at 9: Hi Kevin, If you already have US Dollars, or earn American dollars, a US Dollar currency card is a good alternative.

Hope that was clear and helpful, GreedyRates Staff. Donna Whitman July 10, at 6: GreedyRates July 11, at 1: Hi Donna, Thanks for the feedback. C W June 29, at 5: I have a few questions: GreedyRates June 29, at 2: Hi Clement, Thanks for the kind words! Hope that helps, Greedyrates Staff. C W June 29, at 3: C W June 30, at 6: Also, are there any extra taxes on top of redeeming points for a free night?

GreedyRates July 1, at 1: Hi CW, You get 30, points plus a 1 free night anniversary certificate, every year. Anna May 29, at 1: GreedyRates May 29, at 6: Hi Anna, The alternative is to get multiple quotes from foreign currency exchange shops like TransferWise, CanadianForex, XE Trade, NorthStar, International Currency Exchange, and Knightsbridge Foreign Exchange. Brian Davey May 21, at Roy Davies May 5, at Zador April 19, at 4: Shawn March 20, at 5: GreedyRates March 21, at 1: Let us know what happens, GreedyRates Staff.

Bill March 30, at 2: Warren Lee March 18, at Informative and helpful site! Kevin Canning March 16, at GreedyRates March 16, at Curtis March 12, at 9: GreedyRates March 14, at 2: Hi Curtis, Just remember, you cannot use your HSBC debit card at foreign merchants, either face-to-face out of country, or on the internet.

Thanks for the observation. Lori O March 10, at Thanks for all the great information you post — extremely helpful. GreedyRates March 10, at Best of luck, GreedyRates Staff. Pete March 10, at Hi Pete, You have a couple of options. We usggest you get multiple quotes, more or less at the same time, to see which one gets you the best rate, with the least fees: Check a few of the larger exchange houses xetrade.

What if we pay by PayPal, with a credit card, foronline US shopping? GreedyRates March 1, at Hi Max, Great question. Thanks for a great question. Jason February 24, at 3: GreedyRates February 24, at 3: Hi Jason, Yo bring up a point we think merits additional comment.

Vicky March 16, at 3: GreedyRates April 1, at Walter Ostorm February 14, at 2: GreedyRates February 15, at 3: Walter does that make sense to you? January 29, at 8: Ann January 23, at GreedyRates January 24, at 6: Orlando January 20, at 5: GreedyRates January 20, at 5: Hi Orlando, Great thought! Ruubi January 18, at 6: GreedyRates January 18, at 1: Hi Ruubi, Thanks for the kind words!

Ruubi January 18, at 5: GreedyRates January 18, at 5: Hi greedyrates, great article. GreedyRates January 14, at 5: Hope that answers your questions! GreedyRates January 15, at Thank you again for such a great site! GreedyRates March 25, at 5: Hi Adam, Great question and thinking. Thanks for the kinds words about GreedyRates! Brandin May 30, at 5: GreedyRates May 30, at 5: Hi Brandin, That is correct. Brandin May 30, at 6: GreedyRates May 30, at 6: Linda Boax January 12, at 8: Carol January 11, at GreedyRates January 11, at Hi Carol, Actually a VERY smart question!

Andy Schmiedel January 9, at 5: GreedyRates January 11, at 9: Hi Andy, You can always use the complaint process outline by the FCAC here. If we find something obviously wrong, we can recommend alternative recourse.

Look forward to it Andy. Andy Schmiedel January 31, at Marie Sab November 18, at 4: GreedyRates November 18, at 2: Hi Marie, Thanks for the kind words about GreedyRates! Crash July 29, at GreedyRates July 29, at 1: Hi Crash, Rogers is still offers the best value on foreign purchases of any credit card in Canada.

Lanya November 16, at 4: GreedyRates November 16, at 2: Hi Lanya, GreedyRates does not provide foreign exchange quotes. Kim January 10, at 9: GreedyRates January 11, at 8: Hi Kim, Scotia, like the other big 5 banks, all charge 2.

Gavin French March 30, at 1: Paul October 8, at 5: GreedyRates October 8, at 5: Hi Paul, Not sure. Claus Felix Huberty September 1, at 6: Leave a Reply Cancel reply Your email address will not be published. Comment Name Email Website. About us Contact us Terms and conditions Privacy policy.