Use a bank-affiliated ATM (like TD Canada Trust or RBC) once you land.
Platforms like Wise use the real mid-market exchange rate (the one you see on Google) and charge a small, completely transparent fee. You can spend directly from their physical or digital debit cards in Canada. 🏢 Best for Large Physical Cash Orders: Your Local Bank best place to buy canadian dollars
While banks do bake a markup into the exchange rate, they are vastly cheaper than dedicated retail currency stands. Use a bank-affiliated ATM (like TD Canada Trust