Paying in Canada without the hidden markup
DCC is relatively rare in Canada; border-town retail and hotels serving US visitors are the main sources.
Loading reference rate…
Say this at the counter
In Canadian dollars, please · En dollars canadiens, s’il vous plaît
It means: “charge me in CAD, please, without conversion.”
More languages on the refusal card.
Big-five bank ATMs charge non-customers a convenience fee (~C$3–5) but rarely offer DCC. White-label ATMs in bars charge more.
Card and Interac are universal.
US travellers: shops near the border love “pay in USD?” offers. That’s DCC with a friendly face. Pay in CAD.
What would a DCC “yes” cost you here?
Open the calculator preset to CAD and see the overcharge on your exact amount, at today’s ECB reference rate.
Reviewed 7 August 2026 · Neighbours in the guide: New Zealand · United States · all 30 destinations