Do the Toronto area Girls accept American Currency

[F100]

If you are driving from the US into Canada, just stop at the Duty Free store on the US side. They will exchange your money at a fair rate and charge you 1 dollar no matter how much you are exchanging.

[toban]

I have never seen an extra charge for an international purchase ever on my Credit card.Sure the exchange rates are higher than official exchange rates, however ALL banks and CC companies charge a higher rate than the posted rates, ALWAYS. This is how they make money.

Nor have I ever seen such a charge listed but mention of an International Service Fee came from our American friends who have pointed out that it does exist over there.

While that 4% surcharge on my bills is not specifically identified on any of my CreditCard statements the existence of such a surcharge on US purchases only, whether identified or not, is likely a recovery of costs related to bank / exchange related fees, same as happens to US bank customers. Difference is that US banks identify it, CDN banks hide it!

If you want to avoid these purchase fees take your money out of your bank account with an ATM and pay cash.
The ATM rate is exactly the same as the post rate for that bank, and the same as going to a teller.
Often the ATM rate will be better than exchanging at your home bank.

In my experience the Credit Card beats both the Bank and the Currency exchanges.

.

[Rockheart]

Originally Posted by Crag RockheartI have never seen an extra charge for an international purchase ever on my Credit card.Sure the exchange rates are higher than official exchange rates, however ALL banks and CC companies charge a higher rate than the posted rates, ALWAYS. This is how they make money.

Nor have I ever seen such a charge listed but mention of an International Service Fee came from our American friends who have pointed out that it does exist over there.

While that 4% surcharge on my bills is not specifically identified on any of my CreditCard statements the existence of such a surcharge on US purchases only, whether identified or not, is likely a recovery of costs related to bank / exchange related fees, same as happens to US bank customers. Difference is that US banks identify it, CDN banks hide it!

If you want to avoid these purchase fees take your money out of your bank account with an ATM and pay cash.
The ATM rate is exactly the same as the post rate for that bank, and the same as going to a teller.
Often the ATM rate will be better than exchanging at your home bank.

In my experience the Credit Card beats both the Bank and the Currency exchanges.

If your credit card and ATM are from the same bank, the exchange rate will be exactly the same.
If your credit card charges "international fees" get a different one, this is not common that I have seen.
I don't think it is a country thing, it is a bank thing. I used to have a US Citibank mastercard which never charged me this fee.

There is other options out there, get a pre-paid mastercard or visa and load it up then take it out through the ATM when you arrive. The ones i have will work for anything including hotels.
paxum.com is one option, or other such services.

I know in almost every case the exchange rate at an ATM in the country you are visiting will be lower than your home bank.
Also it is good to know which ATMs in Canada are the cheapest. At the moment Bank of Montreal charges the most.
When using my pre-paid mastercard I get charge no fee at all at most banks ATMs but Bank of Montreal charges me $3.
At the moment I think Royal bank has the cheapest fees.

In all my experience I have finally just gotten several ATM cards. I put some money on at least 3 cards when I travel so in case one card has problems I can use another then transfer my money to that one.
Sure i can get a cheaper rate at a currency exchange but that means I have to take all my money out and carry it around or store it in my safe. I'd rather have the freedom to take money as I please and not risk losing or having my cash stolen.

Plus now days Americans can use their Visa Debit Cards in Canada because most banks here now support that.
So the money comes from your bank account not charged to a credit card.

[sadeh]

Sadeh honey

I except U.S. DOLLARS, CANADIAN DOLLARS, BRITISH POUND AND THE EURO DOLLAR.

I EXCEPT SMILES, HUGS, BIG DICK, HOT SUBMISSIVE MEN, JOCKS, STUDENTS, POLITICIANS, TOURISTS, UTILITY GUYS, CONSTRUCTION WORKERS, LAWYERS, PHYSICIANS, REBELS, JEHOVAH WITNESSES, FARMERS, ATHLETES MY FAVOURITE, DREADS, PORN STARS AND STRIPPERS, THREESOMES, BANKERS, DESIGNERS, ARCHITECTS LOL, RETIRED PROFESSIONALS, DEAF PERSONS, HOT GIRLS, MAGICIANS, MECHANICS, SPORT RACERS, MOUNTIES, UNCUT DICKS, CUT DICKS, PRISON INMATES, FISHER MEN, SCIENTISTS, TRUCKERS, SOLDIERS, MILLIONAIRES, BILLIONAIRES, MUSICIANS, LOVERS ...

Perhaps can suggest a few more ...

[ladyluv]

Seriously?