Canadian Dollar exchange rates
The Canadian dollar is a major traded currency tied to global commodities. For relocation, property and business between Canada and the world, we beat the bank spread.
Popular CAD pairs
Or see today’s live mid-market rates across every pair we cover.
Three steps to seamless global transfers.
From paying suppliers to managing payroll, we streamline your international payments so every transaction is fast, reliable, and cost-effective.
Open your account
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Meet your account manager
Once approved, connect with your personal account manager to explore the platform and tailor solutions to your needs.
Manage your money
When ready, confidently manage currencies, make transfers, and track your transactions seamlessly.
CAD exchange — frequently asked
What moves the Canadian Dollar exchange rate?+
The Canadian dollar moves with crude oil and, more than any other major, with the US economy — USD/CAD is often the cleanest expression of that relationship.
How do I get the best CAD exchange rate?+
Banks typically add 2–4% to the CAD rate they quote, buried inside the rate rather than shown as a fee. X Rate Capital prices off live interbank with a small margin disclosed before you confirm. Use the calculator for an indicative rate, then request a live quote.
How long does a CAD transfer take to arrive in Canada?+
CAD settles by EFT, with larger values routed over Lynx the same business day; FINTRAC reporting applies to international transfers.
Can I lock in a CAD rate for a future payment?+
Yes. A forward contract fixes today's Canadian Dollar rate for a payment up to 24 months ahead — useful for a property completion, a tuition schedule or a supplier contract where you commit now and pay later.
Are there fees to exchange CAD?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade.
Is X Rate Capital regulated?+
Payment services are delivered through FCA-authorised partners (Sciopay Ltd FRN 927951, Equals Connect Limited FRN 671508), with client funds safeguarded at tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.