In Canada, payments are made in Canadian dollars. The cost of the eTA Canada, however, can be paid in euros using the familiar payment methods. There are no transaction fees, regardless of the method chosen. This article contains useful tips on paying in Canada.
Paying with your debit or credit card
Before travelling, check whether your debit or credit card is usable in Canada. Although most credit cards are accepted almost everywhere, it can never hurt to check if your card works in Canada.
If you are using a debit card, make sure that paying outside Europe is activated. Banks routinely block the payment cards they issue for use outside Europe in order to prevent international fraud. Your bank can activate the use of bank cards outside Europe on request, but it is also increasingly possible to arrange this yourself on the website or in the app of the bank concerned.
Some products or services in Canada can only be paid for with a credit card, such as the deposit for renting a vehicle. If you are not used to credit cards, it can be wise to get one for your trip abroad. A disadvantage, however, is that higher transaction costs are charged when withdrawing money with a credit card than when using a debit card.
Paying the costs of the eTA Canada in pounds
The cost of the eTA Canada must be paid before departure. At e-Visa.co.uk, the consular and service fees are already included in the total amount of £19.95 per person. Additionally, the amount can be paid entirely in pounds, which means that there are no unfavourable exchange rates due to fluctuations. There are also no transaction, administration or other fees.
To pay for the eTA Canada you can use the familiar payment methods. These include Visa, MasterCard, American Express and PayPal, as well as a number of country-specific methods. If your first eTA application is rejected - which in practice rarely happens due to careful scrutiny - the cost of this application will be reimbursed.
Withdrawing money at cash machines
It is recommended withdrawing money from cash machines in Canada. In general, it is much cheaper to withdraw money from a cash machine than to change money at a foreign exchange office, because foreign exchange offices often charge high commission and administration fees in addition to charging less favourable exchange rates. If you need Canadian dollars before you leave, make sure you compare the exchange rates and choose the one that offers the best value. Exchange offices at airports are often expensive.
Find out what the current exchange rate is. Knowing the exchange rate will help you estimate the amount you should withdraw from a cash machine. It will also help you determine whether a product or service is worth the money. Haggling is less common in Canada.
Pay or withdraw money without conversion. If the cash machine offers the option of paying or withdrawing without conversion, choose that option. If you choose “with conversion”, the bank may set the exchange rate, which will cost you more money.
Try not to withdraw money too often. A transaction abroad often involves transaction costs, and the same holds for Canada. It is therefore wise to withdraw a larger amount once rather than a small amount several times.
Do not carry too much cash around with you. Although it can be useful to have some dollars on you (e.g. for tips), it is generally not advised having too much cash on you, as it is easier to lose and you are more susceptible to theft.