travellers cheques in canada

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A Guide to Travellers Cheques

Once a foreign currency staple, this form of prepaid funds has existed for hundreds of years, designed as a way to allow payment from one person to another across currencies. As the financial services sector continues to shift to online solutions , we look at how, where and why travellers cheques are used, as we discuss the relevance of this form of currency.

What are travellers cheques?

The history of the travellers cheque spans as far back as 1772 when the first of its kind was issued by the London Credit Exchange Company, in the UK. Over the coming centuries the concept became popularised on a global scale, with major banks and financial institutions adopting this form of travel money in the 20th century. American Express became the largest issuer of travellers cheques and continues to offer these services to customers to this day.

A safe and convenient method of payment for anyone travelling to foreign territories, these pre-printed cheques hold a fixed amount which can be used worldwide across a range of currencies. Designed to facilitate payments from one person to another, using different currencies, travellers cheques were initially seen as a more practical way for individuals to carry their spending money.

Travellers cheques had their heyday in the late 20th century, reaching peak popularity in the mid-90s, before alternatives such as credit and debit cards became more widely available and easier to manage financial transactions. It was reported in 2018 that a mere 1.5% of Britons use travellers cheques, a rapid decrease over the course of two decades.

How do you use travellers cheques?

When you first receive your travellers cheques, you will be required to sign each one before use, as a way of verifying your signature. Each cheque will have a fixed value (usually $20, $50, $100, $500 etc.) as well as a unique serial number which can typically be found in the top right corner.

It is important to take note of these serial numbers as they will be referenced in any case of lost or stolen cheques. Unlike cash, if anything happens to your travellers cheques, the original vendor will be able to issue a refund for the exact same value. This added level of security is why this payment method was seen as revolutionary when first introduced.

As well as signing upon receipt, you will also need to sign each travellers cheque when used by a retailer or exchanged for cash. The act of signing your name as a form of security is somewhat outdated, given the modern technologies in place nowadays.

When accepted by retailers, a travellers cheque will be treated like local currency, which means you should receive any change in the standard, local currency.

Where can I get travellers cheques?

Due to dwindling demand, travellers cheques are not as readily available as they once were. However, they can still be acquired from some banks and financial institutions, post offices and currency exchange offices, like Travelex.

One thing to note is you may be required to settle the handling, commission or cash-in fees that often accompany travellers cheques, and these can be expensive, amounting to 2 - 3% in some cases. This cost is another reason they are no longer as frequently used.

Where can I use travellers cheques?

Generally, travellers cheques are still accepted all over the world, albeit harder to find vendors selling them and retailers accepting them as legal tender. Consider your destination before deciding on this form of travel money: if you are travelling to major cities there is more chance of you finding somewhere to cash your cheques or use them for in-store purchases. However, more remote destinations may not be equipped or able to accept this type of funds.

How safe are travellers cheques?

The original blueprint for travellers cheques was a paper payment method which could be used as foreign currency but was more secure than handling cash. At the height of its popularity, travellers cheques were generally considered much safer than cash due to the added security of their unique serial numbers, meaning customers could cancel and replace cheques if need be. These numerical codes were a money-back guarantee for anyone whose cheques were misplaced, destroyed or stolen. Another added benefit, if your travellers cheques are intercepted, you will not be vulnerable to bank fraud, as they are in no way connected to your bank account, unlike credit or debit cards.

Financial security measures have evolved greatly since the inception of travellers cheques, however, with the introduction of PIN codes, two-factor authentication, fingerprint touch ID and facial recognition, to name a few forms of fintech security commonly available now. With this in mind, the concept of a travellers cheque no longer measures up in terms of fraud protection and data encryption.

Travellers cheque vs. Cashiers cheque: What is the difference?

In terms of appearance, a travellers cheque looks nearly identical to a standard issue cashier's cheque: but are they similar in any other ways?

A cashiers cheque is issued by a bank or financial institution and is designed to be processed quickly, by the individual whose name is printed on the cheque. Conversely, a travellers cheque is for use overseas, is loaded with prepaid foreign currency - usually USD or GBP - and does not have a name or account number printed on it, although it does require a signature. Because travellers cheques do not have any bank details printed on them, they are deemed safer than cashiers cheques in terms of potential for fraudulent use. In addition to this, they are paid for when printed, meaning it is not possible for a travellers cheque to bounce.

What are the alternatives?

Credit or debit cards.

If you are worried about travellers cheques not being widely accepted where you are going, then this form of travel money will offer more flexibility. Using your regular bank cards overseas provides a record of spending and offers maximum convenience, but there are also some frequently flagged concerns. Primarily these concerns focus on the sky-high fees and below-average exchange rates related to using your debit or credit card abroad. This isn’t always the case, however, as many banks and financial institutions offer travel credit cards, tailored to suit the needs of frequent flyers.

Travel money cards

Prepaid travel money cards are the modern equivalent to travellers cheques and have become very popular. This is largely due to the fact that they are totally separate from your regular bank account, allowing users to spend their balance freely without the worry of potential fraud or overspending. Preloaded with funds, travel money cards often help limit additional currency exchange charges. In addition to this, in spite of fluctuating currency rates, these cards let customers lock-in a favourable exchange rate ahead of time.

International bank accounts

If you are headed overseas for a sustained period of time, it could be more convenient and cost-effective to open a bank account in your destination country. You would be subject to the relevant security and eligibility checks but this decision pays off if you are making regular international money transfers or being paid in a different currency by foreign clients . Find out more about this option by reading our guide: How to Open a Bank Account Overseas.

Due to the growing alternative digital payment methods available nowadays, it seems this age-old travel money no longer measures up in terms of accessibility, cost and convenience. When travellers cheques were originally launched, ATM withdrawals were not commonplace for travellers, and digital point of sale systems had not been invented. Nowadays, it is easy to access local currency using an assortment of different payment methods such as debit or credit cards, travel money cards or money transfer apps .

The best option for anyone who is reluctant to use their debit or credit card overseas, would be to use a prepaid travel money card. Prepaid travel money cards are a safer and more widely used alternative to travellers cheques, and customers do not need to seek out a bank to use them, are not required to sign for each transaction and security measures in place are far more advanced. This method enables customers to secure multiple foreign currencies, locking in the optimum exchange rate for your currency pairing ahead of your trip abroad. Use our comparison tool to ensure you receive the most competitive exchange rates for your international money needs.

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What Are Traveller’s Cheques and How Do They Work?

You’ve probably heard of traveller’s cheques but may not have used them. A traveller’s cheque is among the many cashless methods of paying for services or goods. However, traveller’s cheques have been losing their popularity since the onset of credit and debit cards.

The good news is that traveller’s cheques are still functional and can save you from the stress and risk of carrying a huge chunk of money while travelling.

Here, we will answer the following questions:

• What are traveller’s cheques?
• How do they work?
• What are the benefits of traveller’s cheques?
• Can traveller’s cheques be a hassle?
• What are alternatives to traveller’s cheques?

Let’s get started.

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What are Traveller’s Cheques?

A traveller’s cheque is a printed cheque that allows payment from one person to another and across currencies. So, travellers get the cheque before they travel to exchange it with the local currency after getting to their destination.

You can easily get traveller’s cheques in Canada from financial institutions like American Express or Visa. Also, some local banks offer traveller’s cheques, but most of them scrapped it a long time ago.

How Do Traveller’s Cheques Work?

Traveller’s cheques do not bounce since you pay upfront for a specific amount that you wish to spend. The cheque will have a fixed value and a unique serial number.

Once you receive your traveller’s cheque, you should be conversant with how to use it. So, you should follow the issuer’s instructions and sign the traveller’s cheque upon receipt. 

When making purchases, countersign the cheque in the presence of the receiver; the recipient should compare the signatures and confirm that they match. Any change is returned in the local currency since the traveller’s cheque is accepted at the same exchange rate as a cash payment.

However, you must enquire from the recipient if they accept traveller’s cheques as a means of payment before making any purchases. While the traveller’s cheques still work, some institutions and persons refer to them as outdated and do not accept them. You can still make the purchases in such cases, but you need to deposit the traveller’s cheque and receive cash in the local currency. Also, do your research ahead of your trip. Ensure that you can easily access services via your traveller’s cheque before purchasing them.

Most importantly, keep the details of your traveller’s cheque safe. If you lose your traveller’s cheque, you need to provide proof of purchase and the unique serial number to get a refund. Also, contact your cheque issuer immediately after losing your traveller’s cheque.

The traveller’s cheques do not expire. Therefore, you can keep them safe and use them in the future. Alternatively, you can deposit them in your bank account once you get home.

Benefits of Traveller’s Cheques

Here are the various advantages of traveller’s cheques.

• Safety: Traveller’s cheques are safe and can allow you to carry a large amount of money while travelling. 
• Refunds are possible: With traveller’s cheques, you can get a refund after you lose and report the issue to your issuer. Also, you can deposit your traveller cheque at your bank once you get home.
• Does not expire: Your traveller’s cheque does not expire and can be kept and used again in the future.
• Branded Cheques: The American Express and Visa offer branded traveller’s cheques that come in various denominations and are readily acceptable globally.
• Good exchange rates: In some cases, traveller’s cheques can access a better conversion rate.

Can Traveller’s Cheques Be A Hassle?

Traveller’s cheques have several advantages, but today, you can experience many struggles while using them.

For starters, the cheques have become outdated. Therefore, most hotels, banks, and individuals will decline them.

As a result, you will likely be forced to hunt down banks and hotels that will accept the traveller’s cheques prior to travelling. If you travel without doing your research, you can be frustrated finding that the cheques are not accepted at your destination.

Also, most banks no longer offer traveller’s cheques. The few banks that offer the cheques might charge you traveller’s cheque fees for the service.

Other Payment Methods That You Might Consider

Purchasing a traveller’s cheque may save you from the stress of carrying a large amount of money that can get lost or stolen. However, it has several limitations.

So, while travelling, you may need to consider the following alternatives:

Debit Cards

The popularity of debit cards is increasing every day. The size of the card and its acceptability rate make it among the most convenient methods of payment. So, many foreign banks, hotels, and ATMs accept foreign debit cards.

Credit Cards

Like a debit card, a credit card is small and secure to travel to various places. Besides, credit cards like MasterCard, Visa, and American Express are accepted as a method of payment in most countries globally.

Although carrying a huge amount of money while travelling is risky, it’s ideal to have a certain amount of money in cash for emergency purposes. For that reason, ensure you bring with you a given amount in the form of cash.

Prepaid Card

Prepaid cards work like debit cards and credit cards since you load them with your bank account money. Therefore, you can use your prepaid card as a debit card on the ATMs and credit card when making purchases and in hotels.

Traveller’s cheques are a safer, cashless method to use when travelling. 

However, with the growing popularity of debit cards and credit cards, traveller’s cheques are quickly losing their place in the payment method.

Also, they are unacceptable in most places, making them more unreliable when travelling to destinations that limit their use.  So, alongside your traveller’s cheque, carry your debit card, credit card, and some little cash to enjoy your travels .

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Bringing Money to Canada and Sending Money Overseas as a Newcomer

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Published February 16, 2024 • 9 Min Read

As a newcomer to Canada, you may wish to bring your savings from back home to Canada, before or after you arrive. Ideally, you’ll want to have access to your money as soon as possible after you land in Canada. In fact, it’s a good idea to carry some cash for expenses during your first few days, such as cab fare from the airport, groceries, and more, until you’re able to activate or open your Canadian bank account.

As you get settled and begin earning income in Canada, you may want to send money back home periodically to help support family members or loved ones with their expenses as well. In this article, we share the process of bringing money into Canada as a newcomer, as well as tips on sending money abroad after your arrival.

Bringing money to Canada as a newcomer

Most newcomers transfer some money into their Canadian bank account before or after their move. This means that you should research your banking options and understand the money transfer process before leaving your home country . Here’s how you can securely transfer funds to Canada from your home country:

Step 1: Figure out how much money you need to show at the border

Approved permanent residents are required to prove that they will have access to a predetermined amount of settlement funds when they first move to Canada. Immigration, Refugees and Citizenship Canada (IRCC) revises the minimum settlement funds requirement each year, based on Canada’s Low-Income Cut Off (LICO). The minimum funds you need to have will also depend on the number of family members listed on your immigration application.

Certain Permanent Resident categories are exempt from the settlement funds requirements, including applicants approved under the Canadian Experience Class (CEC) program or applicants with a valid Canadian job offer. Some temporary residents may also have to show proof of financial support in the form of sufficient funds to cover their living expenses in Canada initially.

However, it’s important to note that the minimum settlement amount may not always be sufficient to cover your living expenses during your initial months in Canada, especially if you’re moving to a large city like Toronto or Vancouver where the cost of living is quite high. Be sure to budget for your living expenses in your future city and bring at least enough funds for six months’ expenses.

Is there a limit on the amount of money newcomers can bring to Canada?

There is no upper limit on how much money you can bring to Canada with you. However, if you’re bringing $10,000 or more in the form of cash, traveller’s cheques, forex cards, etc., you must declare it at your port of entry into Canada, and you may be asked to prove that the funds were obtained legally.

Step 2: Check if your home country has any restrictions or limits on carrying or transferring foreign exchange

If you plan to transfer funds to your Canadian bank account directly, check if your home country imposes any restrictions or limits on foreign remittances. Some countries may impose or withhold tax on international money transfers, while others may only permit transfers of up to a certain amount per day or year. Similarly, some countries limit the amount of foreign currency you can possess or carry in the form of cash, traveller’s cheques or travel cards.

Although Canada does not place any limits on how much money can be transferred to or from the country, international transactions of $10,000 or more are tracked by the Canadian government to prevent money laundering, terror financing, and other financial crimes.

Step 3: Start the process of opening a bank account before you arrive

Some Canadian banks allow newcomers to open their first bank account before their move to Canada. Banking advisors can also help you understand how banking works in Canada and the financial products you may need initially, based on your unique situation.

Once your bank account is set up, you can transfer funds to this account. However, you may only be able to access the account and the money in it after you arrive in Canada. You can use the money transfer acknowledgement you receive from the bank as proof of funds when you enter Canada.

Connect with an RBC Newcomer Advisor or browse through RBC’s newcomer-specific banking offers to identify the right bank account for your newcomer needs.

Step 4: Gather documents for your proof of settlement funds

The settlement funds you’re required to show while entering Canada don’t necessarily have to be on your person in the form of cash, they can also be funds in a Canadian bank account or a bank account in your home country.

At your port of entry to Canada, border officials may ask to see proof of your settlement funds, and you’ll need to provide paperwork to show you have ready access to at least the minimum amount the IRCC requires you to have to support yourself and your family in Canada.

You can show proof of funds in the form of one or more of the following:

Letters from your banks (in your home country or Canada)

Traveller’s cheques

Bank drafts

Travel cards or forex cards

International money orders

Stocks, bonds, or debentures that can be easily liquidated

The IRCC recommends that the letters you get from your bank include the bank’s official letterhead, their contact information, your full name, a list of your bank and investment accounts along with each account opening date, current balance, six-month average balance, and a list of outstanding debts you have with the financial institution.

Assets that cannot be easily liquidated, such as real estate and other fixed assets, cannot be used to show proof of settlement funds. Moreover, you cannot borrow money from family or friends to show proof of funds.

Sending money abroad as a newcomer to Canada

As a newcomer, there may be several instances where you need to transfer money back home to your family and friends. In some cultures, the younger members of a family are expected to financially take care of their parents. Other newcomers may want to send occasional monetary gifts to their loved ones back home or help out with larger, one-time expenses. Whatever your situation may be, you’ll likely need to send money abroad from Canada at some point.

International money transfer or remittance

The simplest, most secure way to send money internationally is through an international money transfer through your bank. Also known as bank remittance, this process allows you to send money directly from your Canadian bank account to a foreign bank account. The recipient will receive funds in their local currency. Here are a few things to keep in mind while sending an international money transfer from Canada:

Step 1: Choose a financial institution

Many financial institutions, including banks, credit unions, and money transfer operators, allow you to send remittances abroad. You can choose the right one for you based on the cost and convenience of the process.

Step 2: Understand the total remittance fees

Depending on the financial situation you pick, you may need to pay a transaction fee for each international money transfer. In addition to the transaction fee, the total cost may also include currency conversion fees, differential forex costs, service charges, and taxes.

If you don’t have sufficient funds for the transfer in your bank account, you may be able to use your credit card for international money transfers. However, these payments will be considered a “cash advance” and will be subject to high interest rates with no interest-free grace period. Be sure to estimate the total cost of the remittance before making an international money transfer.

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Step 3: Gather the recipient’s information

You will need the recipient’s banking information to make the transfer. This includes their full name, phone number or email address, bank’s name, branch details, bank account number, and SWIFT or transit code or international bank account number (IBAN).

Once you have all the required information, you can initiate an international money transfer in-branch, through email, phone banking, online banking or through your bank’s mobile application.

Step 4: Get a transaction receipt

It can take anywhere between a few minutes to a few days for international money transfers to reach the intended recipients. The time it takes may vary based on the recipient’s country and bank, as well as the amount you’re sending.

It’s always a good idea to save a copy of the transaction receipt, regardless of whether you’ve made the transaction in branch or online, just in case there’s an issue or delay in the transfer and you need to track its status.

Other ways to transfer money internationally from Canada

Besides banks and credit unions, you may also be able to send money abroad through money transfer operators, such as Western Union and MoneyGram. Some of these services allow you to send money to recipients who do not have a domestic bank account. In such a situation, the recipient may be able to pick up cash at a local money transfer operator office.

Some newcomers also use peer-to-peer (P2P) transfer services such as Wise or Remitly to transfer small amounts of money. These P2P services may operate in limited geographies and may impose daily, monthly, or annual restrictions on the amounts you can transfer. You may need to provide context on who you’re sending money to and for what reason.

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Things our lawyers want you to know Things our lawyers want you to know

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Bon voyage, but... Essential information for Canadians travelling outside Canada

On this page, before you go, while you are away, returning to canada.

• Traveller's checklist

Government of Canada contacts

This booklet has information on preparing for travel outside Canada and staying safe while you’re away, including:

• services that the Government of Canada provides to Canadians travelling outside Canada
• information on how to prepare for your return to Canada
• contacts for more information
• a checklist that you should review before leaving

You can bring the booklet with you while you’re away or download a copy at travel.gc.ca/travelling/publications.

Be informed

Before you leave, and no matter where you’re travelling to, visit our travel and tourism website at travel.gc.ca . Look at the Travel Advice and Advisories travel.gc.ca/destinations .

The website offers travel advice and information on: 

• how to prepare for travel
• what to do if something goes wrong while you are outside Canada
• how to prepare for your return to Canada

The Travel Advice and Advisories page has country-specific travel information about: 

• safety and security
• entry and exit requirements
• laws and culture
• natural disasters and climate

Check the Travel Advice and Advisories page for your destinations when you’re planning your trip and again just before you leave. It’s a good idea to also check it while you’re away if the situation changes at your destination.

Remember, you are responsible for your travel choices. Make sure you have enough money to cover the cost of your trip, including departure taxes. You should be ready to pay for unexpected expenses.

Stay connected

Before you leave, make sure you stay connected to Canada wherever you are:

• Go to travel.gc.ca/offices to find the contact information for Government of Canada offices at the locations you plan to visit.
• You’ll receive the latest information and advice about the countries you’re visiting.
• You will get urgent updates about incidents that could affect your safety and security.
• Follow @TravelGoC on Twitter and Facebook.
• Include your contact information for the places where you’ll be staying.

Travel documents

Canadian passport.

For Canadians, a valid Canadian passport is the most reliable and accepted travel document. It proves that you’re a Canadian citizen and have the right to enter Canada.

Before you plan your trip, check that you have a valid passport:

• Is your personal information correct?
• Did you sign page 3? Children under the age of 16 don’t need to sign their passport.
• A passport will be invalid if it is signed by anyone else.
• Did you enter your contact information on page 4?
• It may not be enough that your passport is valid during your travel.

Check the entry and exit requirements in the Travel Advice and Advisories for your destinations. Your passport may need to be valid for a period of time after you plan to leave the country you are visiting, even if that period of time is longer than your planned trip.

If you plan to travel outside Canada with your family, each family member needs a valid passport.

If you are a Canadian citizen with dual nationality travelling by air, you must present a valid Canadian passport to board your flight to Canada.

Leave your birth or citizenship certificate with a trusted friend or family member. It may help in case you need to replace your passport while travelling.

When you’re not travelling, keep your passport in a secure location where it isn’t easily accessible to others.

Visas and other requirements for travelling to other countries

Well before you plan to leave on your trip, visit the Travel Advice and Advisories page at travel.gc.ca/destinations . Select your destination(s) and read the “Entry and exit requirements” subsection. 

Check if you need a visa or other travel authorization to go to or stay at your destination. If you do, contact the government representatives in Canada of the countries where you’ll be going.

The most common visas are in the business, work, student and tourist categories. Examples of information you may need to apply for a visa include:

• certified criminal record check (provided by the RCMP)
• medical certificate
• vaccination certificate
• proof of testing for transmissible diseases

Canadians need to apply for an electronic authorization document before travelling to some destinations, including the United States, Australia and Europe.

Some countries need proof that you have enough money to support yourself during your stay, such as a bank statement. You may also need proof that you’ll be leaving your destination after your stay, such as a ticket or any visas for your travel to another country.

Consent letter for children travelling abroad 

If a child is travelling outside Canada without both parents or all legal guardians, we recommend that the child travel with a consent letter. The consent letter demonstrates that parents or guardians who are not with the child have agreed to let the child travel outside Canada.

Border officials may ask for it when the child enters or leaves a foreign country or when the child arrives in Canada. For more information, contact your destination country’s government representatives in Canada.

The contact information of foreign government representatives and templates for a consent letter are available at travel.gc.ca/travelling/children.

Travel insurance

You should have travel health insurance before you leave Canada. The Government of Canada won’t pay your medical fees while you’re outside Canada. Your provincial or territorial health plan may only pay a small part of the costs—if any at all.

No matter where you’re travelling, your travel health insurance policy should always cover:

• medical fees and services
• medical evacuations
• pre-existing medical conditions
• repatriating remains in case of death

It’s up to you to understand the terms of your insurance policy.

When assessing a travel insurance plan, you may wish to consider the following questions:

• duration of coverage: Are you covered for your entire trip? Can you extend your coverage if you decide to spend more time outside Canada?
• protection: Does your policy cover trip cancellation, document replacement, baggage loss and other damages?
• Does the policy cover specific activities or events (for example, sports, war, suicide or substance abuse)?
• Does the policy not cover certain locations or countries?
• What coverage would you have if there were a medical emergency due to a pre-existing condition?
• Can you call at any time from anywhere you travel?
• What is the process?
• What maximums, deductibles and co-insurance would apply to a claim?
• Can one policy cover everyone?
• Does it cover you if you are travelling alone on business?

If you’re driving, make sure you have driver and vehicle coverage in case you have an accident.

Carry your insurance information with you while you’re travelling. Leave a copy of the information with a friend or relative at home or email it to them.

Protecting your health

Before you leave, visit the Travel Advice and Advisories page at travel.gc.ca/destinations . Select your destinations and read the “Health” subsection.

Visit a travel medicine clinic or your health-care provider at least 6 weeks before your planned departure date. Your health-care provider will decide if you need vaccinations or preventive medication. They will let you know which steps you should take to reduce risks to your health while you travel.

If you travel with medication:

• Keep all medication in its original, labelled container to avoid problems at customs.
• Pack extra medication in case you’re away longer than expected.
• You may need this if you need more medication.
• Also check if your airline allows needles and syringes in carry-on luggage.

It’s illegal to enter or leave Canada with cannabis or products that contain cannabis, even if you use cannabis for medical purposes.

Check the customs regulations for medications of your destination country. Some countries control or ban certain prescription and over-the-counter medications that are available in Canada.

Your medication may be confiscated, and you may face heavy fines or even jail time.

Safety and security

Before you leave, visit the Travel Advice and Advisories  page at travel.gc.ca/destinations . Select your destinations and read the “Safety and security” subsection. Note information on common local scams and crime trends as well as the phone number of the local police.

While you’re travelling:

• Never carry your passport, travel tickets, identification documents, cash, credit cards and insurance papers together. If they’re lost or stolen, you risk having no identification or money.
• Hide your valuables by using a money belt or a travel bag with hidden sections.
• Don’t carry large amounts of money or wear expensive clothes or jewellery in public.

Travelling and money

Canadian money and traveller’s cheques are rarely used abroad. Your debit or credit cards may not be accepted in your destination country. It’s a good idea to have a small amount of local money with you when you arrive, unless importing local currency is a crime.

You can get information about your destination’s currency from a bank, foreign currency agent, travel agent, or foreign embassy or consulate in Canada.

Before you leave Canada:

• Ask your financial institution if you can use your debit or credit card at your destination. They may also have branches or partners there.
• Find out which is the best currency to carry to your destination.
• Check your destination’s currency regulations. There may be limits on the amount of money you can take into or out of the country.
• Arrange a way to get more money if you need it.
• Be careful if you’re travelling to meet someone new. Cases of personal and relationship scams are more and more common.

In certain countries, criminals target foreigners. If you’re the victim of a crime while you’re travelling, call the local police first. You can contact the nearest Government of Canada office for guidance.

Follow the same safety rules abroad as you would at home:

• Don’t wander into unknown areas. Find out how safe they are before you go.
• Never leave your drinks unattended, and never accept food or drinks from strangers. Someone could add drugs that put you at risk of sexual assault or robbery.
• Don’t pick up hitchhikers or cross borders with people you’ve just met.
• Never take anything across a border for someone else, even if it’s just an envelope.
• Watch your luggage and handbags. Keep them closed and locked if possible.

Stay in touch with your family and friends at home, particularly if you told them that you would. Contact them if the safety and security conditions are getting worse in the region or country where you’re travelling.

Protect your passport

You are responsible for keeping your passport safe at all times.

This is also the case if any other travel documents are issued to you or your child:

• Never share the information in your travel documents with anyone unless it’s necessary.
• Don’t leave your travel documents unattended or in an unsafe place.
• Prevent water damage to your passport by storing it in a plastic folder or a waterproof pouch.
• Don’t write in, deface or alter pages in, or add stickers to, your passport.

If your passport is lost or stolen while you’re outside Canada, contact the nearest Government of Canada office. You’ll need proof of Canadian citizenship to apply for a new passport. You can’t use your passport once you report it lost. If you find your passport after you reported it missing, return it at once to a passport office or to the nearest Government of Canada office. You can find the contact information of offices of Canada abroad at travel.gc.ca/offices . 

If you damage your passport, apply for a new one. A damaged passport can lead to long delays at passport checkpoints. You may also be unable to cross the border or board a plane.

Local laws and culture

Visit the Travel Advice and Advisories page at travel.gc.ca/destinations . Select your destination and read the “Laws and culture” subsection. 

Your Canadian citizenship doesn’t exempt you from following local laws and local cultural, religious and social traditions. If you commit a crime, not being aware of the law isn’t an excuse. If you need a lawyer, obtain a list of local lawyers by contacting the nearest Government of Canada office. You would be responsible for paying your legal costs.

You must abide by local laws and regulations in other countries, even if you don’t agree with some of their customs and traditions, or cultural and other practices.

In many countries, suitable clothing may be gender-specific and there may be laws on what you can wear. Penalties for disobeying local laws can be severe.

Religious sites

You may not be able to visit religious sites if you aren’t a member of a faith associated with a particular site. Ask permission before taking photographs of religious artifacts, buildings or worshippers.

Cultural sites

Canadians may be prosecuted in Canadian courts if they commit certain acts against significant cultural sites and objects outside Canada.

Certain countries don’t protect:

• religious freedom
• freedom of association, speech or the press
• differences in sexual orientation, gender identity, gender expression and sex characteristics

The legal systems in other countries can be very different from Canada’s. You may be charged just for being with a person who is suspected—or found guilty of—a crime. Even if you’re a bystander at a political demonstration, you may be considered a participant and you could be arrested with those involved.

Recreational drugs

Buying, using, importing or exporting recreational drugs is prohibited almost everywhere. If you buy and use drugs, even in countries where they may be easily available, you can be charged, fined or given a long prison sentence.

Photos and videos

Don’t take photographs or videos of military or government facilities, or industries such as oil. Your device could be confiscated, and you could even be accused of spying.

Sexual exploitation of children

Most countries strongly enforce laws against the sexual exploitation of children. Canadian citizens and permanent residents of Canada can be charged and prosecuted in Canada for child sex offences in a foreign country if they haven’t been already convicted of these offences in the foreign country.

Arrest and detention

If you’re suspected or accused of a crime in certain countries, you may be detained for an unknown length of time without bail. You may not have a right to a lawyer or to a trial in your own language.

If you’re detained or arrested outside Canada and  want to notify Government of Canada officials, clearly ask the arresting authorities to contact the nearest Government of Canada office. They can call +1-613-996-8885 or email [email protected]. The contact information of Government of Canada offices abroad is available at travel.gc.ca/offices .

If you’re a Canadian with dual citizenship and you’re in a country where you hold citizenship, local authorities could refuse to give you access to Canada’s consular services. This could prevent Canadian consular services officials from helping you.

Canada’s consular services

Consular services are the services that a government provides to its citizens in another country. Canada’s consular services include advice and information about travelling outside Canada and offering services at Government of Canada offices abroad. 

If you need consular services, contact the nearest Government of Canada office abroad. You can find contact information at travel.gc.ca/offices .

After office hours, you can also contact the 24/7 Emergency Watch and Response Centre in Ottawa:

• Phone : +1-613-996-8885

Email: [email protected]

• SMS: +1-613-686-3658 (carrier charges may apply)
• WhatsApp: +1-613-909-8881 (carrier charges may apply)

Telegram: Canada Emergency Abroad

Make sure your message is clear and that you leave a telephone number or contact address.

The representatives who offer these services are consular services officials. Canada’s consular services officials work hard to help Canadians who ask for help outside Canada. However, safety and security conditions, and laws and regulations, in the region or country where you are may limit the help you can. The level of cooperation from individuals and organizations outside Canada can also limit the consular services officials can provide. 

Make sure you understand what consular services the Government of Canada can and can’t provide before you travel.

Safety, security and medical emergencies

Consular services officials can:

• give you a list of local doctors and hospitals
• contact family or friends, with your consent, if you’ve had an accident or are held by police
• give advice and guidance if a person is missing or if a child is abducted outside Canada

Consular services officials cannot, among other things:

• guarantee your personal safety or security outside Canada
• take responsibility for a child outside Canada who has been abducted by a parent involved in a  custody dispute
• give medical services (including vaccination) or cover your medical expenses outside Canada

Passports, citizenship, immigration and visas

• help you replace a lost, stolen, damaged or expired Canadian passport
• take your application for a new Canadian passport or Canadian citizenship certificate
• help solve immigration- related problems such as overstaying a visa, or help with visa applications
• answer questions or help with immigration to  Canada or Canadian visa-related issues
• answer questions about permanent residence  (contact Immigration, Refugees and Citizenship Canada for information)

Legal issues and enforcement of local laws

• give you a list of local lawyers
• give you public sources of information on local laws and regulations
• offer a range of services to Canadians detained abroad (all services may not be always available at all locations)
• give you contact information for local police and medical services if you’ve been robbed or sexually assaulted or are the victim of other violent acts
• post bail, pay legal fees or medical expenses
• give legal advice, or get involved in private legal matters or financial disputes
• get you out of a foreign prison
• investigate a crime or death abroad: this is the responsibility of local authorities
• interfere in an investigation
• ask local authorities to give you special treatment or to exempt you from the due process of local law
• take fingerprints or get a criminal record check

Death abroad

• ask Canadian police to notify next of kin in case of a death abroad  
• in countries that have funeral homes, help find one that can repatriate a loved one’s remains to Canada
• pay for the burial, cremation or repatriation of the remains of a deceased Canadian citizen
• translate official documents

General services

• give you a list of  translators and interpreters offer notarial services (all services may not be available at all locations)
• help you with private money transfers
• help you to vote in Canadian elections
• refund your hotel costs if a trip is delayed or cancelled
• help you find employment
• accept your mail or store your personal effects
• search for lost items while you are outside Canada
• perform marriage services

Before you return to Canada, check the border measures and entry requirements at travel.gc.ca/returning .

Check the Travel Advice and Advisories for your destination at travel.gc.ca/destinations . In certain countries, you must pay a departure tax or service fee at the airport or your point of departure. Make sure you have enough money to pay it. In some countries, you may need to pay in local funds. 

If you’re arriving at one of Canada’s busiest international airports, you can simplify your arrival by using the “Advance CBSA Declaration” within the ArriveCAN app to prepare your customs and immigration declaration.

If you registered with the Registration of Canadians Abroad service, update your profile and make sure that the departure date from your destination country is correct.

Medical problems

If you’re feeling ill and think that you’ve been exposed to a contagious illness or disease while you were travelling, tell a screening officer or quarantine officer when you arrive in Canada. If you are a passenger on a ship, airplane, train or bus, you should tell the staff that you are ill.

If you become sick or feel unwell after returning to Canada, tell your doctor where you’ve been outside Canada. Explain what you did during your trip and provide information on any medical treatment or care you received (for example, blood transfusions, injections, dental care or surgery).

Declare all goods

When you return to Canada, you must declare all goods you purchased or acquired while outside Canada.

These include:

• goods purchased at a Canadian or foreign duty-free shop
• gifts, prizes and awards that you’re carrying with you or are having shipped to you
• foods, plants, animals and related products that you are bringing into Canada
• repairs or alterations you made to your car, boat or airplane while you were out of the country

Keep original receipts of the purchases and repairs you made during your trip. If you’re unsure whether you should declare an item, do so. A border services officer will let you know what the next steps are.

Plant and animal products

You are legally required to declare all food, plant and animal products you bring with you into Canada. These products include live animals and their by-products:

• animal products such as cooked or raw meats; milk, butter and cheese; fish and seafood; eggs; fat; hides and skins; trophies; and insects
• plant products such as fruits and vegetables; seeds, nuts and herbs; houseplants, flowers and trees; roots, vines, bulbs and soil; wood and wood products (for example, furniture, carvings and bark)

Some of these items are prohibited or regulated because they can carry pests and diseases. 

If you don’t declare these products, or if you don’t have the required permits or certificates:

• Your products may be taken from you and possibly destroyed.
• You may need to pay for the costs of disposal, quarantine, treatment or removal of these items from Canada.
• You may have to pay a financial penalty.
• You may be prosecuted.

Duty– and tax-free personal exemptions

If you’ve been outside Canada for at least 24 hours, you may qualify for a personal exemption. A personal exemption allows you to bring goods of a certain value into Canada without paying duty and taxes. Exemptions to alcohol or tobacco products apply after you’ve been outside Canada for at least 48 hours.

Visit Customs at travel.gc.ca/customs for details about personal exemptions.

Traveller’s checklist

Travelling outside canada.

• Visit travel.gc.ca for information and advice.
• Check the Travel Advice and Advisories for your destination(s). Get information about passports, entry and exit requirements, health and safety, and more. travel.gc.ca/advice.

Travel documents 

• Canadian passport: Make sure it will be valid well past the date you expect to return to Canada.
• Visas or electronic authorizations: Check if you need one to enter your destination and apply well in advance. Check with your destination country about entry requirements.
• Children: If a child is travelling outside Canada without both parents or all legal guardians, an accompanying adult should carry documentation proving they have the right to travel with the child. Family or friends of the child should also have a copy of this documentation.
• Dual citizenship: You’ll need your Canadian passport to come back to Canada. Check with your destination country about entry requirements.  
• Vaccination: Check the proof of testing and of vaccination requirements for your destination and your return to Canada.

Health and safety 

• Travel health clinic: Visit a clinic or your health-care provider 6 weeks before your trip.
• Travel insurance: Buy insurance even if it’s for a short trip across the U.S. border.
• Budget: Plan your expenses and keep extra funds in  case of emergency.
• Itinerary: Leave a copy with friends or family, along with copies of your passport identification page and your insurance policy. 
• Registration of Canadians Abroad service: Sign up at travel.gc.ca/register to receive notices.
• Follow us on Twitter and Facebook: @TravelGoC .
• Government of Canada offices abroad: Note the contact information of the nearest office of Canada at your destination. travel.gc.ca/offices

In case of an emergency outside Canada, contact the nearest Canadian embassy or consulate. ( travel.gc.ca/offices ) 

• Phone : +1-613-996-8885 (call collect where available)
• Email:   [email protected]
• SMS:  +1-613-686-3658 (carrier charges may apply)
• WhatsApp:  +1-613-909-8881 (carrier charges may apply)
• Telegram:  Canada Emergency Abroad

General travel information

Global affairs canada.

Phone: 

• 1-800-267-6788 (in Canada and the United States)
• +1-613-944-6788
• 1-800-394-3472 (in Canada and the United States)
• +1-613-944-1310

Email: [email protected]

Website: Travel.gc.ca

Emergency assistance outside Canada

Contact the nearest Canadian office ( travel.gc.ca/offices )

Contact the Emergency Watch and Response centre in Ottawa: 

• +1-613-996-8885 (call collect from abroad, where service is available)
• 1-800-387-3124 (toll-free in Canada and the United States)
• 1-800-394-3472 (toll-free in Canada and the United States)

SMS: +1-613-686-3658

WhatsApp: +1-613-909-8881

Website: travel.gc.ca/emergency

Canadian passports

Passport program.

• 1-800-567-6868 (toll-free in Canada and the United States)
• If you’re outside Canada, contact the nearest Canadian office ( travel.gc.ca/offices )

1-866-255-7655 (toll-free in Canada and the United States)

+1-514-283-5197 from outside Canada and the United States

Website: Canada.ca/passport

Canadian permanent residence and visas (foreigners entering Canada)

Immigration, refugees and citizenship canada.

• 1-888-242-2100 (toll-free in Canada only)
• Automated service available 24 hours a day, 7 days a week

Website: cic.gc.ca/helpcentre

Travel health

Public health agency of canada.

Phone: 1-844-280-5020 (toll-free in Canada only)

Website: https://www.canada.ca/en/public-health/services/travel-health.html

Canada customs and requirements to enter Canada

Canada border services agency.

• 1-800-461-9999 (toll-free in Canada)
• +1-204-983-3500 or +1-506-636-5064 (from outside Canada)

TTY: 1-866-335-3237 (in Canada)

Website: cbsa-asfc.gc.ca

Airport security

Canadian air transport security authority (catsa).

Phone: 1-888-294-2202 (toll-free in Canada only)      

Website: catsa-acsta.gc.ca

Bringing food and animal products into Canada

Canadian food inspection agency.

• 1-800-442-2342 (toll-free in Canada and the United States)
• +1-289-247-4099 (local calls and all other countries)

Website: inspection.canada.ca

Related links

• Travel outside Canada
• Travel advice and advisories    
• Registration of Canadians Abroad service            
• Assistance outside Canada                
• Canadian passports and other travel documents        
• Government of Canada offices abroad           
• Foreign representatives in Canada       
• Travel publications

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Traveler’s Checks When Traveling Abroad — Useful or Outdated?

Christy Rodriguez

Travel & Finance Content Contributor

88 Published Articles

Countries Visited: 36 U.S. States Visited: 31

Keri Stooksbury

Editor-in-Chief

32 Published Articles 3130 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

What Are Traveler’s Checks?

Where to buy traveler’s checks, how to use traveler’s checks, what to do if traveler’s checks are stolen, 1. no access to credit or debit card, 2. limited access to atms, 3. access good exchange rates , 4. avoid common credit or debit fees, 5. as an added safety measure, 1. limited availability for use, 2. not all banks offer them, 3. potential for additional fees, 4. bulky paperwork, credit card, prepaid card, do your research, tell your bank you are traveling, don’t keep all of your money in 1 place, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

When traveling abroad, you might wonder how to pay for things once you arrive. Should you bring currency on your trip? Which currency should you bring? Can you get money once you arrive? How much cash should you carry at once?

Many of these questions can be answered by using traveler’s checks. Traveler’s checks might seem like an outdated choice, but they can still be useful in certain situations.

In this article, we’ll explain what traveler’s checks are, how they work, and when they might be worth the hassle. We’ll also explore other more common alternatives and give tips for obtaining foreign currency.

Traveler’s checks are documents that can be used like standard paper checks and cash. Travelers purchase them before they leave home to exchange for cash in the local currency when they arrive at their destination.

These checks are printed in varying denominations, and each check is uniquely numbered so that it can be replaced quickly if lost or stolen.

Banks, hotels, and merchants were once very used to accepting traveler’s checks. These places liked traveler’s checks because of the safeguards that were put in place. Basically, as long as the original signature matched the signature made at the time of the purchase, payment is guaranteed — eliminating any “bounced checks.”

Now, with the increased use of credit and debit cards (especially those with no foreign transaction fees ), prepaid cards, and ATMs on every corner, traveler’s checks have become less popular.

You may find it difficult to find banks or hotels that accept them , and if you do, you might be at the mercy of their business hours to cash them in.

How To Buy and Use Traveler’s Checks

You can still buy and use traveler’s checks in the U.S. and other countries.

You can find traveler’s checks offered by companies like American Express and Visa . You can also go to your local AAA office to purchase them.

The best place to purchase traveler’s checks is from your own bank, but unfortunately, many banks no longer offer traveler’s checks, including Chase, Wells Fargo, and Bank of America.

If you’re not sure if your bank offers traveler’s checks, it’s worth contacting them to confirm. If you are a customer, banks typically waive any fees to obtain them and this can add up because other companies can add on a 1% to 3% fee on top of the base currency amount that you request.

In order to obtain a traveler’s check, you will need to:

• Either go in person to an eligible bank or visit the website of the traveler’s check issuer.
• Select the total amount of currency to purchase.
• Submit payment, including any fees.

Once you have the traveler’s checks, you need to know how to use them. Traveler’s checks work a bit differently than other forms of currency. Here are the steps you’ll need to take:

• Sign the checks immediately. Follow the issuer’s instructions to find out where to sign (and only sign once).
• Leave evidence of your traveler’s check purchase somewhere safe. If checks get lost or stolen, you’ll need to provide proof of purchase along with check numbers to get a refund. Leave those details with a friend or save them online for easy remote access.
• Complete the payee and date fields. Once you have confirmed that the payee or bank will accept traveler’s checks, fill out the payee and date fields.
• Sign the check again. You must complete this portion in-person to ensure that the signature matches the original. You may also need to show some sort of identification as well. This is key to keeping traveler’s checks secure.
• If checks get lost or stolen, contact the issuer immediately. You may be able to get replacement checks locally, and the issuer needs to know which checks to cancel.

Traveler’s checks don’t expire , so if you don’t use them you can either keep them for future use or deposit them into your bank account once you’re home.

If all of your cash is stolen while you’re traveling abroad, you’ll have next to no chance of getting it back.

However, if this happens with your traveler’s checks, you’ll likely get them replaced as long as you’ve complied with your check issuer’s purchase agreement . This is the primary benefit of traveling with traveler’s checks.

Bottom Line: Treat your traveler’s checks like cash. If you lose your checks, you may not get replacements if your check issuer has reason to believe you didn’t safeguard them appropriately.

Here’s what to do if your traveler’s checks are lost or stolen:

• Call the customer service phone number provided by your issuer or find it by accessing their website.
• Provide proof that the check is yours by submitting the check number, proof of purchase, and your identification. It’s important to have easy access to this information for this reason.
• If required by your issuer, provide evidence that you have reported your stolen check to the police.
• Be sure to return any other refund paperwork requested.

If you don’t comply, you could experience delays or even have your claim denied. After you’ve reported your missing check, your provider will void it and issue you a new check.

Some issuers even pledge to get replacement checks out to you within 24 hours !

Best Ways To Use Traveler’s Checks

The following are situations when you might consider using traveler’s checks:

If you don’t have a credit card or a debit card tied to your bank account, a traveler’s check could be a safe alternative to simply carrying lots of cash abroad.

This tip also applies if your particular credit or debit card isn’t accepted abroad. This is more likely to happen if your card is something other than a Visa or Mastercard , as those credit cards claim the widest global network.

In many places, you can easily get cash in the local currency at an ATM once you arrive. This wouldn’t be a problem in Europe, for example, but ATMs are rare in some parts of the world. In addition, ATMs can malfunction, networks can be down, and machines might even run out of cash.

Traveler’s checks allow you to get local currency at participating banks, hotels, and other foreign locations without regard for these potential problems.

Buying traveler’s checks can help you avoid bad exchange rates. If you decide to exchange currency once you arrive, you might not get the best conversion rates by doing this at the airport.

By purchasing traveler’s checks before you leave, you can lock in a set amount at the current exchange rate.

Read our guide for the best places to exchange currency .

If your credit or debit card charges a foreign transaction fee , you can be charged a fee every time you make a purchase with your card in a foreign country. If your card also charges ATM fees, these fees can add up quickly.

To avoid these fees, it might make sense to use traveler’s checks. Although there may be a fee involved when you purchase or cash a traveler’s check, it might still be less than other fees your credit or debit card may charge.

Hot Tip: If your card charges a foreign transaction fee, it will typically be 3% of each purchase you make.

If you’re traveling to a potentially unsafe region, traveler’s checks keep your money secure. Even if you’re in a relatively safe place, anyone who enters your room or has access to your bags could search for your money.

The main benefit of traveler’s checks is that they reduce your risk of theft or loss. Since they can’t be cashed without your signature and often require a photo ID, they are less appealing to thieves or pickpockets. They can also be easily replaced if you provide the issuer with the proper information.

Cons of Using Traveler’s Checks

Here are some reasons that might discourage you from using traveler’s checks:

In much of Europe and Asia, traveler’s checks are no longer widely accepted and cannot be easily cashed — even at the banks that issued them.

This means that cashing in traveler’s checks might require hunting down a bank branch or hotel that accepts them during business hours.

Bottom Line: Those relying solely on traveler’s checks may find that they are unable to cash them in many remote or rural locations.

Certain major banks, such as Bank of America, no longer offer traveler’s checks at all. This might mean ordering traveler’s checks online well in advance of your travel plans or having to find a new bank that offers them.

If a company does offer traveler’s checks, it typically charges fees for both buying and cashing in a traveler’s check. While some banks offer them for free if you are a customer, others charge between 1% to 3% of the total purchase amount.

Check the math for your own situation, but using traveler’s checks could actually cost more than using an ATM or credit card abroad.

Not only are traveler’s checks a hassle to carry, but most companies also require that you keep proof of purchase for the checks to verify the check numbers if they are lost or stolen.

Both of these just add up to keeping track of additional paperwork.

Other Alternatives

Obviously, traveler’s checks aren’t your only option when it comes to obtaining foreign currency. Here are some other options you should consider.

Cash is convenient and relatively easy to exchange. You can bring money from home into a foreign bank or currency exchange location almost anywhere in the world. It can be easily exchanged without the worry of multiple bank fees or ATM fees adding up.

Hot Tip: Be aware: if you exchange your money in tourist areas, you might be hit with a bad exchange rate.

On the downside, carrying paper money is a risk since it can’t be replaced if stolen.

A debit card can be used at an ATM to collect cash. While not all ATM machines (especially in more rural places) accept foreign debit cards, you will find that most do.

Depending on your bank, you might even have to pay both an out-of-network ATM and an international ATM fee for this convenience.

Hot Tip: An out-of-network ATM fee is typically between $2 to $3.50 per transaction in 2021 and a typical international ATM fee can range from $2 to $7 per transaction (plus a 3% conversion fee), depending on your bank and card.

Most restaurants and stores accept foreign debit cards, but carrying a form of backup currency is always wise . Additionally, foreign transaction fees can add up quickly if you are using your debit card frequently.

Like debit cards, credit cards are small and easy to carry. Mastercard, Visa, and more recently, American Express , are widely accepted in other countries, so you can rest easy knowing you will be able to complete your purchases. You can also limit fees by getting a credit card with no foreign transaction fees .

A credit card also comes with fraud protection. You can dispute fraudulent charges and get them removed from your account if reported timely.

Hot Tip: While you can use a credit card for ATM transactions, you will be hit with a cash advance fee . It’s best to avoid doing this, if possible.

If you have difficulty getting approved for a credit card , a prepaid card could be a good alternative. You simply load the card with money from your bank account and use it as a debit card at an ATM or as a credit card at merchants and hotels.

While prepaid cards are locked with a PIN number, they can sometimes be difficult to use at ATM machines. Additionally, fees for foreign currency transactions can be as high as 7% , depending on the card.

Hot Tip: Booking hotels, airfare, or activities online will require either a credit card, debit card, or prepaid card.

Money Tips for Traveling Abroad

Know which types of currency are accepted at your destination and how much of each type (if any) you should bring. Especially be aware of any cash you might need on arrival (to obtain a visa , exchange upon arrival, etc.) in case you can’t immediately locate an ATM or a currency exchange office.

Carry a mix of cash, cards, and maybe even traveler’s checks. Ideally, the cards you bring with you shouldn’t have foreign transaction fees or ATM fees . Having some variety also helps if one of your cards isn’t accepted or your cash is lost or stolen. 

Always be sure to let your bank and credit card issuers know where you’re going and when so that your card isn’t declined when you try to make a purchase due to unusual activity.

If you exchange money at your bank, you will likely also get a better exchange rate.

Keep some of your currency or an extra card locked in your hotel room’s safe or in a money belt . In the terrible instance that you lose your purse or wallet, you would still have immediate access to additional money.

We’ve shown that traveler’s checks aren’t necessarily the most convenient way to take currency abroad, but depending on if you have limited access to debit or credit cards or they aren’t accepted where you are traveling, it might be worth it to bring some along.

Overall, if you’ve decided that traveler’s checks can be of use to you, taking some, along with some cash and a debit, credit, or prepaid card, may just be the smartest way to travel.

Frequently Asked Questions

Can you still buy traveler's checks.

While many larger banks are no longer offering traveler’s checks, they are still available at American Express and other smaller banks and credit unions. It is worth asking if your bank offers them and at what cost.

How much does it cost to buy traveler's checks?

While some banks offer them for free if you are a customer, others charge between 1% and 3% of the purchase amount.

What is the purpose of a traveler's check?

A traveler’s check offers a safer option than carrying around money. There are multiple safeguards in place to prevent fraud and if the checks are lost or stolen, they can be easily replaced.

Can you cash old traveler's checks?

Traveler’s checks do not expire. You can cash them in at any time — typically even at banks that don’t offer them for sale. This means you can go to your own bank and redeem your traveler’s checks.

To do this, date them, fill out the “Pay To” field (to your bank), and countersign in the presence of the cashier . Any unused value will be returned to you in cash.

Can I buy traveler's checks online?

American Express is the only large bank that offers traveler’s checks online. Its website offers a step-by-step process to order them.

You should check with your local bank or credit union to see if they might also offer this benefit.

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

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All about traveler’s checks, plus modern alternatives

January 18, 2024 | 1 min video

Getting ready to travel? One thing to think about is how you’ll make purchases while you’re away. Traveler’s checks aren’t as common as they used to be. So you might want to consider modern alternatives that may offer the advantages of traveler’s checks and more.

Read on to learn more about the ins and outs of traveler’s checks. And find out about other options—for example, credit cards, prepaid cards and mobile wallets—that could help make the most of your trip.

Key takeaways

• Traveler’s checks are paper documents that can be exchanged for local currency or used to buy goods and services abroad.
• Traveler’s checks feature unique serial numbers, making them replaceable if they’re lost or stolen.
• Fees may apply when purchasing and exchanging traveler’s checks.
• There are modern alternatives to traveler’s checks that you may find more convenient.

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What is a traveler’s check?

A traveler’s check is a paper document you can use for making purchases when you’re traveling, typically in other countries. It can be used as cash or a regular check.

Traveler’s checks—you may also see them referred to as “cheques”—are generally printed with a unique serial number. This means you may be able to get a refund if your checks are lost or stolen. The checks are usually available in set denominations—$20 and $50, for example. 

How do traveler’s checks work?

Traveler’s checks may be accepted at participating merchants like hotels, restaurants and stores. Just keep in mind that there could be fewer participating merchants than there used to be.

When you purchase your checks, you may notice that they have a space for two signatures:

• First signature: You might be asked to sign each of your traveler’s checks when you buy them. If not, you may want to sign them as soon as possible. 
• Second signature: You’ll usually sign your traveler’s checks again when you’re making purchases.

This dual signature method is meant to provide extra security and ensure that only the purchaser is able to use them. The merchant can verify that the second signature matches the first.

How to cash in traveler’s checks

You can use traveler’s checks like cash to pay for goods and services at participating merchants. You’ll typically sign the check in front of the merchant at the time of the purchase.

While traveling, you may also be able to redeem your traveler’s checks for local currency at financial institutions or your hotel.

Potential fees associated with traveler’s checks

It’s possible that certain fees may apply to traveler’s checks. For example, you may need to pay a fee when you purchase them or when you exchange them for currency once you get to your destination. There might also be a fee for depositing unused checks into your bank account.

Where to get traveler’s checks

While traveler’s checks might be harder to find than they used to be, they’re still available. You may be able to purchase them at some banks, credit unions and travel-related service organizations.

Pros and cons of traveler’s checks

Take a look at some of the potential pros and cons of traveler’s checks:

When to use a traveler’s check

You might consider using traveler’s checks in certain situations, including: 

• When you don’t have a credit or debit card. Some people may prefer to travel using modern payment options like credit and debit cards. But if you don’t have either, you may find traveler’s checks to be an acceptable alternative.
• When you can’t access an ATM. If you find yourself in a place that doesn’t have an ATM on every corner, you can instead use your checks at merchants that accept them.
• When you want to exchange them for local currency. When you get to where you’re going, you might want to have some local currency on hand. You may be able to exchange your traveler’s checks for currency at certain banks or other financial institutions.

Modern alternatives to traveler’s checks

There are a number of alternatives to traveler’s checks—options you may find faster, easier and more convenient. Here are a few to consider when you’re comparing your choices:

Credit cards

Carrying a credit card may be easier than carrying traveler’s checks. Plus, credit cards can be helpful for making large and online travel purchases like plane tickets and hotel reservations. That’s especially true with travel credit cards , which you could use to earn rewards on travel-related purchases.

Some credit cards may also come with benefits that could be useful while traveling. They might include things like protection from unauthorized charges and the ability to use a mobile app to track your purchases .

Keep in mind that foreign transaction fees may come into play when you use your credit card overseas. While this fee might vary between credit card companies, it could generally be in the range of 1%-3% of your purchase. You may also be charged a currency conversion fee. This fee is often part of a foreign transaction fee.

Some companies don’t charge foreign transaction fees. For example, none of Capital One’s U.S.-issued credit cards charge this fee. View important rates and disclosures .

If you’re traveling with your credit card, your credit card issuer may want to be alerted before you go. That’s because it might flag your purchases as fraudulent if it notices purchases made in an unfamiliar location. Thanks to the added security of its chip cards, Capital One doesn’t require this notification.

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Debit cards

When you’re traveling, a debit card can be just as easy to carry around as a credit card. And like a credit card, it can help protect against fraud. 

The big difference: A credit card lets you “borrow” money for purchases, while a debit card uses the money in your checking account to make purchases.

It may be helpful to carry a debit card when you’re visiting a country that generally favors cash transactions. In that case, you could use your debit card at an ATM to get cash once you’ve reached your destination. And that may be safer than bringing cash with you and exchanging it for local currency once you’ve arrived. 

Keep in mind that you could be charged ATM fees when you use a debit card abroad. According to the Consumer Financial Protection Bureau (CFPB), some banks and credit unions don’t charge customers a fee for using their ATMs. But they might charge you if you’re not a customer—and that could be in addition to a fee charged by the operator of the ATM.

Also, be mindful that some banks may charge a foreign transaction fee when you make purchases abroad with a debit card. You may also be charged a currency conversion fee—often, this fee is folded into the foreign transaction fee.

Some banks, though, don’t charge foreign transaction fees. For example, Capital One doesn’t charge this fee for its 360 Checking account . 

If you take a debit card on your travels, your bank may ask you to notify it beforehand. That’s because it could notice transactions made in an unfamiliar location and potentially freeze your account. Capital One doesn’t require this notification , thanks to the added security of your chip card.

Prepaid cards

Like credit cards and debit cards, prepaid cards may be easier to carry around than cash. They may also offer some protection against loss, theft or fraud once you register them.

But with a prepaid card, you don’t “borrow” money like you do with a credit card—or use money from your checking account, like with a debit card. Instead, you typically add money to a prepaid card before using it.

According to the CFPB, there are a few ways you can add funds to a prepaid card. For example, you can transfer money from your checking account or load funds at some retailers or financial institutions.

You might be charged one or more fees for using a prepaid card. The CFPB notes that if you get your prepaid card from a retailer, you should find a summary of fees on the card’s packaging. If you get your card from a different provider—online or over the phone, for example—the provider needs to share this information on paper or electronically.

Mobile wallet

You’ll probably have your phone with you when you’re traveling, right? Using a mobile wallet to make purchases is another modern alternative to traveler’s checks.

A mobile wallet is essentially a digital version of your real wallet. Depending on the wallet, you may be able to store things like credit cards, debit cards, prepaid cards, boarding passes, hotel reservations, event tickets and other types of personal data. 

Mobile wallets can be convenient, allowing you to make quick and easy payments using your phone or other mobile device when you’re on the go. And they typically use advanced technology that prevents your actual account numbers from being stored in the wallet.

There are lots of mobile wallets to choose from. Researching your options could help you see which will work best while you’re traveling. Keep in mind, some merchants might not take mobile wallet payments.

Traveler’s checks in a nutshell

Traveler’s checks can be a helpful way to pay for things abroad, but there are also more modern options available today, like credit cards, debit cards, prepaid cards and mobile wallets. And with a travel credit card, you could earn rewards on your travel-related purchases.

Ready to upgrade the way you pay before your next trip? Compare Capital One travel credit cards today to find the best option for you, no matter where you’re headed. 

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I Declare: A guide for residents returning to Canada

October 1, 2022 : covid-19 emergency border measures ended.

Refer to COVID-19: Travel, testing and borders for details.

As of February 6, 2022 , the Canadian Food Inspection Agency ( CFIA ) has new limits on regulated goods that travellers may import for personal use. Consult the following for details:

• Automated Import Reference System ( AIRS )
• Bringing food into Canada for personal use or
• Importing aquatic animals for travellers or personal use
• Maximum quantity limits for personal use exemption

Any quantities above the new limits will require that travellers obtain the following in advance of arrival:

• a B3 commercial entry
• a Safe Food for Canadians licence

For commercial shipments : you must obtain a Safe Food for Canadians ( SFC ) licence for food you are importing into Canada for a commercial purpose (for resale). Consult the following for details:

• Commercially importing food to Canada

This is to advise that as of March 15, 2021 , food import transactions of previously registered food commodities meat, fish, dairy, eggs, processed eggs, processed fruits or vegetables, honey, maple and, fresh fruits or vegetables will automatically be rejected by the Canadian food inspection agency ( CFIA ) when transmitted electronically, unless a valid SFC licence is entered in the Integrated Import Declaration (IID) and shipments may be refused entry to Canada .

Businesses must obtain their SFC licence before presenting their shipment at the border. They will not be able to obtain an SFC licence at the border.

Please contact the Canadian Food Inspection Agency ( CFIA ) for more information on import requirements and consult the CFIA's website for further details on commercially importing food to Canada .

The information in this guide provides an overview of the laws, restrictions, entitlements and obligations that apply to Canadian residents returning to Canada following international travel of less than one year.

The information applies to personal goods only. Residents who are importing goods for commercial purposes should refer to the Step-by-step guide to importing commercial goods into Canada .

For more information, call the Border Information Service (BIS).

Know before you go

Identification, travelling with children, protecting yourself from diseases, protecting your valuables.

• Travelling with CAN$10,000 or more 

Save time at the border

Are you eligible, absence of less than 24 hours, absence of more than 24 hours, absence of more than 48 hours, absence of more than 7 days, what conditions apply, do you spend part of the year outside canada, provincial considerations, alcoholic beverages, tobacco products, gifts, prizes and awards, modifying an item outside canada, repairs or alterations to your vehicle, vessel, or aircraft, emergency repairs, returning to canada, making your declaration, you and the border services officer, false declarations and the seizure of goods, if you became ill while travelling, the payment of duty and taxes, duty and taxes estimator, applicable duty rate and taxes, importing a marine pleasure craft, unaccompanied goods, food, plants, animals and related products, health products and prescription drugs, goods contaminated with soil, prohibited consumer products, cultural property, firearms and weapons, explosives, fireworks and ammunition, obscene material, used or second-hand mattresses, other prohibited goods, goods subject to import controls.

You must carry proper identification for yourself, your children and any dependents travelling with you.

Proper identification includes a Canadian passport, a Canadian birth certificate, a citizenship card or a Certificate of Indian Status. The Government of Canada recommends that Canadian citizens and dual citizens travel internationally with a valid Canadian passport . This is the only reliable and universally accepted identification document available to Canadians for the purpose of international travel.

In the case of international air travel, the following documents are proof of Canadian citizenship: a valid Canadian passport, a Canadian temporary passport or a Canadian emergency travel document.

International transportation companies—such as air, rail or bus lines—may require travellers to present a passport and/or a Canadian Permanent Resident Card. You may face delays or may be prevented from boarding if you do not present one of these documents.

In Canada, persons under the age of 18 or 19 are considered minors (or children). The age of a minor is determined by the province or territory of residence. When travelling abroad, minors should carry a Canadian passport . In the air mode, they must carry a Canadian passport. It is also strongly recommended that the following documents be available:

• Consent letter  confirming that the child has permission to travel abroad (for example, when taking a trip alone or with only one parent);
• Supporting additional identification , such as a passport, birth certificate or citizenship card; and
• Other legal documents , such as divorce papers, custody court orders or a death certificate (if one parent is deceased).

Minors travelling alone or with an adult will be assessed on a case-by-case basis by the Canada Border Services Agency (CBSA) at the port of entry.

For more information, consult Travelling with Children .

Before you leave Canada, you should contact a travel health clinic to find out what vaccinations and medications you might need. For more information, consult Travel Health .

You should take advantage of a free identification service for valuables you are bringing with you on your travels. This service is available at all CBSA offices across Canada and helps ensure that you have proof that your goods were in your possession prior to leaving Canada.

To use this service, before leaving Canada, you must present your valuables to a border services officer. You must state that you acquired them in Canada or lawfully imported them at an earlier date. The officer will list your valuables and their serial numbers on a wallet-sized card called a Form BSF407, Identification of Articles for Temporary Exportation. This service is available for items that have serial numbers or other unique markings. For items that do not have such markings, the CBSA can apply a sticker to them so that they can be identified for customs purposes as goods that are legally permitted in Canada.

There is no expiry date on the form; therefore it remains valid as long as the information is current and legible.

When returning to Canada, show your card to the border services officer as proof, if requested.

It is recommended that you travel with as little jewellery as possible. As jewellery often has significant value and can be difficult to identify, it cannot be listed on a Form BSF407 in the same way as other valuables. You should take the following steps before you leave Canada to make it easier for you to re-enter the country with these items:

• Obtain an appraisal report along with a signed and dated photograph of each piece of jewellery from a recognized Canadian gemologist, jeweller or your insurance agent;
• Obtain written certification that the items or jewellery in the photographs are the ones described in the appraisal report;
• Take the jewellery appraisal reports, certification statements and photographs to a CBSA office to be validated prior to travelling outside of Canada;
• If the jewellery was purchased in Canada, retain the sales receipt;
• If you imported the goods previously, make sure you have a copy of your importation receipt (BSF175 Casual Goods Accounting Document) ; and
• Carry the appraisal reports, the certifications and photographs when travelling outside Canada.

Travelling with CAN$10,000 or more

There are no restrictions on the amount of money you can bring into or take out of Canada, nor is it illegal to do so.

However, any time you cross the border, you must declare any currency or monetary instruments you have in your possession that are valued at CAN$10,000 or more. The CAN$10,000 can be any combination of Canadian or foreign currency and monetary instruments, such as stocks, bonds, bank drafts, cheques and traveller's cheques. This requirement applies to you whether you are travelling on business, pleasure or if you are carrying money on behalf of someone else.

When you arrive in Canada with currency or monetary instruments valued at CAN$10,000 or more in your possession, you must report it on Form E311, the CBSA Declaration Card (if one was provided to you), on an Automated Border Clearance kiosk or a Primary Inspection Kiosk , or in the verbal declaration made to a border services officer.

When leaving Canada by air with currency or monetary instruments valued at CAN$10,000 or more in your possession, you must report to the CBSA office within the airport before clearing security. Prior to leaving Canada by land, boat or rail, report to the CBSA office nearest your location.

If you are a NEXUS member and are crossing the border with currency or monetary instruments valued at CAN$10,000 or more, you cannot use NEXUS in the land, air or marine modes of transportation. For more information: NEXUS Terms and Conditions .

Consult Travelling with CAN$10,000 or more .

The CBSA offers voluntary Trusted Traveller programs to streamline border clearance for pre-approved, low-risk Canadian and U.S. citizens and permanent residents. As a member, you can use the following Trusted Traveller programs when entering Canada at major airports, highways and waterways:

The NEXUS program is jointly run by the CBSA and U.S. Customs and Border Protection (CBP) and offers benefits to trusted travellers who are crossing the border into Canada and the U.S.

To become a NEXUS member, you must: complete the online application process; satisfy the admissibility and eligibility criteria; pass risk assessments carried out by both the CBSA and U.S. CBP; and attend an interview at a NEXUS Enrolment Centre. Visit the NEXUS Application web page for more information.

The CANPASS suite of programs

The CANPASS suite of programs offers benefits to trusted travellers (Canadian citizens or permanent residents only) who are crossing the border into Canada. These programs include:

• CANPASS Air
• CANPASS Corporate Aircraft
• CANPASS Private Aircraft
• CANPASS Private Boats

To become a member of one or more CANPASS programs, you must: complete the registration process (with a paper application); satisfy the admissibility and eligibility criteria; and pass risk assessments carried out by the CBSA. When applying to join CANPASS Air, you must also visit an enrolment centre to finalize your enrolment. Visit the CANPASS site for more information.

Personal exemptions

You may qualify for a personal exemption when returning to Canada. This allows you to bring goods up to a certain value into the country without paying regular duty and taxes.

You are eligible for a personal exemption if you are one of the following:

• a Canadian resident returning from a trip outside Canada;
• a former resident of Canada returning to live in this country; or
• a temporary resident of Canada returning from a trip outside Canada.

Children are also entitled to a personal exemption as long as the goods are for the child's use. Parents or guardians can make a declaration to the CBSA on behalf of the child.

What are your personal exemptions?

The length of your absence from Canada determines your eligibility for an exemption and the amount of goods you can bring back, without paying any duty and taxes. (The exception is a special excise duty that may apply to certain tobacco products. Refer to Tobacco Products section .)

• Personal exemptions do not apply to same-day cross-border shoppers.
• You can claim goods worth up to CAN$200.
• Tobacco products and alcoholic beverages are not included in this exemption.
• If the value of the goods you are bringing back exceeds CAN$200, you cannot claim this exemption. Instead, duty and taxes are applicable on the entire amount of the imported goods.
• Goods must be in your possession and reported at time of entry to Canada.
• A minimum absence of 24 hours from Canada is required. For example, if you left at 19:00 on Friday the 15th, you may return no earlier than 19:00 on Saturday the 16th to claim the exemption.
• You can claim goods worth up to CAN$800 .
• You may include alcoholic beverages and tobacco products, within the prescribed limits. Refer to sections Tobacco Products and Alcoholic Beverages.
• If the value of the goods you are bringing back exceeds CAN$800, duties and taxes are applicable only on amount of the imported goods that exceeds CAN$800 .
• A minimum absence of 48 hours from Canada is required. For example, if you left at 19:00 on Friday the 15th, you may return no earlier than 19:00 on Sunday the 17th to claim the exemption.
• You must have tobacco products and alcoholic beverages in your possession when you enter Canada, but other goods may follow you by other means (such as courier or by post). However, all of the goods you are bringing back must be reported to the CBSA when you arrive. See Unaccompanied Goods section.
• A minimum absence of seven days is required. When calculating the number of days you have been absent, exclude the day you left Canada but include the day you returned. For example, we consider you to have been absent seven days if you left Canada on Friday the 7th and return no earlier than Friday the 14th to claim the exemption.
• You cannot combine your personal exemptions with another person's or transfer them to someone else.
• You cannot combine your personal exemptions. For example, if you are absent from Canada for 9 days total, you cannot combine your 48-hour exemption (CAN$800) with your 7-day exemption (CAN$800) for a total exemption of CAN$1,600.
• In general, the goods you include in your personal exemption must be for your personal or household use. Such goods include souvenirs that you purchased, gifts that you received from friends or relatives living outside Canada or prizes that you won.
• Goods you bring in for commercial use or for another person do not qualify for the exemption and are subject to applicable duties and taxes. In all cases, goods you include in your 24-hour exemption (CAN$200) or 48-hour exemption (CAN$800) must be with you upon your arrival in Canada.
• Except for tobacco products and alcoholic beverages, goods you claim in your 7-day exemption (CAN$800) may be shipped to your home by mail, courier or other means of transportation.
• You must always report the value of the goods you are importing in Canadian funds. Foreign currency amounts including any foreign taxes must be converted to Canadian dollars at the applicable exchange rate recognized by the CBSA.

If you spend six months or less in another country for health reasons or pleasure, the CBSA still considers you a resident of Canada and you are entitled to the same exemptions as other Canadian residents. When you import foreign goods or vehicles for your personal use into Canada (even temporarily), you must meet all import requirements and pay all applicable duty and taxes.

Except for restricted items, you can bring any amount of goods back to Canada. If you qualify for a personal exemption, you will be required to pay the duty and taxes as well as any provincial or territorial levies that apply on the amount that exceeds your personal exemption. If you do not qualify for a personal exemption, you will be required to pay the duty and taxes as well as any provincial or territorial levies that apply on the entire amount.

Alcoholic beverages are products that exceed 0.5% alcohol by volume. Certain alcoholic and wine products that do not exceed 0.5% by volume are not considered alcoholic beverages.

If you have been away from Canada for 48 hours or more , you are allowed to import one of the following amounts of alcohol free of duty and taxes:

You must meet the minimum age of the province or territory where you enter Canada. Minimum ages are established by provincial or territorial authorities: 18 years for Alberta, Manitoba and Quebec and 19 years for the remaining provinces and territories.

The CBSA classifies "cooler" products according to the alcoholic beverage they contain. For example, beer coolers are considered to be beer and wine coolers are considered to be wine.

The quantities of alcoholic beverages you can import must be within the limit set by provincial and territorial liquor control authorities that apply where you will enter Canada. If the amount of alcohol you want to import exceeds your personal exemption, you will be required to pay the duty and taxes as well as any provincial or territorial levies that apply. Contact the appropriate provincial or territorial liquor control authority for more information before you return to Canada.

You can speed up your clearance by having your tobacco products available for inspection when you arrive.

Whether they are stamped or unstamped, if you bring in tobacco products that exceed your personal exemption, you will be required to pay the regular duty and taxes as well as any provincial or territorial levies that apply on the excess amount.

Note: You must be 18 years of age to bring tobacco products into Canada under your personal exemption.

Stamped Tobacco Products – Personal exemption amounts

If you wish to import cigarettes, manufactured tobacco and tobacco sticks duty free as part of your personal exemption, the packages must be stamped " duty paid Canada droit acquitté ". You will find tobacco products sold at duty-free stores marked this way.

If you have been away from Canada for 48 hours or more, you may import all of the following amounts of cigars and stamped tobacco into Canada free of duty and taxes.

Unstamped Tobacco Products – Special duties rate

A special duty rate applies to cigarettes, manufactured tobacco and tobacco sticks that are not stamped " duty paid Canada droit acquitté".

For example, if you claim a carton of 200 cigarettes as part of your personal exemption and it is not stamped " duty paid Canada droit acquitté", you will be assessed at a special duty rate.

Unstamped Tobacco Products – Import limits

In addition to your personal exemption amounts, there are limits on the quantity of tobacco products that may be imported if it is not packaged and not stamped " duty paid Canada droit acquitté ". The limit is currently five units of tobacco products. One  unit of tobacco products consists of one of the following:

Sending gifts to Canada

While out of the country, you can send gifts to friends in Canada and not pay duty and taxes under the following conditions: each gift must not be worth more than CAN$60 and the gifts cannot be tobacco products, alcoholic beverages or advertising matter.

The recipient must pay the duty and taxes as well as any provincial or territorial levies that apply for each gift having a value in excess of CAN$60. You should include a card indicating that the item is a gift to avoid any misunderstanding.

Returning with gifts

While gifts you send while outside Canada do not count as part of your personal exemption, those accompanying you when you return to Canada, whether gifts for others or gifts you received, are subject to personal exemption limits.

Prizes and awards

In most cases, you must pay regular duty and taxes on these items if you receive them while outside Canada. Prizes can be claimed as part of your personal exemption. You must pay the duty and taxes as well as any provincial or territorial assessments that apply in excess of your personal exemption.

If you take an item outside Canada and change it in any way to enhance its condition or value, it may be subject to duty and taxes when you bring it back into the country. You must declare the value of any work, including repairs, and you may have to declare the full value of the new item.

Even if the good originated in Canada the CBSA is unable to treat the enhanced item as a good returning to Canada. There are different requirements for work done on items, including repairs, outside of Canada. There may be relief if this work is carried out in Canada's free trade partner countries. If you are considering having any work done to your goods outside of Canada, you should contact the CBSA beforehand.

Example: You take an old diamond ring with you on a trip outside Canada. While on your trip, you decide to have the diamond taken out of the old setting and placed in a new setting. When you return to Canada, the CBSA does not consider the ring to be "returned" jewelry and the ring must be declared accordingly. Depending on where you had the work done, you may be required to pay duty and taxes on the full value of the ring or on only the cost to have the work done.

If you plan to have repairs, alterations or additions made to your vehicle, vessel or aircraft outside of Canada, you must declare the work when you arrive at the border. In such cases, you should check with the CBSA for information before you leave.

You may have to pay duty and/or taxes on the work done. In some cases, where the work is carried out in certain countries outside North America, you may have to pay duty and/or tax on the entire value of the vehicle, vessel or aircraft when you bring it back.

Refer to the following CBSA documents for more information:

• D8-2-26, Goods Returned After Repair or Alteration in the United States, Mexico, Chile, Israel or Another CIFTA Beneficiary, Colombia, Costa Rica, Peru, Jordan or Panama
• D8-2-25, Canadian Vessels Repaired or Altered in the United States, Mexico, Chile, Israel or Another CIFTA Beneficiary, Colombia, Costa Rica, Peru, Jordan, Panama, Iceland, Liechtenstein, Switzerland or Norway

If you are outside Canada and you have emergency repairs made to your vehicle, vessel or aircraft, the repairs are duty and tax exempt. To be eligible for this special provision, be sure to declare the value of all repairs and replacement parts when you return to Canada with the vehicle and provide any supporting documentation, such as police or insurance reports.

If there is any doubt that the repairs were required as a result of an emergency, you will be required to pay the duty and taxes that apply for a non-emergency repair or alteration. If you are later able to provide proof supporting the emergency repairs and eligibility for duty and tax relief, you may appeal the initial decision.

For more information, refer to D8-2-4, Canadian Goods Abroad Program – Emergency Repairs .

Transport Canada has requirements for vehicles that are extensively modified. For more information, contact Transport Canada's Registrar of Imported Vehicles . (1-888-842-8240)

You must declare all goods you acquired while outside Canada, including purchases, gifts, prizes and awards that you have with you or are being shipped to you. You must declare goods purchased at a Canadian or foreign duty-free shop, and any repairs or alterations you made to your vehicle, vessel or aircraft while you were out of the country.

If you are unsure whether to declare an item, or whether an item may be inadmissible, always declare it to the border services officer. Officers will assist you in making your declaration and will work out your personal exemption and any duty and taxes you owe in the way that benefits you most.

If you return to Canada by commercial aircraft, you will receive a Form E311, CBSA Declaration Card to complete before you land. These cards are also used at some locations for travellers arriving by train, boat or bus. If you have any questions about the card or related Canadian regulations, ask the border services officer when you arrive. If a declaration cannot be completed at primary inspection, you will be directed to secondary inspection for assistance.

Border services officers will assist any individual who is unable to complete the card because of a disability.

If you arrive in Canada in a private vehicle, such as an automobile, an aircraft, a boat or a bus, you will usually make an oral declaration.

If you are declaring goods that you have claimed under your CAN$800 (7-day) personal exemption that are not in your possession but will follow you, ask the border services officer for Form BSF192, Personal Exemption CBSA Declaration when you arrive in Canada. You must retain your copy of this completed form until you have received and accounted for all of the goods. Refer to Unaccompanied goods .

Upon arrival in Canada, you may be asked to undergo a more detailed process. This is a normal part of the border process which anyone entering or re-entering Canada may experience. You may be asked to complete other forms, or the border services officer may need to examine the goods you are bringing into Canada and ask questions about them. Border services officers are legally entitled to examine your luggage. You are responsible for opening, unpacking and repacking your luggage.

By making your goods easily accessible for inspection, and having your receipts handy, you will be helping the CBSA complete its inspection more quickly. It is a good idea to keep all your receipts for accommodations and purchases, and for any repairs done to, or parts bought for, your vehicle. The border services officer may ask to examine them as evidence of the length of your stay and of the value of the goods or repairs.

If you have any concerns about your experience at the border, ask to speak with the superintendent on duty. A consultation can often resolve the issue. If you are still not satisfied, our officers can tell you how to make a formal complaint.

Some infractions at the border are criminal offences. Border services officers have the authority to arrest individuals for these offences, including those under the Criminal Code such as impaired driving, outstanding arrest warrants, stolen property and abduction or kidnapping. Individuals who are arrested may be compelled to attend court in Canada. Anyone placed under arrest is protected by, and will be treated in accordance with, the Canadian Charter of Rights and Freedoms.

For more information, refer to Secondary Services and Inspections .

If you do not declare goods, or if you falsely declare them, the CBSA can seize the goods. You may permanently lose the goods or you may have to pay a penalty to get them back. Depending on the type of goods and the circumstances involved, the CBSA may impose a penalty that ranges from 25% to 70% of the value of the seized goods.

Items such as tobacco products and alcoholic beverages are seized permanently when they are not properly declared.

Border services officers may seize all vehicles used to unlawfully import goods. If this happens, you will be required to pay a penalty before the vehicle is returned to you.

The CBSA keeps a record of infractions. If you have an infraction record, you may undergo a more detailed examination on future trips. You may also become ineligible for the NEXUS and CANPASS programs.

If your goods were seized and you disagree with the action taken, you can an appeal the decision by contacting the CBSA within 90 days of the date of the seizure. More information about the appeal process can be found on your seizure receipt form or at Appeals/Reviews .

If you are suffering from a communicable disease upon your return to Canada, or if you have been in close contact with someone with a communicable disease, you must inform a border services officer or a quarantine officer. They will determine if you require further assessment. If you have been ill while travelling or become ill after your return to Canada, inform a Canadian doctor that you have been abroad, where you were and what, if any, treatment or medical care you have received (such as medications, blood transfusions, injections, dental care or surgery).

Paying duty and taxes

The CBSA collects duty and taxes on imported goods on behalf of the Government of Canada. Duty is a tariff payable on a good imported to Canada. Rates of duty are established by the federal Department of Finance and can vary significantly from one good to another as well as from one free trade agreement to another.

The CBSA has areas at most major airports where you can pay any duty or taxes you owe while waiting for your baggage to arrive. Border services officers are there to assist you.

If you arrive by land, a border services officer will direct you to where you can pay duty and taxes.

Making a full declaration and paying any duty and taxes you owe is a simple, straightforward process. You can pay by cash, travellers cheque, Visa, American Express or MasterCard. The CBSA also accepts debit cards at most offices. If an amount is no more than CAN$2,500, you can pay by personal cheque as long as you meet certain conditions, including that you have not had more than one cheque returned from the Government of Canada due to non-sufficient funds (NSF) over a one year period. Consult "methods of payment" in Memorandum D17-1-5, Registration, Accounting and Payment for Commercial Goods .

A border services officer will give you a receipt showing the calculations and amount you paid.

Beneficial duty rate

After each trip outside Canada of 48 hours or longer, in addition to being eligible for a personal exemption of CAN$800 (48-hour) or CAN$800 (7-day), you are entitled to a beneficial duty rate of 7% for additional goods valued up to CAN$300 over your exemption amount. This rate does not apply to tobacco products or alcoholic beverages. It applies only to goods that accompany you and that do not qualify for duty-free entry under the Customs Tariff . You must still pay any goods and services tax (GST) or harmonized sales tax (HST) that applies. In some provinces , the CBSA also collects the provincial sales tax (PST).

Regular duty rate

If you do not qualify for a personal exemption, or if you exceed your exemption limit and beneficial duty rate amounts, you will have to pay the GST/HST, as well as any duty or other tax or assessment that applies on the excess amount. Duty rates vary according to: the goods you are importing; the country where the goods were made; and the country from which you are importing them. You may also have to pay the PST if you live in a province where the CBSA has an agreement to collect the tax and you return to Canada through that province.

To assist in calculating the amount owing, the CBSA has created a duty and tax estimator for travellers.

Under the North American Free Trade Agreement (NAFTA), no duty is payable on goods imported for personal use if the good is marked as made in Canada, the United States of America ( USA ) or Mexico, or if there is no marking or labelling indicating that it was made somewhere other than in Canada, the USA , or Mexico.

Canada's other free trade agreements contain a similar provision. Refer to D11-4-13, Rules of Origin for Casual Goods Under Free Trade Agreements .

Most imported goods are also subject to the federal goods and services tax and provincial sales tax or, in certain provinces and territories, the harmonized sales tax.

Provincial sales tax

The CBSA has agreements with some provinces and territories which allow the CBSA to collect provincial/territorial taxes, levies and fees on goods with a value that exceeds your personal exemption amount. If you reside in one of these provinces or territories and you return to Canada at a port of entry in your province or territory of residence, the goods that you import in excess of your personal exemption will be subject to a provincial or territorial assessment.

Harmonized sales tax

The Government of Canada has agreements with New Brunswick, Nova Scotia, Newfoundland and Labrador, Prince Edward Island and Ontario to collect the HST. If you live in a participating province and the value of the non-commercial goods you import is more than your personal exemption, you must pay the HST instead of the GST, regardless of where you enter Canada.

Value for duty and foreign sales tax

You must declare the "value for duty" of the goods you are importing. Generally, this is the amount you pay for the goods, including any foreign tax assessment. However, any foreign tax already refunded, or to be refunded by a foreign government, does not have to be included in your value for duty declaration.

Marine pleasure crafts are vessels that are used for non-commercial purposes. These include boats, fishing boats, yachts, dinghies, tenders, motorboats, sailboats and personal watercraft.

All pleasure vessels imported by residents of Canada, regardless of where the vessels are licensed or registered, are subject to all applicable duty and taxes when they are first imported into Canada. As of September 1, 2022 , a luxury tax applies to subject vessels that have a taxable amount over $250,000. For more information, refer to Luxury tax - Canada.ca .

If importing used marine pleasure crafts, the owner must ensure that the vessel is not infested or contaminated with Zebra or Quagga mussels as per the import prohibitions in the Aquatic Invasive Species Regulations made under the Fisheries Act . The vessel should be cleaned, drained, and dried. Refer to Importing marine pleasure craft .

Often travellers acquire goods outside Canada and have these sent home. These goods arrive after your return to Canada. If you make such arrangements with a courier or postal company, you have 40 days from the date of your return to Canada to claim these goods. The good(s) mailed to Canada must qualify for the 7-day personal exemption. The shipment must not contain alcohol or tobacco products.

Upon arrival, you must tell a border services officer that you have shipped goods to follow and request Form BSF192, Personal Exemption CBSA Declaration . Be sure to retain your copy of Form BSF192 until you have received and accounted for all your goods.

Accepting or refusing courier deliveries

When a courier company delivers the goods, they will ask that you to pay the applicable duty and taxes along with a processing fee. You then have two options:

• You can accept delivery by paying the amount owing and then file a claim with the CBSA for a refund of the duties and taxes. For information on the casual goods refund process, refer to D6-2-6, Refund of Duties and Taxes on Non-commercial Importations ; or
• You can refuse to accept the delivery and avoid paying the duty, taxes and the processing fee. If you do this, you must advise the courier company at time of delivery that you will personally clear your goods with the CBSA. Otherwise, the goods will be returned to the country of export. Once you have personally cleared the goods with the CBSA, using Form Form BSF192, Personal Exemption CBSA Declaration you will be required to present the CBSA clearance documents to the courier in order for your goods to be delivered.

For more general information on importing goods by courier, refer to Importing goods for personal use .

Accepting or refusing postal deliveries

When Canada Post delivers the goods, you have three options:

• You can refuse the mail item and request a reassessment (a review of the amount charged before you pay);
• You can pay the duty and/or taxes and request an adjustment (a review of the amount charged after you pay); or
• If you want to return goods to sender before you pay the duty and/or taxes, advise Canada Post upon delivery.

For more information, please refer to Import by Mail .

Exchanging goods

You have 60 days from the date you imported goods under your personal exemption to avoid paying additional duty. Contact your nearest CBSA office for advice.

Restricted and prohibited goods

Importing certain goods into Canada is restricted or prohibited. The following are some examples of these goods.

You must declare all food, plants, animal and related products that you import into Canada. Failure to do so can result in your good being confiscated or you may be subject to a fine or prosecution.

Some of these items are prohibited or regulated because they can carry foreign animal and plant pests and diseases. Refer to the Canadian Food Inspection Agency's (CFIA) Travellers: what you can bring into Canada .

Complete and current import requirements for CFIA-regulated products can be found by consulting CFIA's Automated Import Reference System (AIRS) . AIRS guides the user through a series of questions about the Harmonized System code, origin, destination, end use and miscellaneous qualifiers of the product they wish to import. The import requirements can change on a daily basis due to emerging threats.

Certain species of plants and animals that are endangered or threatened due to commercial exploitation are protected under the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) . Their trade is carefully controlled. CITES import requirements do not appear in AIRS. If you have questions about importing a CITES species, visit International trade in protected animals and plants .

Some aquatic invasive species (AIS), such as zebra and quagga mussels and live Asian carp, are prohibited entry to Canada. Refer to Fisheries and Oceans Canada's Aquatic Invasive Species website .

Global Affairs Canada (GAC) has set additional limits on the quantity and/or dollar value of certain food products you can bring into Canada duty-free or that you can include in your personal exemption. Unless you have an import permit from GAC for quantities over and above the established limits, you will have to pay duty ranging from 150% – 300% of the value of the goods. Refer to Tariff Rate Quotas: Agricultural Products for more information.

In some cases, provinces and territories have legislation prohibiting possession or transport of specific invasive species and species that can carry diseases. Before you bring any plants, products or animals (either alive or dead such as in the case of carcasses, trophies or whole fish) into a province or territory, check with the jurisdiction to ensure you comply with provincial and territorial laws and regulations.

For more information, refer to Food plant and animal inspections .

In Canada, health products may be regulated differently than they are in other countries. For example, what is available without a prescription in one country may require a prescription in Canada.

Canada has restrictions on the quantities and types of health products that can be brought in.

More information

• Bringing health products into Canada for personal use ( GUI-0116 )
• Importing and exporting health products for commercial use ( GUI-0117 )

Soil is a major carrier of invasive species as well as plant and animal diseases.

Vehicles, equipment, footwear and other goods arriving at the Canadian border that are contaminated with soil are usually refused entry. These goods may be allowed entry under specific circumstances. Refer to Protecting Canada from Invasive Species .

Invasive insects and diseases can exist in firewood; it cannot be imported into Canada without a permit. Buy firewood locally and burn it on site. Refer to Don't move firewood .

The Canada Consumer Products Safety Act prohibits you from importing consumer products that could pose a danger to the public (for example, baby walkers or jequirity beans that are often found in art or bead work).

You should be aware of consumer products that have safety requirements in Canada. Many of these requirements are stricter than requirements of other countries. For more information refer to Bringing Consumer Products into Canada .

Certain antiquities or cultural objects considered to have historical significance to their country of origin cannot be brought into Canada without the appropriate export permits. Consult Import of Cultural Property for more information.

You must declare all weapons and firearms at the CBSA port of entry when you enter Canada. If not, the goods may be seized and you could face prosecution.

For more detailed information on importing a firearm into Canada, including licensing, registration and permit requirements, consult Import and Export a Firearm or Weapon into Canada .

You must have written authorization and permits to bring explosives, fireworks and certain types of ammunition into Canada. There are personal exemptions for some explosive items. For more information about the importation of these items consult Importation, Exportation and Transportation in Transit or contact Natural Resources Canada's Explosives Regulatory Division .

You are prohibited from importing goods such as obscene material, hate propaganda or child pornography, into Canada. Refer to D9-1-1, Policy on the Classification of Obscene Material and D9-1-15, Policy on the Classification of Hate Propaganda, Sedition and Treason .

You cannot import used or second-hand mattresses into Canada without a certificate that verifies the mattresses have been cleaned and fumigated in the country of export. A letter, or any other document that clearly demonstrates that this requirement has been met, is acceptable if it is signed by a person qualified in cleaning and fumigating. Refer to D9-1-7, Used or Second-Hand Mattresses and Materials Therefrom .

For information concerning other prohibited goods, consult Prohibited Importations .

To monitor the effects of imports on Canadian manufacturers, there are import controls on items such as clothing, handbags and textiles. These controls are outlined in the Export and Imports Permits Act . You may need an import permit, even if you qualify for a personal exemption, depending on the value, quantity or type of goods you intend to import.

For more information about these products, consult Global Affairs Canada's Export and Import Controls .

Vehicle imports fall under several federal departments, including the CBSA, Transport Canada (TC), and the Canadian Food Inspection Agency. Requirements from all of these departments apply.

What constitutes a vehicle

Under customs legislation, "vehicle" can refer to any kind of pleasure vehicle such as passenger cars, pickup trucks, camper trucks, vans, jeeps, chassis cabs, motorcycles, snowmobiles and motor homes; as long as it is used for non-commercial purposes.

For the purpose of importing, TC defines a vehicle as, "any vehicle that is capable of being driven or drawn on roads by any means other than muscular power exclusively, but does not include any vehicle designed to run exclusively on rails." Trailers such as recreational, boat, camping, horse and stock trailers are considered vehicles as are wood chippers, generators or any other equipment mounted on rims and tires.

Transport Canada requirements

For importing purposes, Transport Canada considers U.S.-leased and financed vehicles as "purchased" and these vehicles must meet TC's import and admissibility requirements.

Import restrictions also apply to most used or second-hand vehicles that are not manufactured in the current year and are imported from a country other than the United States. For further information, refer to Memorandum D9-1-11, Importation of Used or Second-hand Motor Vehicles .

Before importing any vehicle, you should contact the Registrar of Imported Vehicles (RIV). Created by TC, the RIV administers a national program to ensure that imported vehicles are brought into compliance with Canada's safety standards.

Once a vehicle is released at the border, you must abide by the terms of your TC declaration which may include fulfilling additional requirements established under applicable legislative provisions.

For more information on TC's requirements on the importation of vehicles, including a complete list of vehicle classes, refer to D19-12-1, Importation of Vehicles or contact Transport Canada's Motor Vehicle Safety Directorate .

Provincial/territorial requirements

You should also contact the provincial or territorial licensing authority to determine what provincial requirements may apply for importing and licencing a vehicle in that province or territory. Border services officers will verify compliance to provincial and territorial requirements and legislation prior to releasing a vehicle at the border.

Luxury tax on vehicles

As of September 1, 2022 , a luxury tax applies to subject vehicles that have a taxable amount over $100,000. For more information, refer to Luxury tax - Canada.ca

Has your vehicle come in contact with soil or manure?

Regardless of place of origin, imported used vehicles, farm equipment and related earth-moving vehicles and equipment must be free from soil, sand, earth, plant residue, manure and related debris. Many exotic plant pest organisms capable of causing economic loss to Canadian agricultural production can be transported in soil and related matter. Refer to D19-1-1, Food, Plants, Animals and Related Products .

Purchased, rented, borrowed or leased vehicles: restrictions on temporary importation

If you buy, lease, rent or borrow a vehicle while outside Canada, CBSA and Transport Canada legislation will allow you to bring it into Canada for your personal use on a temporary basis only under certain specific terms and conditions. For additional information, refer to D2-4-1, Temporary Importation of Conveyances by Residents of Canada and D19-12-1, Importation of Vehicles .

Travellers' cheques

Please note CAA Niagara is no longer selling or accepting travellers' cheques.

You can undergo the encashment process by downloading and completing the form to collect reimbursement for travellers' cheques previously purchased through CAA Niagara.

You can also continue to use wherever they are accepted. However, locations accepting travellers' cheques are becoming more and more limited. It is recommended that should you plan to pay with travellers’ cheques, you confirm with the destination that they accept them and carry a secondary means of payment.

Any further questions or concerns can be directed to the issuer of the travellers' cheques.

Although this service is no longer available, the CAA Rewards™ MasterCard® offers foreign currency transactions anywhere MasterCard is accepted worldwide. Learn More >

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