Canada travel restrictions Winter 2022-23: What travelers need to know
At Intentional Travelers, we believe travel can be transformational. That’s why we want to help you travel confidently, safely, and responsibly. With ever-changing travel restrictions and concerns surrounding COVID-19, our goal is to help you make informed decisions about where, when, and how to travel in this new world of ours.
This post about Canada travel in 2022is periodically updated with official Canada travel restrictions, requirements and guidance.
As restrictions vary based on the traveler’s citizenship, we will focus primarily on rules affecting U.S. citizens.
At the end of the post, we share on-the-ground perspectives from local residents and travelers to Canada so you can get a true sense of what to expect.
Last update: October 4, 2022. Originally published: September 2021.
Disclosure: This post contains some affiliate links. If you make a purchase through one of our links, we may receive a small commission, at no additional cost to you.
Table of Contents
Is Canada open for travel? Can I travel to Canada right now?
As of October 1, 2022, for all travelers entering Canada by air, land or sea:
- Proof of COVID-19 vaccination is not required
- COVID-19 pre-entry and arrival tests are not required
- Quarantine is not required
- ArriveCAN is not required
- Pre-boarding tests for cruise passengers are not required
- Health checks to board planes and trains are not required
- Wearing masks on planes and trains is not required but strongly recommended
Canada travel restrictions have been eased.
Quarantine rules in Canada: What happens if I get Covid?
Foreign tourists who test positive for Covid while in Canada should self-isolate immediately. The Canadian local public health authority will determine the length of quarantine based on a variety of factors.
Hotels, vacation rentals, and private residences are accepted quarantine locations. Travelers may be required to cover costs of quarantine accommodations.
Those with severe symptoms are advised to call 911 or the local emergency number in Canada.
Canada Proof of Vaccination Requirements for Dining, Travel, and other services
You might be wondering: Do I need a vaccine certificate or Covid test to enter restaurants, public transit, and other services in Canada?
As of June 2022, proof of vaccination is no longer required to board a plane, train or cruise ship when traveling within Canada. Generally it is not required to enter businesses or restaurants.
Each province or territory has the authority to require a proof of vaccination each situation. Check here to understand if proof is required in each province or territory.
Can I travel to Canada in November 2022? Can I travel to Canada this Winter?
Travel to Canada in November is possible for foreign travelers. Read on for details and check back for updates.
What is it like to fly to Canada right now? YYZ Toronto Pearson International Airport? YVR Vancouver International Airport? Masks are no longer required but still strongly recommended. The airports are using enhanced cleaning procedures and hand sanitizer is available throughout the terminals.
As of October 2022, all persons arriving in Canada will no longer be subject to randomized testing at airports.
Using ArriveCAN is now optional for travelers flying into Toronto, Vancouver or Montréal international airports to submit an Advance CBSA Declaration to save time upon arrival.
What is it like to drive into Canada right now? Travelers can enter Canada during open hours at land borders. Required documents must be shown at the border.
Do I have to quarantine when traveling to Canada? No. Quarantine upon arrival is no longer required in Canada. Persons who test positive for Covid in Canada are asked to quarantine. See above for details.
Does Canada check COVID-19 symptoms of incoming travelers? No. Health screening procedures are no longer required to enter Canada.
Does Canada require a negative Covid 19 test for travelers? No. Covid pre-entry tests and arrival tests are no longer required.
Does Canada require a proof of Coronavirus vaccine for travelers? No. Proof of vaccination is no longer required in Canada.
Do I still need to provide a negative Covid test or quarantine if I have been vaccinated? No. Travelers are no longer required to provide a negative Covid test or quarantine to enter Canada.
Is a booster shot required for travel to Canada? At this time, booster shots are not required in Canada. There is currently no expiration period set for the validity of vaccinations.
What Covid testing options are available for travelers in Canada?
U.S. citizens can obtain a COVID-19 test from provincial health authorities or private facilities in Canada.
The cost for private testing varies depending on the location and can exceed $300. Rapid tests for $60 with results in 30 minutes are available by appointment near Toronto Airport.
What healthcare options are available to travelers in Canada who get the virus? Canada hospitals and clinics are open. Canada’s universal healthcare does not pay for visitors.
Testing centers are also available for foreign visitors in some provinces and territories in Canada.
For travel insurance that covers Covid, check out Nomad Insurance by Safety Wing >
What service businesses and restaurants are open in Canada? Essential services, restaurants, bars, and retail shops are open in Canada. Some limitations, such as proof of vaccination requirement, may still be implemented in some provinces.
Are face masks required in Canada? Wearing of face masks is no longer required in Canada but still strongly recommended.
Are buses running in Canada? Public transportation is available throughout Canada.
Will Canada impose new Covid restrictions? What’s next is difficult to predict. Historically, most countries impose COVID-19 restrictions when strains on the health care system might become unsustainable. Canada has been relatively proactive and “strict” on preventive Covid measures.
How has the Coronavirus impacted Canada?
The coronavirus pandemic has caused a recession and increased unemployment in Canada. Tourism was hit especially hard.
Canada experienced a surge in cases with the Omicron variant. Many provinces reintroduced restrictions. As the situation came under control, Canada started easing travel restrictions.
As of October 2022, Canada ended all travel, testing, and border requirements and restrictions related to COVID-19.
Canada initially started reopening for tourism in summer 2021. As of September 2021, fully vaccinated foreign travelers have been allowed to visit the country without undergoing quarantine.
Canada began COVID-19 vaccination in December 2020. Currently, more than 3/4 of the total population has been fully vaccinated.
For the current situation in Canada, including: total COVID-19 positive cases; total cases in Canada; and COVID-19 testing in Canada, please see the Government of Canada website.
What should you pack for safely traveling in Canada?
Face Masks – Face coverings are strongly recommended in public places.
Find N95 masks at Bona Fide > or designer options at Vida >
Medicine – Bring enough prescription and over-the-counter medication for your entire trip to avoid trips to the clinic.
Vaccine Card Holder – Protect that paper CDC card when traveling abroad (if your country doesn’t offer a digital version).
Get a simple plastic protector > or Vegan leather clippable > or Leather passport + card combo holder >
Covid self-test – The most studied rapid antigen self-test with FDA emergency authorization. NOT valid to enter countries. Use for your own peace of mind.
Order from CVS > or Walmart >
Sealed water bottle – Make sure your reusable water bottle has a lid that’s not exposed to the air. We use one of each of the following:
Shop insulated water bottles with protective lid >
Shop water bottles with purification filter and protective lid >
✈️ Travel insurance that covers Covid – We’ve started using Nomad Insurance by Safety Wing for affordable evacuation, international medical, and trip coverage.
What do Canada locals and recent travelers say about visiting Canada now?
What is it like to visit Canada right now? It’s our goal to provide regular updates here from real people on the ground, to help potential visitors know what to expect.
The following are subjective opinions only. Official travel guidance can be found above.
September 2022 – Michelle, Intentional Travelers, US citizen: “We flew from the US to Canada for a conference in Montreal, Quebec. I submitted our ArriveCAN information a couple days before the flight using the website. It was pretty simple to input our passport number, vaccine dates, and upload a photo of our CDC vaccine cards. Then there was a form for trip details. There was a quick Covid self-assessment form asking about fever, cough, or difficulty breathing. Confirmation included a six-digit code and QR code that we printed and brought to the airport.
After all that, we had more online processes to complete for both airlines on our itinerary (United and Air Canada), including uploading our CDC vaccine cards again. Air Canada’s site did not accept our vaccine card image, but it wasn’t a problem, I guess because we had ArriveCAN done.
To board the flight from US to Canada, we only had to show our passport and ticket. On arrival in Montreal, we only ‘flashed’ our ArriveCAN confirmation to an agent on our way to the machines where we scanned our passports and completed immigration questionnaires, which included just one question about having any Covid symptoms, and took a picture. Arriving around midnight, the process took less than 15 minutes.
We were fortunate all our bags arrived. The baggage claim looked like a luggage graveyard with hundreds of unclaimed suitcases everywhere!”
May 2022 – Mayuri of Canada Crossroads, Canadian resident: “In my province (Alberta, home to the Canadian Rockies) domestic tourism has been flourishing. All the sightseeing spots are open, but some have restricted hours.
Since February (in Alberta, and from April nationwide) things are open, no restrictions in terms of social distancing, masking, access to medical care, restaurants, stores and hotels. In fact many airports are busier than usual (including the country’s busiest Toronto airport – just flew last week). I feel we need to be a little more prepared for summer tourism as many international visitors are wanting to explore Canada.”
March 9, 2022 – Samantha of Continuous Roamer, Canadian resident: “Domestic travel in Canada is straightforward since there are no extra requirements once you have entered the country. However, mask wearing is necessary and some provinces still require a vaccine passport.
The vaccine passport has been removed in Ontario in March. Capacity in Ontario restaurants is now at 100% so it is easier to get a table. Although, free antigen covid tests are extremely difficult to access at pharmacies in Ontario. British Columbia still requires the vaccine passport, therefore lines are longer to enter some establishments while your pass and ID are checked.”
January 20, 2022 – Haley Blackall Travel , Digital Nomad: “My partner and I visited family and worked online in Kelowna BC for 2.5 months from mid-November 2022 to end of January 2022. Tourism in this region of Canada is low, due to winter conditions especially for international visitors.
Make sure you have all the required documentation upon arrival, because airline personnel are doing proper checks. If you arrive in Canada from an international destination and are unvaccinated, there is a smooth running process for a mandatory Covid-19 test at the airport upon arrival, and the ArriveCAN app is easy to navigate in which the government keeps a close eye on contact tracing and quarantine requirements. Canadians have quick access to healthcare, including testing for antigen and PCR. After restaurants offering takeout and delivery services only at the beginning of the pandemic, dining in is becoming more popular. Besides the use of masks, life is getting back to normal in Canada.”
January 2022 – Mary from Brbymary, French traveler: “I flew to Vancouver for a week [from Ireland] to visit my partner’s family. Everything was well organised through ArriveCan app. Testing at the airport was easy although a bit behind and people respected rules in general.
Plan some additional time to do tests at the airport and to do tests on arrival even if you have an appointment.”
December 2021 – Federica of Globetrottoise, Canadian nomad: “I would say Canada is a pretty safe destination at the moment, especially outside the big cities. I’ve been road tripping around the Yukon, British Columbia and Alberta in the past few months and always felt safe and able to enjoy most attractions, from museums to national parks.
Canada is open to vaccinated travellers only and health regulations are in place in most public places. Masks are mandatory inside almost everywhere and in some provinces the access to cafes restaurants, movie theaters, libraries, etc is possible only with a valid proof of vaccination. Attractions are mostly open everywhere and access to covid testing is pretty easy (but quite pricey).”
November 12, 2021 – Nicole of Traveling BC, Canadian citizen: “While businesses are still operating under restrictions, in general, many rules have lifted and now it’s ‘full steam ahead’ in the tourism industry. Some touristy areas (the coasts and the Rockies) even became quite busy over the summer, since everyone wanted to go on a much-needed vacation. If you visit, you’ll have to show a negative COVID test and be required to wear a mask, socially distance, and show your vaccination passport!
Most people and businesses follow the restrictions and around 75% of people are fully vaccinated, although compliance with restrictions and vaccinations varies between provinces and cities. Accessing COVID testing is easy and quick, although you’ll have to pay for the test if you’re traveling. A lot of healthcare has moved to online appointments, and some hospitals are still overwhelmed in areas with lots of COVID cases. Businesses are open to tourists, but many operate under reduced hours, lower capacities and may have halted certain services/activities due to COVID. You will often have to book activities online or by phone, and make sure to wear a mask and bring proof of vaccination, or businesses will deny you entry.”
November 2021 – Chris, American digital nomad: “I flew to Newfoundland for one month in October and November of 2021. Everything seems to be open again, though every place where you would take off a mask (such as a restaurant) requires you to show proof of vaccination. People seem very respectful and friendly, happy to show you around.
There is voluntary contact tracing check-ins at a lot of locations. There don’t seem to be long lines anywhere. Testing is free and readily available.”
October 9, 2021 – Nicole, Go Far Grow Close, Vancouver BC, Canadian resident: “Visitors are very much welcome. There are strict regulations for visitors to enter Canada (fully vaccinated) so we know that they are as safe or safer than the locals. So long as they follow the rules – wear masks indoors – no one cares.
I feel that we are very travel ready in Canada. If you feel ill, there are free drive through covid testing sites. Hospitals are available. Local attractions, food services, and all amenities are open so long as you wear masks indoors (or when you get up in a restaurant), social distance and follow whatever other rules might be in place. Restaurants are still not at full capacity but getting there. Movie theatres are open. We eat out regularly, go to movies, and do not feel restricted.”
September 2021 – Kathy, American traveler: “We planned to spend two months in British Columbia, Canada. We had to show proof of vaccination and have a negative COVID test within 72 hours of crossing. We managed to get a test at a local CVS pharmacy (for free) and got our results in about 36 hours. Whew! There is another place to get a test in Seattle with guaranteed results but they cost $165 each. We also had to go to the website ArrivCan.com and answer questions and download our vaccine cards.
Finally, in the early morning hours of August 9th we arrived at the Canadian Border just south of Vancouver, BC at around 4:30 a.m. There were approximately 20 cars/trucks in two lines. Unfortunately, the line we picked took forever so when it finally turned 6:00 a.m. another agent opened a new gate and we were there and across the border in about 10 minutes.
We have now been in BC Canada for over a month. There are very few U.S. citizens here but lots of traveling Canadians. In fact, their COVID numbers have spiked so it is now a requirement to wear masks in stores/grocery stores and entering and leaving restaurants. No problem. We feel safe doing that and know that even though there is some resistance, most Canadians are fully vaccinated. In fact, as of August 13th restaurants and bars and other certain
businesses now require that people show proof of vaccination to enter. I am in complete support. We feel grateful we were able to spend some of our summer in this beautiful country.”
Planning a trip to Canada?
If you have questions or updates about travel to Canada during the Coronavirus crisis or post-pandemic, please let us know in the comments below.
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Please note, travel restrictions change frequently. Readers must take responsibility for verifying information through official sources like the State Department and CDC, in respect to their specific situations. No responsibility can be accepted by Intentional Travelers for action or inaction as a result of information provided through IntentionalTravelers.com. Any information provided here is issued as general information only.
Michelle and her husband quit their traditional jobs in 2011 to serve as Peace Corps Volunteers. They have been location-independent digital nomads since 2014, running a freelance web services business while they explore new places. She is author of the book, An Intentional Travelers Guide to Unconventional Budget Accommodations: Creative Ways to Save Money on Transformational Travel. Her writing has also been featured on International Living, Transitions Abroad, Small Planet Studio, The Art of Non-Conformity, and more.
Who may carry handguns in Canada?
In order to legally carry a handgun in Canada, individuals are required to get an ‘authorization to carry’ permit. Who is eligible?
Death of Alberta peace officer raises questions
- Under the Criminal Code, handguns require an “authorization to carry.”
- The number of “authorizations to carry” issued averages 8,169 per year.
- Most authorizations go to armoured car guards and people working in remote wilderness areas.
The death of an Alberta peace officer has once again led to questions about who should be allowed to carry handguns in Canada.
Rod Lazenby’s death on Aug. 10 led to charges of first degree murder against Trevor Kloschinsky.
On-duty police officers can carry handguns. But Lazenby, a retired Mountie who was working as a bylaw officer in the Foothills district, south of Calgary, was believed to be unarmed.
News reports said most Foothills district peace officers are armed only with pepper spray and a baton. But Lazenby was reported to be a level-two peace officer who did not even carry that equipment.
Since 2007, Canadian border guards have been carrying side arms. In fiscal year 2008-2009, border guards deployed a gun 34 times but none were actually fired, according to report obtained through an access to information request by the Canadian Press in 2009.
The Firearms Act and Regulations spells out who else in Canada can legally carry handguns. Under the Criminal Code, handguns are classified as either restricted firearms or prohibited firearms, which require an “authorization to carry.”
Two categories for handgun authorization
There are just two categories of individuals who are allowed an authorization to carry: those who require one because of their occupations and those who need one for the “protection of life.” They need to get an authorization from the chief firearms officer for their province or territory.
According to RCMP data the National Firearms Association received in response to a recent access to information request, the average number of authorizations to carry issued was 8,169 per year between 2005-2011. The report does not provide a breakdown on the reasons for authorization. The access request was for information on training in firearms proficiency.
The RCMP charged Trevor Kloschinsky, 46, with first-degree murder in the death of High River, Alta. peace officer Rod Lazenby on Aug. 10. Lazenby was not carrying a gun. (Courtesy of Stuart Gradon/Calgary Herald)
The occupation category includes armoured car guards who require firearms “for the purpose of protecting his or her life or the lives of other individuals.”
The actual wording in the act permits the carrying of handguns if “the individual’s principal activity is the handling, transportation or protection of cash, negotiable instruments or other goods of substantial value.”
If one’s life could be threatened by wild animals while working in a remote wilderness area and firearms are required for protection, then the act states that authorization is possible.
In 2002, 259 people who worked in remote wilderness were authorized to carry handguns, along with an additional 82 trappers.
Those numbers come from an access to information request by Conservative MP Garry Breitkreuz in 2006. As well, 5,831 armoured car guards had authorization.
Protection of life authorizations rare
Very few authorizations are made under the protection of life category. These would mostly include cases where there is an active police file and a verifiable threat as well as police confirmation that they cannot provide adequate protection for that person.
Section 117 of the Criminal Code of Canada exempts on-duty police officers, members of the Canadian Forces, peace officers and persons training to be become police or peace officers from the restrictions on carrying handguns.
There are also provincial regulations that cover who may or may not legally carry a handgun. For example, Alberta regulations set out two levels of peace officers, with different weapons authorizations.
There are also laws and regulations that apply to shooting ranges, guns shows and transporting handguns to them.
A short guide for American citizens banking in Canada
A short guide for American citizens banking in Canada
Whether you’re an American going north of the border to study, work, or migrate, or an entrepreneur in the United States with some business transactions in Canada, you will find it convenient to have a Canadian bank account.
Although not required by law, having a Canadian bank account if you’re to work in Canada is a smart move. That’s because a bank account is crucial for processing your local bills and payments as well as in establishing your credit history. Another reason is that most employers would want you to have one to make it convenient for them to process your salary and pay taxes. If you’ll be working there, it will be your obligation to pay taxes. Although if you don’t have a Canadian bank account, you can also pay your taxes through wire transfer to the Canada Revenue Agency. You can also make this payment using an internationally-issued credit card via a third-party service.
If you’re staying put in the US with business transactions receiving payments from or sending payments to Canada, opening a Canadian bank account would also come in handy to cut down on expensive conversion fees and other transaction costs.
By sorting out your finances first, everything will be in place upon your arrival or when you need to make transactions there. To help you do that, here’s your guide to banking in Canada.
Can an American citizen open a bank account in Canada?
Yes. If you’re not a Canadian citizen or not residing in Canada, it is possible to open a bank account provided that you can present the required documents for identification which will be discussed shortly.
People in Canada, have the right to open a bank account even if they:
- Are unemployed
- Don’t have money to immediately deposit into the account
- Have been bankrupt.
How to Open a Canadian Bank Account
Most banks in Canada will typically require you to personally go to the bank for you to open an account. Different banks may have varying specific requirements that’s why calling the bank and asking what they require before going there would be a good idea.
Typically, banks will require the following information and documents:
- Your immigration papers (or permanent residency card if you have one)
- Your valid passport and/or driver’s license
- Proof of address
- Your Social Insurance Number (SIN)
Majority of financial institutions may accept these immigration documents:
- Work or study permit
- Temporary Residence Permit
- Confirmation of Permanent Residence
Which Banks Don’t Require SIN?
The Income Tax Act requires banks to report interest income to the Canadian government. That’s why if you’re opening an account that earns interest, the bank will require you to provide your Social Insurance Number (SIN). If you don’t have a SIN yet, you may consider a non-interest bearing account. Most banks don’t require a SIN to open accounts of this type.
Listed below are some of the Canadian banks where you can open an account without a SIN:
- Canadian Imperial Bank of Commerce (CIBC)
- National Bank of Canada
- Royal Bank of Canada (RBC)
- Scotia Bank
- Toronto-Dominion Bank (TD Bank)
Can I Open a Canadian Bank Account from the US?
Yes, it is possible.
Typically, most banks in Canada will require you to make a personal appearance for you to open a bank account. However, opening a Canadian bank account without leaving American soil is still possible, although it may not be as easy as when there is face-to-face interaction, and the process will take a number of days. You have three options to make this happen:
1. Find out if your American bank has branches or affiliations with Canadian banks. If they do, ask them if it’s possible for you to open a Canadian bank account in the US through them. Most likely, they may have a process for opening cross-border accounts. Prepare your immigration details (study or work permit) as these will be required to proceed with the process.
Below are some of the banks with branches in both the US and Canada:
Take note though that these accounts may require prohibitive minimum opening deposits or maintaining balances. They can also charge significant account maintenance fees.
2. Another option would be opening an international bank account, which could be an easier process. International bank accounts will come in handy for managing your money and for minimizing banking costs.
3. Your third option would be opening a virtual bank account. This is ideal if you’re not really planning to move to Canada and therefore have no immigration papers to show for. You just need a bank account where you can receive payments from your Canadian clients, send payments to your Canadian suppliers, and other cross-border transactions. With a virtual bank account, you can save on banking costs.
Best Banks in Canada
While there are various smaller local banks in Canada, banking with one of the major banks may be more beneficial as they provide better account-opening offers and customer support, flexibility, ease and efficiency, not to mention extensive coverage of locations with branches across the country. The following are the “Big Five”:
- The Royal Bank of Canada (RBC) –The largest bank in Canada in terms of capitalization (C$150.35 billion as of early 2020) and net revenue (C$12.431 billion in 2018), RBC has over 1300 branches. As mentioned earlier, it’s one of the banks where you may open a bank account without a SIN. Also, RBC offers a Newcomer’s Package to help you adjust to Canadian living.
- Toronto-Dominion (TD) Bank – The Canadian bank with the most assets (C$1.4 trillion as of July 2019), TD has over 1,100 branches in Canada and over 1200 branches in eastern US. It’s another bank where you can open an account without a SIN. TD requires American citizens applying for a bank account in person a driver’s license and US passport. To eliminate waiting time, you can set an appointment for your visit at the branch over the phone. You can open accounts in US or Canadian dollars. TD Canada Trust clients can withdraw from TD Bank ATMs in the US free of charge.
- Bank of Nova Scotia – With more than 1,000 branches all over Canada, this third largest chartered bank is a publicly listed company that trades on both Toronto and New York Stock Exchanges. Scotiabank also offers accounts that do not require SIN upon opening.
- Bank of Montreal –The fourth largest bank in Canada and one of the top ten in North America, BMO is also the oldest Canadian bank. It has over 900 branches in Canada and substantial operations in the Chicago area and other parts of the US. It is also listed in both the Toronto and New York Stock Exchanges for trading.
- Canadian Imperial Bank of Commerce – With over 1,100 branches in Canada, CIBC is the fifth largest bank in Canada. It welcomes Americans who are nonresidents of Canada to open an account in person. CIBC requires two identification documents: a US passport and a driver’s license. If you’re not really planning to stay north of the border but may have some transactions there, you may want to consider opening an account with CIBC US which offers cross-border banking services to clients with North American operations.
Keep in mind that monthly fees may be charged for having a Canadian bank account if you’re not a student.
Rules for US Citizens Opening a Canadian Bank Account
Americans opening a bank account in Canada or in any other foreign country are required to disclose it to the federal government depending on how much balance you have in your accounts. In general, American citizens having a balance of $10,000 or more in foreign banks are required to submit a Report of Foreign Bank and Financial Accounts (FBAR form) each year. This is filed to the Financial Crimes Enforcement Network (FinCEN), a bureau of the Treasury Department responsible for the war against money laundering.
Depending on your tax filing status, if you have $50,000 or more, you’re required to report your foreign accounts on Form 8938 and file it to the IRS using their federal tax return. (Filing both forms may be required for some taxpayers). Hefty penalties await those who fail to file the required forms.
Some Differences in Banking Between the US and Canada
In many respects, the Canadian and American banking sectors are related, but they also differ in many ways including ways of doing business.
History paints the Canadian banking landscape with bias for a limited number of banks (85 banks), but with many branches. Influenced by the British way of banking, it puts emphasis on stability over experimentation. In contrast, the American banking scene with nearly 5,000 banks, veers toward localization and decentralization, and is more receptive to experimentation. Thriving in trial-and-error, it became the largest banking system in the world.
While the Canadian banking system gravitates toward safety and soundness, the banking system in the US revolves around anti-money laundering, banking access, consumer protection measures, and privacy.
Methods of Payment
Credit card rewards and similar promotions are not as attractive to Canadians than they are to Americans. While Americans are used to paying with plastic, Canadians’ favorite mode of payment is through Interac e-Transfer. They send payments using the recipient’s email or phone number, this way there’s no need to divulge their account details.
While American banks use bank account numbers, Canadian banks use client card numbers, which is actually your debit card number.
Whereas the Federal Depository Insurance Corporation (FDIC) insures US bank accounts for $250,000 per account, the Canadian Depository Insurance Corporation (CDIC) only underwrites each account by $100,000.
Whether you’re moving north of the border permanently, semi-permanently or actually not setting foot on Canadian soil but just conducting cross-border transactions with your neighbors up north, there are several options for Americans on how you carry out your banking transactions in Canada.
Now that you’re familiar with the different ways of banking in Canada, you can now make an informed choice on how to do your banking in Canada or choose B2B Pay’s Virtual Bank Account Alternative.