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Navigating Finances as an International Student in Ontario

Where to get foreign exchange (FX) as an international student?

As an international student, you can obtain foreign exchange (FX) from a variety of locations:

 Major banks such as Scotiabank and RBC offer reliable FX services. They provide a secure way to exchange money however the rates might not always be competitive, and inventory may vary.

 visit your nearest currency exchange company – places like Continental Currency Exchange (CCE) offer the best possible rate. They will guarantee you a better rate then the bank.

 platforms such as Wise and Revolut provide customers with a convenient way to complete online transactions.

 some universities provide FX services through their international student office – check with your school to see if they recommend or provide services to convert currency.

It is important to familiarize yourself with the varying exchange rates and fees that different companies and institutions charge. Doing a little research will provide you with the most cost-effective solution.

What information do I need from my school to pay tuition?

When paying tuition, it is important to ensure that you have all the proper information from your institution and bank. Before making a payment, make sure you have:

 your unique identifier to attribute your payment.

 the amount due with a breakdown of costs.

 determine what is accepted (bank transfer, credit card, etc.)

 bank account and wire information for the school’s wire transfer. This usually requires the institution number, transit number, and account number.

 important dates to avoid late fees and additional charges.

This information is normally found on your school’s student portal or financial office. Always double check the details and ensure you have everything that is needed.

How can I send and receive money with my family back home?

 major banks offer international wire transfers but like currency exchange may charge higher fees.

visit your nearest currency exchange company – CCE also offers international wire transfer with low fees. We use advanced procedures to allow funds to be sent and received faster.

 platforms such as Wise, Revolut, PayPal and MoneyGram offer services to send and receive money abroad. These are known for completing transfers within minutes.

 Western Union allows quick and easy cash pickups. It is useful if your family members need to receive direct cash.

Like buying currency, it is important to familiarize yourself with the varying fees and ensure you are using a cost-effective method. Comparing these options will provide you with the best price.

Visit any of our 19 branches across Ontario to convert and send your money at the best possible rate! We guarantee we'll beat the banks, online services, and other companies. Visit a Continental Currency Exchange branch and our expert services will manage your finances efficiently.

To find out more about what is required to send a wire transfer visit our 

FX101 - Foreign Exchange for International Students

Important Tips for Travelling to Europe: A Financial Guide

Travelling to Europe can be very exciting, however it is very important to navigate your finances with a variety of currencies during your trip. Whether you are going on vacation or a business trip, it is essential to manage your money. Here are some tips to keep in mind to ensure your trip goes smoothly.

Are credit and debit cards accepted across Europe?

In most European countries, credit and debit cards are widely accepted, especially in popular tourist destinations. It is important to note, however, that smaller shops like cafes typically prefer cash. It is always a good idea to carry small amounts of local currency on hand for these occasions. The two most accepted cards internationally are Visa and MasterCard, which makes it important to notify your bank of your travel plans to avoid cards being flagged.

Should I exchange currency before or after leaving for my trip?

Exchanging currency before you leave for your trip is a great idea. It is important to do research on where the best exchange rates are, as airports typically offer less favorable rates than ATM’s or banks. The best rates will of course be found at Continental Currency Exchange.  As well, debit and credit cards may charge additional fees for international purchases. Make sure you know exactly where all your money is going. If you are in Ontario, visit any of Continental Currency Exchange’s 19 branches for the most favorable exchange rate. We will guarantee to beat the bank! 

What currencies are used in different European countries

The euro (€) is the official currency in 20 of the 27 European Union countries. However, there are still many countries that use their own currency. It is essential to research the currencies of the specific countries you plan to visit. Here is a quick rundown:

Euro (€): Used in countries like France, Germany, Italy, Spain, and the Netherlands.

British Pound (£): Used in the United Kingdom.

Swiss Franc (CHF): Used in Switzerland and Liechtenstein.

Every currency has its own exchange rate, so ensure to check the rates before you travel!

These important financial trips for travel in Europe emphasize that preparation is key before travelling abroad. Understanding local customs regarding currency and card payments, familiarizing yourself with the several currencies, and planning these exchanges wisely will allow you to have a very enjoyable trip. For the best exchange rates and convenience, consider using a trusted currency exchange service like Continental Currency Exchange. Safe travels!

Everything you need to know about currency when travelling in Europe

What happens if a Canadian stays in the USA longer than 6 months?

The United States has always been an attractive destination to Canadians looking for warmer climates and career opportunities. However, many are unaware of the implications of staying in the country for longer than 6 months. This blog article will outline the key considerations Canadians are considering when extending their stay south of the border.

In most cases, Canadian citizens do not require a visa to enter the United States if it is for less than 6 months. You must declare how long you intend to stay in the country when you cross the border.

If you wish to extend your stay beyond six months, you need to apply for an extension at the nearest U.S. Citizenship and Immigration Services (USCIS) (

) office before your declared stay expires. This process can include demonstrating that you are a temporary visitor of the country

 which is available on the USCIC website. This is used by certain nonimmigrants to extend their stay or change to another nonimmigrant status. Failure to follow proper procedures can result in serious consequences such as detention or deportation.

Many people wonder if they must pay tax while travelling abroad. The Internal Revenue Service (IRS) has specific guidelines in place that Canadians must comply with, especially if you have been approved to visit for longer. It is important to determine your liability to taxation before entering the country (

https://ca.usembassy.gov/visas/do-i-need-a-visa/

Most states will consider you a resident for tax purposes if you spend more than 183 days (6 months) in that state

Healthcare is another critical factor to consider. Canadian provincial health limits the amount of time you can maintain coverage while out of the country

For instance, Ontario’s OHIP requires you to be physically in the province for 153 days in any 12-month period to meet the minimum qualifications. As well, you must make Ontario your primary residence and be physically in the province for at least 153 (5 months) days of the first 183 days (6 months) you began living in the province(https://www.ontario.ca/page/apply-ohip-and-get-health-card)

Given the high cost of medical care in the U.S., researching travel insurance for extending stays is highly recommended. If you have extended benefits through your employer you may already have coverage, some credit cards also come with protection for travelers. 

How long after I return from USA can I go back?

Although there is no set period you must wait before re-entering the U.S., frequent visits can raise suspicions with CBP officers. If this happens, it is your responsibility to demonstrate you are not a U.S. resident and maintain strong ties to Canada.

Where can I convert my Canadian dollars (CAD) to U.S. dollars (USD)?

Visit any of our 19 branches across Ontario to purchase your USD for your next trip across the border. With all denominations available and the ability to 

 you can let Your Foreign Exchange Experts help you take more of your money with you. Visit Continental Currency Exchange today!

How long can a Canadian Stay in The USA?

Foreign Currency Donations provide $50K in charity support

Perspective from over 30 years of fund-raising experience

I remember the day very well. An “Unknown” person was calling and I don’t usually answer these types of calls. But on this day, I thought – this may be really important. Little did I know that the phone conversation on the shoulder of the Hwy. 412 would lead to the start of an amazing and innovative fund-raising opportunity for charities.

The call was with the owner of Continental Currency Exchange (CCE). The CCE Sudbury Branch Manager had spoken to the CCE Management Team about how to handle leftover foreign coins or bank notes that were not redeemable by the currency exchange. It is a little-known fact that the leftover currency could be repatriated and the currency could be put to great use in support of charities. Noting that there is approximately 

$1 Billion in leftover Foreign Currency in Ontario

. Subsequent to this conversation, it was determined that many of the CCE branches had collected leftover coins and banknotes that were in storage.

As many know, when returning from a vacation or business trip via your favourite airline, the hosts of the flight often ask travelers to donate their leftover currency. Well, could we start a similar program for donations “on the ground”?The collection of Foreign Currency has been a common means of fundraising in the UK, Australia, and New Zealand for many years. In fact, one Service Club use the collection of foreign currency as their sole fund-raising activity while donating funds to multiple charities in their community.

Through efforts of a national charity and the 

, Canada’s first “on the ground” foreign currency collection program was born. Collectors were put in place at all of the CCE locations and the response was amazing. People began bringing their leftover foreign currency to the 

 and the coins and banknotes were adding up. The program has continued to grow over the years. In a short period over $20,000 was generated to assist children and adults who live with disabilities. In 2022, a new program was developed, and 

 began to collect Foreign Currency in support of children, youth, and families throughout Ontario.

Through the dedication and support of the great CCE staff, 

over $50,000 has been raised through donations 

of leftover Foreign Currency. Donations are still arriving daily in support of Currency for Kids.

Canadians are currently hoarding over $2 Billion in Foreign Currency and the flow of Foreign Currency coming into Canada continues every day. Your gift of Foreign Currency can provide the Gift of Hope to children, youth, seniors, families, and newcomers to Canada. Imagine how much assistance would be provided if everyone donated their leftover Foreign Currency.

Think about it… if you don’t donate the currency, you have stored away in a box, bag, tea cup, vase 😊, desk drawer, etc. what will you do with it?

There is a lot of available money (banknotes and coins) that has no real purpose or use at this time. Even currencies that are now out of circulation can be donated and proceeds will assist Currency for Kids. 

 regardless of the country of origin, denomination, amount, or age.

Donations are accepted at any CCE location or reach out to the team at 

 (GCS) and we’ll ensure that your donation is processed and the funds are provided to support Currency for Kids.

The owners and staff at Continental Currency Exchange are to be applauded for their support of this innovative fund-raising program for charities. You can help to 

start changing the world, one cent at a time by dropping off your donation of leftover Foreign Currency to any 

Dennis Ullman, Vice-President (Volunteer)

 – Innovation and Development, Global Coin Solutions.

GCS is celebrating 9 years of supporting charities throughout North America.

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Everything you need to know about currency when travelling in Europe

How long can a Canadian Stay in The USA?

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