Ouch, I have money going through ePass just so I don't get the double currency exchange hit converting from US$ to CDN$ to US$.
Most of my expenses are in US$ and of course the banks never lose on exchange, so it works out to about a 4-5% double hit each time.
Plus, CDN credit cards like throwing in "
foreign transaction" fees on top when I do US$ purchases.
When I went to use the Royal Bank of St. Kitts about 25 yrs. ago, there was a sign on the window "gone fishing, back tomorrow". 