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To estimate U.S. dollars from Canadian dollars, multiply the CAD amount by the CAD-to-USD exchange rate. For example, at the Forbes Advisor rate timestamped September 16, 2026, 11:17 UTC, 100 CAD converts to 71.7875 USD before transaction spreads or fees. That dated reference rate is not a live quote for October 4, 2026, or a promise of what a provider will deliver.
How to convert CAD to USD
- Find the CAD-to-USD rate. The quoted rate tells you how many U.S. dollars correspond to one Canadian dollar. Check its date and time because exchange rates change.
- Multiply your CAD amount by the rate. For example, using 0.717875 USD per CAD: 100 CAD × 0.717875 = 71.7875 USD.
- Account for the transaction terms. A bank, card network, currency exchange service, or transfer provider may use a different rate and charge fees. The amount delivered can therefore differ from the calculation.
Forbes Advisor’s converter displayed 1 CAD = 0.717875 USD at September 16, 2026, 11:17 UTC, along with the inverse quote, 1 USD = 1.393000174 CAD. The timestamp matters: this is a dated example, not a current October 4 rate. View the Forbes Advisor CAD-to-USD converter.
What the Bank of Canada’s reference rate says
The Bank of Canada’s daily-rate page showed data through October 2, 2026, including 1 USD = 1.4246 CAD for that date. Reversing that quote gives approximately 0.7020 USD per CAD. This is an arithmetic reciprocal of the Bank’s published USD-to-CAD value, not a separately published CAD-to-USD quote. See the Bank of Canada’s daily exchange rates.
The Bank says its exchange rates are indicative and are derived from aggregated quotes from financial institutions. They are intended for statistical, analytical, and informational use—not as transaction benchmarks. Its backgrounder describes indicative mid-market quotes collected each minute from 8:00 to 16:00 ET on business days. For each currency pair, the methodology describes 480 observations over that window, with the highest and lowest 2.5% removed before calculating the average. Daily averages are generally published by 16:30 ET on business days, subject to delays. Read the Bank of Canada’s explanation of its daily exchange rates.
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Why your actual conversion may differ
A reference exchange rate is not necessarily the rate available to you when exchanging or sending money. Providers may apply a spread—the difference between the reference rate and the rate offered to customers—and may charge separate fees. Payment method and timing can also affect which option is available or what it costs.
To compare providers for the same CAD amount, payment method, and destination, look at:
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- the exchange rate offered for your specific transaction;
- any explicit transfer, conversion, or other fees; and
- the net USD amount the recipient will receive.
Comparing only a headline rate can be misleading if fees or the final delivered amount differ. Neither the Forbes Advisor figure nor the Bank of Canada’s daily average establishes a provider’s executable quote for your transaction.
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