Tipping In Canada: A Guide to Canadian Tipping Customs

One aspect of the travel experience that often surprises travelers is the local attitude toward tipping. In some countries, it's an everyday practice, while in others, it's a cultural faux pas. Then there are those countries where tipping falls somewhere in between, leaving you wondering what's expected.

In this guide, we'll walk you through the tipping etiquette of Canada to help you navigate your visit smoothly. Additionally, we'll offer valuable tips on how to get CAD in cash in Canada, so you can focus on soaking up the sights, sounds, and flavors without the stress of financial hiccups.

Is Tipping Expected in Canada?

Tipping in Canada is expected in many businesses and institutions, but is not as entrenched as it is in the United States. While the amount of gratuity you add will vary by the service, prepare to tip from 10% to 20%.

Tipping in Restaurants, Bars, and Cafes

When dining out in Canada, it is acceptable to tip 10% of the bill. If you enjoyed excellent service, consider tipping 15% to 20%.

When visiting bars and cafes, rounding up the bill is a nice gesture. If you're on a night out to a nice bar, consider a 10% tip or more for the bartender and the service.

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Do You Tip Hotel Staff in Canada?

For hotel staff in Canada, tipping is expected by service staff. As a suggestion, you should tip porters $1 to $2 CAD per bag, valets $5 for parking, and housekeepers $5 per day.

Tipping Taxis and Tour Guides in Canada

For taxi drivers in Canada, tipping is common. Rideshare services, which allow you to leave tips within your smartphone app, have come to dominate this industry. You can follow the on-screen suggestions, although the 10% is a local benchmark (especially if the driver helps you with your luggage).

Tour guides in Canada may expect a small tip for walking tours, especially if the tour was informative and enjoyable. A 10% tip is a good rule of thumb. For private tours and tours with drivers, consider tipping 20%.

Practical Tips for Tipping in Canada

By following these tips, you'll optimize your cash transactions in Canada, minimize fees, and enjoy a smoother travel experience:

1. Withdraw Cash With a Travel Debit Card: Choose a travel debit card without international transaction fees that allows you to hold local currency and withdraw cash like a local. These cards typically offer fee-free ATM withdrawal allowances, making them a convenient and cost-effective option for accessing cash while traveling in Canada.
2. Stay Within Fee-Free Allowances: Many travel debit cards provide fee-free ATM withdrawal allowances per month. To avoid additional fees, try to stay within this allowance when withdrawing cash.
3. Opt for Local Currency Transactions: When making purchases or withdrawing cash in Canada, you'll be prompted to pay in CAD or your home currency. Always choose to pay in the local currency (CAD) rather than your home currency to avoid dynamic currency conversion (DCC) fees. DCC will result in terrible exchange rates and additional charges, so opting for local currency transactions ensures you get the best exchange rate.
4. Avoid Credit Card Cash Advances: Steer clear of using credit cards for cash withdrawals, as they incur cash advance fees and higher interest rates (APR). Cash advance APR is also higher than purchase APR.

Recommended Travel Cards for Fee-Free Cash Withdrawals Abroad

Compare the best travel debit cards without international transaction fees for your trip to Canada:

Wise Multi-Currency Account

With the Wise Account, convert currency at the mid-market exchange rate. Spend, hold, and convert between dozens of currencies with your debit card and never be asked to do a dynamic currency conversion. The only fees that they charge you for using ATMs abroad will come at 1.75% per withdrawal — and only after you've exceeded your $100 monthly withdrawal limit.

The Wise Account is available in the US, Canada, EU/EEA, the UK, Japan, Australia, New Zealand, and several other countries and territories.

N26

Available for EU and EEA residents to open, an N26 account will never charge foreign transaction fees. All Euro ATM withdrawals are fee-free, giving you free rein to travel the Eurozone. Outside of the Eurozone, ATM withdrawals cost 1.7% per withdrawal.

Starling Bank

The Starling Bank card is an excellent option in the UK for foreign travel. In addition to no foreign transaction fees, Starling Bank does not charge foreign ATM withdrawal fees. You might only be charged a third-party fee, just as you would in the UK.