Most establishments in Niagara Falls Canada take or accept American money and American debit and credit cards. However, it is best to change your American currency to the Canadian dollar to get a better exchange rate. US currency is accepted at most hotels, attractions and restaurants in Niagara Falls Canada.

While many tourist-facing businesses in Niagara Falls, Ontario, will accept U.S. Dollars (USD), it is generally highly recommended to use Canadian Dollars (CAD) for your trip. When you pay with USD at local shops, restaurants, or attractions, the merchant will typically apply their own internal exchange rate, which is almost always less favorable than the official market rate. Furthermore, you will almost always receive your change in Canadian currency, which can make it difficult to track exactly how much you are spending. In 2026, the most efficient and cost-effective way to pay is by using a contactless credit or debit card that has no foreign transaction fees. Most kiosks for the "Hornblower" boat tour, the "Journey Behind the Falls," and the WEGO bus system are fully optimized for digital payments. Using a card ensures you get the real-time bank exchange rate without the hassle of carrying large amounts of cash. However, if you plan to visit smaller local markets, tip tour guides, or use coin-operated machines, having a small amount of CAD cash is helpful. If you must exchange money, avoid the kiosks directly in the tourist district near Clifton Hill, as they offer some of the worst rates in the city.