While you don't strictly need Canadian Dollars (CAD) at the Canadian side of Niagara Falls in 2026, it is highly beneficial to have some or use a No-Foreign-Transaction-Fee credit card. Most major attractions, hotels, and restaurants in the tourist district will accept U.S. Dollars (USD), but they often use their own "in-house" exchange rates which are unfavorable to the traveler. You might end up paying 10% to 20% more if you pay in USD cash. Furthermore, if you pay in USD cash, your change will almost certainly be returned in Canadian coins and bills. For the best experience, use a mobile wallet (Apple/Google Pay) or a credit card, which will automatically handle the conversion at the mid-market rate. If you plan to visit smaller local shops or use public transit like the WEGO bus, having a small amount of Canadian cash is useful. Essentially, while USD is "accepted," it is the most expensive way to pay for your trip to the falls.