Canada

Widely different income levels in Canada mean you can find accommodation, food and entertainment to suit any budget. In general the three northern territories are the costliest, followed by Ontario, Alberta and British Columbia. Manitoba, Saskatchewan, Québec and Atlantic Canada will put the least pressure on your wallet. For most visitors, the largest expense will be accommodation. Food prices are generally much lower than those in Western Europe, but are a little higher than those in the USA. If you stay in budget accommodation and eat in cafes, expect to spend around US$45 a day, not including long-distance transport. If you stay in motels and eat at restaurants occasionally, you're looking at around US$80 a day.

It's best to change money at companies such as Thomas Cook, which specializes in international transactions. If you can't find a money exchange office or booth, try a bank. American Express and Thomas Cook are the best travelers' checks to have, and you should make sure they are either in US or Canadian dollar denominations. Credit cards are widely accepted, especially Visa, MasterCard and American Express. ABMs (ATMs) are common throughout Canada, with the Interac system the quickest and most convenient way to replenish cash.

A 7% Goods & Services Tax (GST) is applicable to all transport, accommodation, restaurant meals and just about anything else you're likely to purchase, including newspapers. On top of this, in most of Canada, a provincial sales tax also must be paid. This can, in some provinces, add 15% to the quoted price, so factor it into your expenses so you don't get a nasty surprise at the cash register.

It's considered normal to tip 10-15% of the bill. Tips are usually given to waiters, cab drivers, hairdressers, hotel attendants and, by savvy drinkers, bar staff.

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