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Q: Will my bank machine (ATM) card work in Canada?
A: It will if your bank is on the Plus or Cirrus networks.
Almost all Canadian financial institutions have automatic teller machines (ATMs), and you'll also find ATMs located in large and small shopping centers, airports, train stations, and even many gas stations and corner stores.
 
Canadian financial institutions include banks, credit unions, and trust companies. Each institution has a brand name for its ATM service, such as Instabank, Instant Teller, Cashstop, Green Machine, and so on.
 
You may hear about 'Interac'; this is the Canadian domestic network for interbank electronic funds transfers, which all Canadian banks are a member of. It does not operate internationally and is of no use to visitors from outside the country. Some bank staff are not familiar with international services and will talk only about Interac since it's all they know.
 
There are two international networks operating in Canada: the Plus Network (allied with the Visa credit card) and Cirrus (allied with MasterCard). All Canadian financial institutions are members of one or the other; the Bank of Montreal and Royal Bank are members of both. Check with your home bank before you leave and find out which network (if any) your card will operate on. Your bank should have a book it can give you which lists banks and bank machine locations worldwide on the network which it is a member of.
 
PLUS network members in Canada include: Bank of Montreal, Bank of Nova Scotia (Scotiabank), Canada Trust, Canadian Imperial Bank of Commerce (CIBC), Laurentian Bank, Royal Bank, Toronto-Dominion (TD) Bank, and caisses populaires (francophone credit unions).
 
CIRRUS network members in Canada include: Bank of Montreal, Credit Unions, National Bank, National Trust, and Royal Bank.
 
Most of these institutions are major national organizations with branches across the country. In Quebec the most common financial institutions are the caisses populaires (credit unions).
Other banks, trust companies, and credit unions may or may not be members of these networks.
 
You can look up ATM locations online: MasterCard and Cirrus ATMs, VISA and Plus ATMs.
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59 ¿¹¼öÀüµµ´Ü È­¿ä¸ðÀÓ - ¾Æ¸§´Ù¿îÁÖÀÇ»ç¶û(¿µ»ó) Áö·¯À¯ 04-13 6892
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56 µð»çÀÌÇýº ¸ð¾î¸ð¾î¸ð¾î Áö·¯À¯ 04-11 6592
55 »ç¶ûÇÏ´Â ±è¼±¿µ »ýÀÏÃàÇÏÇØ (2)  Áö·¯À¯ 03-22 3992
54 °¢Á¾¿µ¹®Ç¥±â Áö·¯À¯ 03-15 8995
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46 [°Ç°­] ÇØ¿Ü¿©Çà ½ÃÂ÷ÀûÀÀ°ú ºÒ¸éÁõ (1)  Áö·¯À¯ 03-02 5696
45 ¾¾·¯½º ATM±â »ç¿ë¹æ¹ý Áö·¯À¯ 02-26 4469
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