Spending across USD, CAD, MXN during the 2026 World Cup

Fans attending the 2026 World Cup across the United States, Canada and Mexico will spend in three currencies. The default bank card charges 2 to 4 percent FX on every transaction. Over a 4-week trip across all three host countries that compounds into real money. ## The clean stack A Wise multi-currency account holds balances in USD, CAD and MXN. Top up before each border. Spend with the debit card from the matching currency wallet, mid-market FX, no markup. ATM withdrawals up to the monthly free cap, then small per-withdrawal fee. ## How to budget per country US host cities (11 of 16): expect 200 to 400 USD per day during tournament weeks, more in NYC and Miami. Canadian host cities (Toronto, Vancouver): expect 250 to 400 CAD per day. Mexican host cities (Guadalajara, Mexico City, Monterrey): expect 1,500 to 3,000 MXN per day (roughly 80 to 175 USD). ## ATM strategy Use ATMs only when necessary. The free monthly cap covers light cash use; beyond it the per-withdrawal fee plus local ATM operator fee adds up. Pay by card wherever possible, including small Mexican vendors who now widely accept tap. ## Decline DCC Some merchants offer to charge you in your home currency (Dynamic Currency Conversion). Always decline. Pay in the local currency; your card converts at mid-market rate. DCC adds 3 to 7 percent on top. ## Pre-authorisation holds Hotels and rental cars pre-authorise a deposit that holds for 7 to 14 days. Plan for the hold to tie up some balance during your trip. Wise releases the hold automatically when the merchant clears the actual charge. ## Stadium and venue payments All three host countries' venues accept contactless card globally. Cash is rarely needed inside stadiums. For street vendors and small restaurants near venues, small amounts of local currency are still useful.