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This is the most common type of foreign exchange transaction. It is based on the day’s rate, and settlement must occur within two business days of the transaction.


  • Exchange can be settled by phone on the same day if the spot transaction is made before 10 a.m.
  • Great rates and quick settlement
  • For non-clients of Laurentian Bank: settlements can be carried out by debiting a current account, electronic transfer or bank draft