This might seem pretty obvious but believe it or not, I didn't actually think of this until just recently. I noticed that paypal has their OWN currency exchange rates and is always much worse than the actual exchange rate or most banks. For example, currently Paypal gives about 1.30 - 1.31 cdn dollars for everyone 1 US dollar. The actual rate is more at 1.36 - 1.37. So paypal is obviously doing this to profit off our withdrawals that require currency exchange. My question is, is it wise to try and wait and check daily when the rates are best to withdraw from paypal to my cdn bank account or is it so insignificant that I shouldn't really bother? I noticed it's just like the stock market. If I wait tomorrow or next week, the rate might be better (1.325) instead of today's rate (1.307), and I could make an extra few bucks! But I could also risk losing money if the rates keep going down (say 1.29 or 1.28) and then I lose some. How or when do you know is the best time to withdraw funds from paypal to the bank account?