The exchange rate used is the real time market rate. Exchange rates are updated live between 7:30 AM and 5 PM on business days.
When the markets are closed (before 7:30 AM and after 5 PM on business days and on Saturdays, Sundays and holidays), Desjardins Group's Treasury increases the spread between the current buying and selling rates. The spread is readjusted once the
markets open.