How to Use the TTC Like a Pro (and Save)

Published on June 20, 2025

by Annie Driver

The Toronto Transit Commission (TTC) is the lifeline of Canada’s largest city, offering extensive subway, streetcar, and bus services throughout Toronto. For budget travelers, the TTC is an efficient and affordable way to explore the city without relying on taxis or rideshares. However, navigating the system effectively—and saving money while doing so—requires a bit of local know-how.

This guide outlines the essential steps to using the TTC like a seasoned local. From fare hacks to transfer rules, you’ll discover how to ride with confidence and make the most of Toronto’s public transportation network on a budget.

How to Use the TTC Like a Pro (and Save)

Follow these practical steps to master the TTC system, reduce transit costs, and enjoy smooth, budget-friendly travel throughout Toronto.

Step 1: Get a PRESTO Card

The PRESTO card is the most convenient and cost-effective way to pay for TTC rides. It offers discounted fares, easy reloading, and seamless transfers.

Buy a card for CAD $6 at subway stations, Shoppers Drug Mart, or online
Load funds online, at kiosks, or via the PRESTO app
Fares: CAD $3.30 with PRESTO vs. $3.35 cash
Automatically transfers to GO Transit, UP Express, and other regional transit
Register the card online to recover it if lost
Set up auto-reload to avoid balance issues
Some stations have fare vending machines for fast reloads

Step 2: Understand the Transfer System

The TTC allows riders to transfer between subways, buses, and streetcars within a 2-hour window of first tapping on—at no extra charge.

Transfers are automatic with PRESTO; keep your card handy
You can travel in any direction within the 2-hour window
Tap once and take multiple trips without extra cost
Great for round trips to nearby attractions or quick errands
Transfer time starts with your first tap-in, not each boarding
PRESTO app tracks your fare validity
No paper transfers for cash fares anymore

Step 3: Use the Subway System for Core Travel

The TTC subway system is the fastest way to travel long distances within the city. It runs on four lines and connects many major landmarks and neighborhoods.

Use Line 1 (Yonge-University) for most downtown travel
Trains run every 2–5 minutes during the day
Most stations have elevators and Wi-Fi
Service typically operates from 6 AM to 1 AM
Stations near tourist spots include St. Patrick, Museum, Union
Maps and signage are clear and available in multiple languages
Use Google Maps or the Transit app for real-time directions

Step 4: Ride Streetcars and Buses Like a Local

Streetcars and buses fill in the gaps where subways don’t reach. They’re iconic and convenient, especially along east-west corridors and in older neighborhoods.

Streetcars run 24/7 on some routes like Queen and King
Tap your PRESTO card on the reader near any door
Buses cover suburban areas and late-night travel
Check for express buses and 300-series night buses
Board at front doors for cash or ticket payments
All vehicles are wheelchair accessible
Stop announcements are automated and accurate

Expert Tips for Using the TTC

Buy a daily or weekly pass if taking multiple rides (daily: CAD $13.50, weekly: $45)
Use the TTC Trip Planner to find the fastest route
Look for station murals and public art while you ride
Avoid rush hours (7–9 AM and 4–6 PM) for comfort
Follow TTC on Twitter (@TTCnotices) for real-time updates
Use contactless debit/credit cards if you forget your PRESTO
Download Rocketman or Transit app for alerts and bus timing
Transfer at Bloor-Yonge or St. George to switch lines easily

Common Mistakes to Avoid When Riding the TTC

Not tapping your PRESTO card every time you enter
Expecting paper transfers with cash fares—use PRESTO instead
Boarding streetcars through back doors without tapping
Throwing out your PRESTO card—it can be reloaded and reused
Missing last train—check schedules when traveling late

Final Thoughts

With a little preparation and a PRESTO card in hand, navigating Toronto via the TTC becomes easy, efficient, and affordable. Whether you’re headed to major attractions or local neighborhoods, these tips will help you ride with confidence—and keep your travel budget intact.