入境携带超过10000加元的处理方法如下，入境时按实际数额如实申报是法律规定，与钱是否将来会留在加拿大、花在加拿大无关：
If you are entering or leaving Canada and are carrying $10,000 or more, or its equivalent in a foreign currency including any combination of coins, domestic or foreign bank notes, and securities, such as travellers cheques, stocks and bonds, you have to complete
Form E677,
Cross-Border Currency or Monetary Instruments Report – Individual. If the currency or monetary instruments that you are reporting are not your own, you will be required to complete
Form E667,
Cross-Border Currency or Monetary Instruments Report – General. You must complete the reporting form, sign it, and hand it to a border services officer at the nearest CBSA office that is open at the time you are travelling.
携带的货币总额超过10000，一旦被发现了，处罚也非常严厉。处罚的比例和额度比楼主的情况更严重。
去美国购物回来所要遵循的规定是下面所描述的，只有三类人还有孩子有免税份额，其他人是没有的。从别国返回再次入境加拿大那个时刻申报多少、是否申报只与携带物品价值、境外滞留时间有关，与是否加拿大人无关，也与物品是否途经加拿大再带回中国无关：
When you return to Canada, you may qualify for a personal exemption. This allows you to bring goods of a certain value into the country without paying regular duty and taxes, except for a minimum duty that may apply to some tobacco products.
You are eligible for a personal exemption if you are one of the following:
- a Canadian resident returning from a trip outside Canada;
- a former resident of Canada returning to live in this country; or
- a temporary resident of Canada returning from a trip outside Canada.
Even young children and infants are entitled to a personal exemption. As a parent or guardian, you can make a declaration to the CBSA for a child as long as the goods you are declaring are for the child's use.
