Exchange across the surf-zone and inner-shelf affects coastal water quality and larval recruitment. Surf-zone generated transient rip-currents (TRC) exchange shoreline released tracers onto and across a stratified inner-shelf. Surface heat fluxes (SHF) modify inner-shelf stratification and surf-zone temperature, relative to the inner-shelf, inducing nearshore thermally driven exchange. The coupled effect of TRC and diurnal SHF forcing on cross-shore exchange is evaluated using idealized model surf-zone tracer releases with TRC-only, SHF-only, and combined SHF+TRC forcing. For conditions representing Fall in Southern California, the TRC mechanism dominates cross-shore exchange, relative to SHF, to 12L SZ offshore (L SZ = 100 m is the surf-zone width). Tracer and velocity derived estimates of exchange velocity indicate that the TRC cross-inner-shelf exchange mechanism is due to an alongshore mean baroclinic flow setup by TRC vertical mixing of inner-shelf stratification.Plain Language Summary Cross-shore transport (also called exchange) of material, for example, pollutants, larvae, nutrients, and plankton, is important in coastal oceanography. Natural surf-zone wave breaking leads to transient rip-currents (TRCs), episodic, offshore flows onto the inner-shelf, which vertically mix stratified waters creating a cross-shore exchange pathway. In many regions, such as Southern California, daily surface heating/cooling, or diurnal surface heat-fluxes (SHF), also drive cross-shore exchange, because thermal response varies with water depth. However, the dominant exchange mechanism is not known. Impacts of combined TRC and SHF forcing on exchange and their relative strength are analyzed using idealized numerical model simulations. Cross-shore transport is quantified using a tracer released within the surf-zone. Tracer transport is strongest for simulations including TRCs, relative to SHF forcing alone, and transport induced by TRCs extends well offshore of the surf-zone. Analyses indicate that enhanced TRC-driven inner-shelf exchange is associated with the vertical mixing mechanism.