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How to Send an Interac e‑Transfer

Learn how to send money securely using Interac e‑Transfer through your bank's online banking or mobile app. This comprehensive guide covers the general process and detailed, institution-specific instructions for all major Canadian financial institutions.

General Steps for All Financial Institutions

Sign in to your online banking or mobile app using your credentials
Find e‑Transfer in the main menu (commonly labeled as "Send Money", "Interac e‑Transfer", "Transfer Funds", or "Move Money")
Enter recipient details: email address or mobile phone number (ensure accuracy)
Choose the source account to send money from
Enter the transfer amount (check your daily/monthly limits)
Create a security question and answer (if auto-deposit isn't enabled for the recipient)
Add a personal message for the recipient (optional but recommended)
Review and confirm all transfer details carefully
Send the transfer - the recipient will be notified by email or text message

Important: Always verify the recipient's contact information before sending. Funds sent to incorrect details may not be recoverable once accepted.

Big Six Banks - Detailed Instructions

Canada's major chartered banks offer comprehensive e‑Transfer services with institution-specific features and navigation.

RBC

Navigation Path:

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Before sending:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Step-by-Step Process:

Enrol in RBC Digital Banking using your client card or credit card number. For e‑Transfers specifically, navigate to the transfer section and select Interac e‑Transfer, then follow the standard process above.

TD

Navigation Path:

EasyWeb or TD app → "Transfer" → "Interac e‑Transfer"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Before sending:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Step-by-Step Process:

If you already have a TD EasyWeb account, simply download the TD app and sign in using your Access Card number and EasyWeb password. For e‑Transfers specifically, navigate to the transfer section and select Interac e‑Transfer, then follow the standard process above.

BMO

Navigation Path:

BMO Digital Banking → "Transfer" → "Send Money"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Before sending:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Step-by-Step Process:

Enroll in BMO Digital Banking by registering with your debit or credit card number. For e‑Transfers specifically, navigate to the transfer section and select Interac e‑Transfer, then follow the standard process above.

Scotiabank

Navigation Path:

Scotia app → "Transfer" → "Interac e‑Transfer"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Before sending:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Step-by-Step Process:

To get started with Scotiabank digital banking, select 'Set up online banking' on the Scotiabank website and register using your ScotiaCard number and PIN. For e‑Transfers specifically, navigate to the transfer section and select Interac e‑Transfer, then follow the standard process above.

CIBC

Navigation Path:

CIBC Mobile Banking → "Pay & Transfer" → "Interac e‑Transfer"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Before sending:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Step-by-Step Process:

Register for CIBC Online Banking using your debit or credit card number. For e‑Transfers specifically, navigate to the transfer section and select Interac e‑Transfer, then follow the standard process above.

National Bank

Navigation Path:

National Bank app → "Transfers" → "Interac e‑Transfer"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Before sending:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Step-by-Step Process:

Download the National Bank app from the App Store or Google Play. For e‑Transfers specifically, navigate to the transfer section and select Interac e‑Transfer, then follow the standard process above.

Digital-First Banks & Credit Unions

Digital banks and credit unions often offer competitive e‑Transfer services with unique features and typically lower fees.

Tangerine

Navigation Path:

Tangerine app → "Move Money" → "Send Money"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Unique Features:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Download the Tangerine Mobile Banking app and sign up digitally by taking a photo of your ID and a selfie. Once logged in, you can view balances, set Orange Alerts, pause or change your credit card PIN and use budgeting tools.

Simplii

Navigation Path:

Simplii app → "Transfer Funds" → "Interac e‑Transfer"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Unique Features:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Register for Simplii online banking and download the mobile app. To deposit a cheque, sign on, select 'Mobile Deposits' or 'eDeposit', take photos of the front and back of the cheque, choose the account and confirm the amount, then mark the cheque as paid and retain it for your records.

KOHO

Navigation Path:

KOHO app → "Move Money" → "Interac e‑Transfer"

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Unique Features:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Download the KOHO app, sign up for an account and choose a plan (Essential, Extra or Everything). After registration you can order a physical card and activate it, link your KOHO card to Apple Pay or Google Pay for contactless payments, and manage all your banking from the app.

motusbank

Navigation Path:

Check your institution's app or website for e‑Transfer location

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Unique Features:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Open an account online through motusbank website. Download the motusbank app for full mobile banking features.

PC Financial

Navigation Path:

Check your institution's app or website for e‑Transfer location

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Unique Features:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Open a PC Money Account or apply for a PC Mastercard online, then download the PC Financial mobile app. Log in to fund your account via Interac e‑Transfer or direct deposit.

Motive Financial

Navigation Path:

Check your institution's app or website for e‑Transfer location

Fee: Check current account terms

Daily Limit: Check the personal limit shown in your bank’s app

Unique Features:

• Check the sender account’s current transfer fee and transaction allowance
• Confirm your personal sending limit before committing the transfer
• Verify the recipient details and any displayed Autodeposit name

Advanced e‑Transfer Features

Auto-Deposit Setup

Many institutions now offer auto-deposit, eliminating security questions and depositing eligible transfers without a security question; processing or security checks can still apply.

Benefits: No security questions, faster processing, reduced fraud risk
Setup: Enable in your e‑Transfer settings using your email or phone number
Availability: Most major banks and credit unions now support this feature
Security: Uses your registered contact information for verification

International Money Transfers

Some institutions offer international transfers through partnerships:

TD Bank: Western Union integration to 200+ countries
Scotiabank: Scotia International Money Transfer and Western Union
Simplii: Global Money Transfers to 90+ countries with zero fees
KOHO: Cross-border money transfers through app

Enhanced Security Best Practices:

• Always verify recipient's email or phone number through a separate communication channel
• Create security questions that only the intended recipient would know the answer to
• Never share security question answers via email, text, or social media
• Keep your transfer confirmation number and screenshot for records
• Contact your financial institution immediately if you send to the wrong recipient
• Enable auto-deposit where available to reduce fraud risk and processing time
• Set up account alerts to monitor all e‑Transfer activity
• Use strong, unique passwords for your online banking and enable two-factor authentication

Receiving an Interac e‑Transfer

Step-by-Step for Recipients

Check your email or text message for the transfer notification from Interac or your bank
Click the secure verification link in the notification message
Select your financial institution from the comprehensive list provided
Sign in to your online banking using your regular credentials
Choose the deposit account where you want to receive the funds
Answer the security question correctly (if auto-deposit is not enabled)
Confirm the deposit - check the receiving account’s actual confirmation and available balance

Auto-Deposit Information

Most Canadian financial institutions now offer auto-deposit functionality, which:

• Eliminates the need for security questions
• Deposits funds automatically to your designated account
• Reduces the risk of fraud and phishing attempts
• Speeds up the transfer process significantly

Comprehensive Troubleshooting Guide

Transfer Processing Delays

Typical causes:

• High-traffic periods (weekends, holidays)
• Additional security verification requirements
• First-time recipient verification
• Large transfer amounts triggering reviews

Solution: Most delays resolve within 30 minutes. Contact your institution if longer than 2 hours.

Missing Transfer Notification

Check these locations:

• Spam/junk email folders
• SMS blocked messages (if sent to phone)
• Email from "notify@payments.interac.ca"
• Institution-specific notification emails

Solution: Add Interac and your bank's email addresses to your safe sender list.

Incorrect Recipient Information

Immediate actions:

• Contact your financial institution immediately
• Provide your transfer confirmation number
• Request cancellation if not yet accepted
• Report as fraud if suspecting malicious activity

Important: Once accepted, funds cannot typically be recovered without recipient cooperation.

Transfer Expiration

Standard timeline:

• Check the expiry date shown for this transfer
• Read the expiry in the actual transfer notice
• Ask your institution about the return process and any charges
• Return timing depends on the provider and transaction status

Prevention: Follow up with recipients about pending transfers.

Get help from the institution that holds the account

Use a verified contact route

For a missing, delayed or misdirected transfer, contact your bank or credit union through its official app, website or the number on your bank card. Keep the confirmation reference for the bank; do not post credentials or account records here.

Interac’s FAQ explains that the financial institution investigates account and transaction problems. This guide cannot trace a payment, reverse a deposit or increase your limit.

Related Resources & Further Reading

About This Guide

This comprehensive guide is based on current information from Canadian financial institutions as of 2024. Features, fees, and procedures may vary by account type and are subject to change. Always verify current information with your specific financial institution before proceeding with transfers. All instructions are derived from official institutional documentation and user guides.