INTERAC e-Transfer

Interac e-Transfer is a fast, secure, and convenient way for anyone with an email address or mobile phone number and a Canadian bank account to send and receive money.


With Interac e-Transfer, the following features are available on both the desktop and mobile web:

  • Send money
  • Receive money
  • Send email notification
  • Send text message notification
  • Create a recipient instantly
  • View and manage pending transfers

Members are now able to see the Payee or Payer name in the eTransfer Withdrawal or eTransfer Deposit transaction! The Payee or Payer name is displayed in your Transaction History of the Member Direct Account Summary screen.


  • The sender does not need to know the recipient's institution or account information.
  • Interac e-Transfers can take less than 30 minutes to receive (real time transfer), and only involves one transfer and one acceptance. The money can be accessed immediately after the transfer is accepted.
  • The security question protects the sender's transfer from being deposited by unintended recipients.


How your INTERAC® e-Transfer is protected

  • With Interac e-Transfer, your money never actually travels by email or text message.
  • Email and text messages are only used to notify the recipient and to provide instructions on how to deposit the money.
  • Participating financial institutions transfer the funds using established and secure banking procedures.
  • Security measures have been built into the system, including: encryption technology, confidential user IDs and passwords issued by financial institutions, a secure login process, a security question and answer to ensure only the intended recipient receives the money, and 128-bit browser encryption.

How It Works

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Sending/Receiving Limits

Sending limit per Transaction


Sending Weekly Limit $10,000
Sending Monthly Limit $20,000
Receiving limit per Transaction


Receiving Weekly Limit


Receiving Monthly Limit $300,000

Frequently Asked Questions

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