Interac e-Transfers are now available.  North Sydney Credit Union members, can use Interac e-Transfers to send money in minutes to anyone with an email address and an account at a Canadian Credit Union or Bank.  The process is simple convenient and secure.  A great alternative to cheques and cash. 

E-transfer limits                                 Outgoing            Incoming

*Maximum transaction limit                   $3,000.            $10,000.
*Daily maximum transfer amount          $3,000.            $10,000.
*Weekly maximum transfer amount     $10,000.            $70,000.
*Monthly maximum transfer amount     $20,000.          $300,000.

The benefits of Interac e-Transfer

  • Send and receive money directly from and to your existing bank account
  • The money can be accessed immediately after the transfer is accepted
  • To send an Interac e-Transfer, all you need is the recipient's email address or mobile phone number1
  • Never share personal or financial information with the people you send money to: keep your address, phone number and account information private
  • The security question protects your transfer from being deposited by unintended recipients
  • No need to set up new accounts, user ID or passwords — you're already in online banking
  • Email and/or text message carries the notification, so no need to get stamps or to find a mailbox

How to send an e-Transfer

e-Transfer Demo

ll you need is an email address, access to online or mobile banking at a participating financial institution, and the email address or mobile phone number of the person you are sending money to.

To send an Interac e-Transfer:

  • Login to online or mobile banking at a participating financial institution
  • Choose Interac e-Transfer within the Transfer/Payment menu options
  • Select a recipient by entering an email address and/or mobile phone number
  • Fill in the Interac e-Transfer information (dollar amount, account from which to withdraw the funds, a security question that only the recipient will know the answer to and optional personal message)
  • Follow the instructions to confirm the information and complete the transfer
  • If you haven't signed up for online or mobile banking, contact your financial institution or visit their online banking website to sign up.

Tracking your transfer

As a sender - Interac e-Transfer confirmation numbers are saved in your online banking history. In addition, you will receive an email notification and/or text message once the intended recipient has accepted the transfer.

As a recipient - You will receive an email notification and/or text message when the transfer is sent, indicating the amount as well as instructions for depositing it.

Depositing your transfer

You can deposit your transfer by clicking on the link contained in the text message or email notification, or you can type the link contained in the notification into your browser — no matter how you're notified, you can deposit your transfer at any computer or mobile device connected to the Internet.

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. Your financial institution and your recipient’s financial institution transfer funds using established and secure banking procedures.

Interac e-Transfer rely on several security measures

  • 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

Always be careful when sending money

An Interac e-Transfer transaction cannot be reversed once the recipient of the funds has deposited the transfer. You must obtain a refund directly from the recipient.


Learn more...

Interac e-Transfers

List of participating financial institutions



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