Interac e-Transfers

Send, receive, and request money quickly using Interac e-Transfer®. All you need is an email address or mobile phone number for the recipient you’re sending or requesting money from. Available through your online banking account or mobile app.

Take advantage of other features included in Interac e-Transfer® such as:


Deposit money into your account without having to answer a security question. This feature provides an additional level of security and peace of mind. Learn more

Send Money

Send money to anyone with an account at a credit union or Canadian financial institution using online or mobile banking.

Request Money

Request up to $25,000 directly from anyone on your e-transfer recipient list. Once accepted, the funds will be withdrawn and deposited into your account.  Learn more

How do I access Interac e-Transfer®? Expand/Collapse

Sign into your online banking account, or mobile app. Once logged in, simply select Transfers from the navigation menu to access Interac e-Transfer®.

How secure is Interac e-Transfer®? Expand/Collapse

Interac e-Transfer® is one of the safest digital money transfer services in the world. When the service is used, the money is transferred using established and secure banking procedures that financial institutions use to settle cheques, bank machine deposits and withdrawals. Money never travels by email or text - these are simply used to notify you that money was sent or requested, as well as provide instructions on how to deposit funds you receive.

What is an intercepted e-Transfer®? Expand/Collapse

This occurs when a legitimate customer sends an e-Transfer to someone they know, but the money intended for the recipient is redirected into a fraudster’s account.  A fraudster’s ability to intercept an incoming Interac e-transfer relies on a recipient’s email address has been compromised and isn’t the result of vulnerabilities in online banking or Interac e-transfer itself.  Once a fraudster has access to an email address, they can “see” incoming e-transfer deposit instructions and, if they’re able to correctly guess the answer to the required deposit security question, they may seize the opportunity to deposit the funds into their own account. You can protect yourself against this type of fraud by taking extra safety precautions with your email and by registering for Autodeposit, which automatically deposits e-transfer funds into an account of your choice.

How do I protect myself from email account compromise? Expand/Collapse

There are several ways to protect your email account from being compromised. You should:

  • Use two-factor authentication for e-mail; most email providers have this feature.
  • Select a strong password for your email account and change it regularly.
  • Never use the same password across various accounts.
  • Be cautious not to click on any phishing links and ensure that you are only transacting with trusted websites, vendors and people.

What are my Interac® e-Transfer limits? Expand/Collapse

Outgoing Interac® e-Transfer limits

Maximum transaction limit            $ 3,000.00
Daily maximum transfer limit        $ 3,000.00
Weekly maximum transfer limit     $10,000.00
Monthly maximum transfer limit    $20,000.00

Incoming Interac® e-Transfer limits

Maximum transaction limit            $25,000.00

How do I use Interac e-Transfer® safely? Expand/Collapse

When using Interac e-Transfer®, you should:
• Register for Autodeposit. This will make sending money on the e-Transfer service more secure, as any transactions that are flagged for auto-deposit will be deposited without sending an email to the recipient.
• Select a question and answer that is not easy for a third party to guess and cannot easily be found on social media. If the notification is intercepted, it will be harder for a criminal to answer and steal the funds.
• Not communicate the answer to the security question via email or text.
• Immediately notify your credit union if you sense anything suspicious about your transaction.

Learn More

Have a further question about Interac e-Transfer®? Visit these Frequently Asked Questions, or talk to us today

® Trademark of INTERAC Inc. Used under license
* Transfer time is dependent on internet and financial institution connectivity