How Interac e-Transfers work  How your Interac e-Transfer is protected  Always be careful when sending money  Why use Interac e-Transfer  Tracking your Interac e-Transfer  Depositing your funds 


The simple way to send money directly to another person using your online or mobile banking

Interac e-Transfer is a simple, convenient, and secure  way to send and receive money directly from one bank account to another. All you need is access to online or mobile banking through a participating financial institution, and you can send money to anyone with an email address or mobile phone number1 and a bank account in Canada — without sharing any personal financial information. It's a great alternative to cheques and cash. 

How Interac e-Transfers work

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.

See our Interac e-Transfer demo 


How your Interac e-Transfer is protected

When you send money using 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 relies 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. You can ask the recipient to send you an Interac e-Transfer for the refund amount.

Like using cash, you should send money transfers only to parties you know and trust. For most uses of the Interac e-Transfer service (sending money to family and friends, repaying IOUs, sending monetary gifts, etc.), you know the recipient well. For uses where you may not know the receiver well (e.g., online auction purchases), take the precautions you would take when making cash purchases. For auctions and online purchases, be sure to read and follow steps as recommended by operators of these websites to protect your money.


Why use Interac e-Transfer?

  • It’s a simple, secure way to send and receive money directly to and from your existing bank account
  • The money can be accessed immediately after your Interac e-Transfer is accepted
  • To send an Interac e-Transfer, all you need is the recipient's email address or mobile phone number1
  • Never worry about sharing your personal financial information with the people you send money to: your address and account information are kept private
  • A security question protects your money from being deposited by unintended recipients
  • No need to set up new accounts, user ID or passwords — you're already in online banking. Easy!
  • An email and/or text message carries the notification only, not your funds.  Your financial institution uses existing payment networks to transfer the money to any financial institution in Canada.

1Support for notifying recipients via text message and adding recipient mobile phone information is optional for each participating financial institution. However, anybody with a bank account in Canada can deposit an Interac e-Transfer with the information contained in a text or email notification. 


Tracking your Interac e-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 the funds.

Depositing your funds

You can deposit your funds 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 funds at any computer or mobile device connected to the Internet.

Interac e-Transfer – just like sending cash, only now from your online or mobile banking

Interac e-Transfer is a simple, convenient, and secure way to send and receive money directly from one bank account to another.

  • All you need is access to online or mobile banking through a participating financial institution.
  • You can send money to anyone with an email address or mobile phone number and a bank account in Canada — without sharing any personal financial information.
  • It's a great alternative to cheques and cash.

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.

Get started

To send an Interac e-Transfer, just log on to your online bank account at a participating financial institution:

1st Choice Savings
Acadian Credit Union
Accent Credit Union
Access Credit Union

Advance Savings Credit Union
Affinity Credit Union
Airline Financial Credit Union

Aldergrove Credit Union 
Alterna Bank
Alterna Savings
Apple Community Credit Union

Assiniboine Credit Union 
ATB Financial
Austin Credit Union
Auto Workers Community Credit Union 
Bayshore Credit Union
Beaumont Credit Union

Beaubear Credit Union
Bengough Credit Union 

Bergengren Credit Union 
Biggar & District Credit Union
BlueShore Financial
BMO Bank of Montreal
Bow Valley Credit Union
Buduchnist Credit Union
Bulkley Valley Credit Union
Caisse Populaire de Clare 
Cambrian Credit Union 

Canadian Direct Financial 
Canadian Western Bank 
Casera Credit Union
Catalyst Credit Union

Cataract Savings & Credit Union
Chinook Credit Union
Christian Credit Union
Churchbridge Credit Union

City Savings Financial Services 
Coady Credit Union
Coast Capital Savings CU 
Coastal Community Credit Union

Coastal Financial Credit Union
Columbia Valley Credit Union
Community Credit Union of Cumberland Colchester
Community First Credit Union

Community NL Credit Union
Community Savings Credit Union
Conexus Credit Union
Consolidated Credit Union

Copperfin Credit Union
Cornerstone Credit Union 
Creative Arts Savings & Credit Union
Credit Union Atlantic
Creston & District Credit Union
Crocus Credit Union
Crossroads Credit Union

CTC Bank
Cypress Credit Union

Debden Credit Union
Diamond North Credit Union
Dominion Credit Union
Duca Financial Services Credit Union

Eagle River Credit Union
East Coast Credit Union
East Kootenay Community Credit Union
EasternEdge Credit Union 
Eckville District Savings & Credit Union
Education Credit Union
Enderby & District Credit Union 
The Energy Credit Union

Entegra Credit Union
Envision Financial
Espanola & District Credit Union
Estonian Credit Union
Federal Employees Kingston Credit Union Ltd 

Finnish Credit Union

Fire Services Credit Union 
First Calgary Financial 
First Credit Union

First Nations Bank 
FirstOntario Credit Union
Flin Flon Credit Union
Foam Lake Credit Union
Fort Erie Credit Union

Frontline Financial Credit Union
G & F Financial Group 
Ganaraska Credit Union
Glace Bay Central Credit Union
Goodsoil Credit Union

Grand Forks Credit Union
Grandview Credit Union
Greater Vancouver Community Credit Union

Hald-nor Credit Union
Hamilton Sound CU
Healthcare and Municipal Employees Credit Union
Heritage Credit Union (BC)
Horizon Credit Union
HSBC Bank Canada

Hudson Bay Credit Union
Implicity Financial
Innovation Credit Union 
iNova Credit Union 
Integris Credit Union
Interior Savings Credit Union
Island Savings Credit Union
Kawartha Credit Union
Kingston Community Credit Union
Kellogg Employees Credit Union
Kootenay Savings Credit Union
L'Alliance des caisses populaires de l ‘Ontario limitée

LaHave River Credit Union
Ladysmith & District Credit Union
Lafleche Credit Union 

Lake View Credit Union
Lakeland Credit Union
Leading Edge Credit Union
Legacy Savings & Credit Union Ltd. 
Les caisses populaires acadiennes

Libro Credit  Union
Libro Credit Union (United)

Luminus Financial Services & Credit Union
Luseland Credit Union
Macklin Credit Union
Mainstreet Credit Union
Malpeque Bay Credit Union
Manulife Bank

Member Savings Credit Union Limited
MemberOne Credit Union

Mennonite Savings and Credit Union
Meridian Credit Union
Minnedosa Credit Union

Montague Credit Union 
Morell Credit Union
Motor City Community Credit Union 

Mount Lehman Credit Union 
Mountain View Credit Union 
National Bank of Canada 
    National Bank - Partnership 
    Solutions Banking - Freedom 55 Financial
    Solutions Banking - Great-West Life
    Solutions Banking - Investors Group 
New Brunswick Teachers' Association (NBTA) Credit Union
New Ross Credit Union 

New Waterford Credit Union 
Newfoundland and Labrador Credit Union
Niverville Credit Union
North Peace Savings & Credit Union
North Sydney Credit Union
North Valley Credit Union

Northern Credit Union
Northern Lights Credit Union
Northern Savings Credit Union
Noventis Credit Union 
Oak Bank Credit Union 

OMISTA Credit Union 
OPPA Credit Union
Osoyoos Credit Union
Outlook Financial
Pace Credit Union
PenFinancial Credit Union 
Peoples Credit Union
Peterborough Community Credit Union
Pierceland Credit Union
Pincher Creek Credit Union

Plainsview Credit Union 
Police Credit Union
Portage Credit Union

Prairie Centre Credit Union
President's Choice Financial

Princess Credit Union

Progressive Credit Union
Prospera Credit Union
Prosperity ONE Credit Union
Provincial Alliance Credit Union
Provincial Credit Union

Provincial Government Employees Credit Union
Public Service Credit Union
QuintEssential Credit Union 
Raymore Credit Union
RBC Royal Bank of Canada
Reddy Kilowatt Credit Union 
Revelstoke Credit Union 
River City Credit Union 
Rocky Credit Union

Rosenort Credit Union
Salmon Arm Savings and Credit Union
Saugeen Community Credit Union
Saskatoon City Employees Credit Union

Servus CU
Shaunavon Credit Union
Shell Employees' Credit Union
Souris Credit Union 
Southwest Regional Credit Union
Spruce Credit Union 

St. Josephs Credit Union
St. Stanislaus - St Casimir's Polish Parishes Credit Union

Steel Centre Credit Union 
Steinbach Credit Union

Stoughton Credit Union 
Strathclair Credit Union 

Sudbury Credit Union
Summerland Credit Union
Sunshine Coast Credit Union

Sunrise Credit Union 
Swan Valley Credit Union
Sydney Credit Union
Synergy Credit Union
Tangerine Bank

TCU Financial Group
TD Canada Trust
Tandia Credit Union
Teachers Plus Credit Union
Tignish Credit Union
Toronto Municipal Employees' Credit Union Limited
Turtleford Credit Union

Ukrainian Credit Union
Unigasco Community Credit Union

Unity Credit Union 

Valley Credit Union
Valley First
Vancity Credit Union 
Vanguard Credit Union

VantageOne Credit Union
Venture Credit Union
Vermilion Credit Union
Victory Credit Union
Vision Credit Union
Wainwright Credit Union
Westminster Savings Credit Union
Wetaskiwin Credit Union
Weyburn Credit Union
Williams Lake and District Credit Union
Windsor Family Credit Union
Your Credit Union
Your Neighbourhood Credit Union


Send money internationally from the comfort of your online bank account

You can send money quickly and conveniently to 489,000 Western Union® Agent locations worldwide1 from the convenience of online banking. Western Union® money transfers via Interac e-Transfer™ is a new way to send money globally to family and friends and is a great alternative to wires, drafts and cheques. All you need is a bank account at a participating Canadian financial institution, access to online banking, and, depending on your financial institution's policies, you can send money to over 200 countries and territories worldwide2 — without the need of sharing any financial information. Plus, with Western Union Money Transfers via Interac e-Transfer, you get the following advantages

  • 24/ 7 availability through online banking;3

  • Funds may be available for recipient pick-up in approximately 30 minutes;4 and

  • Ability to track your transfer in online banking until it is delivered! 

Currently, BMO Bank of Montreal is the first financial institution to offer Western Union Money Transfers via Interac e-Transfer. Stay tuned for announcements as we are working with other financial institutions to offer the service. 

Number of Agent locations may vary.

2Availability subject to your participating financial institution’s policies. Please contact your participating financial institution for details.

3Availability subject to participating financial institution’s policies and online banking functionality. 

4Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options.  Additional Restrictions may apply.

For more information, please visit our desktop site.