Frequently Asked Questions

Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada using online banking. The participating bank or credit union transfers the funds using established and secure banking procedures. Transfers are almost instant, but can take up to 30 minutes depending on your bank or credit union.

Visit our Interac e-Transfer page for step-by-step instructions on how it works.

Please contact your bank or credit union to troubleshoot any transactions in progress. The contact information is usually on the back of your Interac debit card. You can also use this Interac e-Transfer form.

Please visit our business page or FAQ for business for more info.

No. While all three methods allow you to directly pay with funds from your own bank account, Interac e-Transfer electronically transfers money from your bank account to another one. Interac Debit and Interac Debit for online payments uses a different method of payment.

Exact steps vary by individual bank or credit union, but the process will always be simple. Just log into your online bank account, navigate to the Interac e-Transfer section and follow the instructions.

To cancel a transfer, log into your online bank account. Go to the transaction or payment history and select the Interac e-Transfer transaction you wish to cancel. Use the cancel option provided. This process varies by financial institution, who may also charge a cancellation fee. Contact your bank or credit union for more information.

Unfortunately, once a deposit has been made there is no way to reverse the transaction. You’ll have to make arrangements directly with the recipient. You should only send money transfers to parties you know and trust. For most Interac e-Transfer uses (sending money to family and friends, repaying IOUs, sending money as gifts, etc.), you will know the recipient well. For uses where you may not know the recipient (e.g., online auction purchases), take the same precautions you would take when making cash purchases. For online auctions and purchases, be sure to read and follow any steps recommended by the operators of these websites to safely transact.

When someone sends you money via Interac e-Transfer, you will receive an email or text message that a transfer has been sent to you. The notification includes information such as:

• Sender’s name
• Transfer amount
• A link to deposit your transfer to your bank account

The fastest way to get your funds is through your financial institution’s online or mobile banking service. Simply click the link in the notification, select your bank or credit union, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser. You will be prompted to enter the answer to a security question set by the sender, as part of the secure login process. Alternatively, Autodeposit is an Interac e-Transfer feature that allows users to register to have incoming Interac e–Transfer funds deposited directly into their bank account – no security question and answer needed. Learn more about Interac e-Transfer enhanced features below.

You are not sending money by email or text message: Only the notification travels over the Internet to advise the recipient that the transfer has been initiated and to provide instructions on how to deposit the money. The money always resides safely at a financial institution and is transferred through existing payment networks that banks and credit unions have used for years to settle cheques, bank machine deposits and withdrawals. Security measures have been built into the system, including:

• Encryption technology
• Confidential user IDs and passwords issued by financial institutions
• Secure login process
• A security question and answer to ensure only the intended recipient receives the money
• 128-bit browser encryption

There may be a fee from your financial institution for using the Interac e-Transfer service. Please check with your bank or credit union directly.

Like most financial transactions, there are limits on the amount you can send. Each financial institution sets their own. Please contact your bank or credit union for details.

You received a text notification because the sender selected “text message” to send you money via Interac e-Transfer. We recommend you provide the sender with your email address instead for sending.

To permanently stop all text notifications from Interac e-Transfer, reply to an Interac e-Transfer text with the message STOP (or text STOP to 100001). Please note: Once stopped, text message notifications cannot be reinstated for all transactions moving forward. Standard text messaging rates apply.

Yes, you can either reply to the text message or send a message to 100001. There are two responses our system recognizes (standard text messaging charges apply):

Type “Help” into the text message:

This will result in a text message back to you with the URL for this website interac.ca. You will be instructed to click on the link or paste it into your browser.

Type “Stop” into the text message:

This will permanently stop all text message notifications from Interac e-Transfer. Once stopped, text message notifications cannot be re-instated.

No. The only way you can send money with Interac e-Transfer is through a participating bank or credit union’s online banking system. This allows the financial institution to identify you and process the transfer instantly. Check to make sure your bank or credit union offers Interac e-Transfer. If so, you can sign up for online banking on their website or contact them directly for more details.

If you also provided an email address, the recipient will be notified by email. Otherwise, you may be informed that the transfer notification could not be delivered. If this is the case, you will be directed to either reclaim your transfer or correct the contact information of your recipient.

Always make sure you have entered the correct mobile phone number each time you wish to send money via Interac e-Transfer. It’s possible you received the notification because:

• The phone number entered is a land line.
• You entered a non-Canadian mobile phone number.
• The recipient has blocked Interac e-Transfer notifications from being sent to his/her mobile phone number.
• The recipient is encountering technical issues on his/her mobile phone and therefore the message cannot be delivered (e.g., mobile network unavailable)
• The Mobile Network Operator does not support all text messages

If you have received an Interac e-Transfer and do not have an account with a participating Canadian bank, ask your sender to cancel the transfer. Once the transfer is cancelled, the funds will be returned to the sender’s account. If you are unable to contact your sender, the transfer will expire in approximately 30 days. Once the transfer expires, the money is automatically deposited into the sender’s account.

There may be a fee from your financial institution for using the Interac e-Transfer service. Please check with your bank or credit union directly.

If your bank or credit union doesn’t offer Interac e-Transfer, you cannot receive funds. Please contact your bank or financial institution for additional information.

Please note the experience will vary by participating financial institution. There are two options:

1. You can simply ignore notifications until the transaction expires (30 days). Upon expiration, funds that were sent will automatically be redeposited into the sender’s account.
   
   You will have to take this option if your bank does not offer the option to decline in their system.
   
2. If your bank or credit union does provide an option to decline, you follow these steps:
   • Click the deposit link found inside the email or text notification
   • Select your financial institution to deposit the funds to
   • Login to your financial institution’s mobile/online banking portal
   • Answer the security question
   • Select “decline”
   • You will also have the option to provide a message back to the sender, upon declining

Contact your bank or credit union directly for more information.

If you don’t know the answer to the security question, contact the sender. If you answer the security question incorrectly more than three times, the Interac e-Transfer transaction will automatically cancel.

Request Money is a feature that allows you to send a request for funds via the Interac e-Transfer system. To learn more about Interac e-Transfer, click here. Once the request is fulfilled and the funds are available in your account, you will receive a notification via text or email. Click here for a list of participating banks and credit unions, and to learn more about the Interac e-Transfer Request Money feature. 

Yes, you can opt-out of receiving requests from a particular requestor or of the service completely, by selecting the opt-out option on the fulfillment page. You can also opt-in to receive requests from a particular individual, or for the service, by managing your preference through your financial institution’s online banking or mobile banking application. Simply navigate to the Interac e-Transfer settings or by clicking here. Please note this experience will vary by participating financial institution.

There may be a fee from your bank or credit union for using Interac e-Transfer Request Money. Please contact your bank or credit union directly.

Autodeposit is an Interac e-Transfer feature that allows users to register to have incoming Interac e–Transfer funds deposited directly into their bank account – no security question and answer needed. Click here for a list of participating banks and credit unions, and to learn more about the Interac e-Transfer Autodeposit feature.

Yes. Autodeposit enjoys the same bank-grade security standard as Interac e-Transfer. Interac e-Transfer is one of the safest digital money transfer services in the world. When you send or request money via Interac e-Transfer, the funds are transferred through established and secure banking procedures that banks and credit unions have used for years. Money never travels by email or text – these are simply used to notify you about the transaction, as well as provide deposit instructions.

The availability of the Autodeposit feature, along with the experience to register, will vary by financial institution. To register for Interac e-Transfer Autodeposit, log into your online or mobile banking account and go to your Interac e-Transfer profile settings. Once there, add the identifier (email address or text) you want associated with Interac e-Transfer Autodeposit and select the account into which you want funds deposited. You will receive a request to verify registration. The next time someone sends funds to the identifier registered, the money will be deposited directly into your account without the need to answer a security question.

Check with your participating bank or credit union for further details.

Some financial institutions might not offer Interac e-Transfer Autodeposit. Check with your participating bank or credit union to confirm.

If you haven’t received the Autodeposit verification email, check your junk email folder. If you still can’t find the notification, you’ll have to re-register for the feature through your bank or credit union’s online banking or mobile banking application.

There may be temporary issues in activation. Once Interac e-Transfer Autodeposit is activated, we will notify you. Check with your participating bank or credit union for further details.

You can register multiple email addresses per account for Interac e-Transfer Autodeposit. However, once an email is registered, it can’t be used again with another account. The exact number of email addresses that can be registered for the Autodeposit feature per account depends on each financial institution. Check with your participating bank or credit union for further details.

To update your email address, simply go back into your Interac e-Transfer settings to edit the email address. Exact experience will vary by financial institution. Check with your participating bank or credit union for further details.

To deactivate the Autodeposit feature, simply go back into your Interac e-Transfer settings and deactivate it. Exact experience will vary by financial institution. Check with your participating bank or credit union for further details.

Phishing is a scam where fraudsters attempt to acquire personal and/or financial information like passwords, card numbers, etc., by masquerading as a trustworthy person or business through electronic communications. Phishing is typically carried out using email or an instant message, although phone contact has been used as well.

In some instances, the fraudster sends authentic-looking emails or text messages (smishing) that appear to come from legitimate companies, requesting recipients to disclose personal and/or financial information that is later used to commit fraud.

Be suspicious if you receive a notification you weren’t expecting that money has been sent via Interac e–Transfer. Contact the sender to confirm. If you can’t confirm, please forward the notification to phishing@interac.ca immediately.

No. Interac does not hire transfer agents. There have been instances of employment recruitment scams in which Canadian job hunters are hired as agents for “foreign companies”. In fact, the job hunters may actually end up being used as “mules” to transfer stolen funds outside of Canada. Anyone who participates, even unknowingly, could be deemed an accomplice to a crime and may be prosecuted. We urge you to fully investigate any such job offers.

In the typical scenario, the “employer” poses on job recruitment websites as a legitimate foreign company looking for an agent to represent them in Canada. The job is to accept payment from Canadian customers and transfer proceeds offshore. The employer indicates that a key qualification is to have access to an online bank account and receive Interac e-Transfer funds.

Once the employee receives the funds, he or she is instructed to transfer the money via a wire transfer service. As compensation, the employee or “transfer agent” is paid a percentage of the funds. This is often a front for an illegal operation.

You may receive employment agreements, websites and other types of official information. While these websites and employment agreements appear legitimate, often they are not.

Click here to learn more about frauds and scams. To report fraud click here.

Click here to learn more about frauds and scams. To report fraud click here.

International Transfer by Mastercard and Interac is a safe, fast and cost-effective way for Canadians to send money internationally from any bank account in Canada to bank accounts worldwide.

You can send money to more than 75* countries worldwide from your Canadian bank account.

*Will vary by financial institution.  For current list of countries, please contact your financial institution.

You can send money internationally in for easy steps:

1. Log In: Log in to online or mobile banking.
2. Select “Send Money” > International: Select the recipient’s destination and banking information.
3. Request Processing: Your request is sent to the recipient and the will receive a notification via email when the funds have been sent.
4. Request Fulfilled: Funds are directly sent to the recipient’s bank account.

An IBAN number is an International Bank Account Number and it is required in order to send/receive money with International Transfer by Mastercard and Interac.

Please contact your financial institution for information for details.

The currency exchange rates that apply are the current daily rate posted by your financial institution. When initiating the transfer, you know what to expect before sending, with no hidden fees or exchange rate adjustments mid-transfer. The amount you see is the amount you send, all built in one number with zero surprises.

Most transfers reach their destination within 1–2 business days.  Once the transfer has been successfully sent, the confirmation will display ETA delivery timeframes.

You will receive a notification via email when the funds have been sent and the recipient will receive an email notifying them of the transfer.

When sending money using International Transfer by Mastercard and Interac, you can rely on the trusted, secure technology from Mastercard and Interac.  Your transaction is well protected from start to finish.

In order to send money internationally using International Transfer by Mastercard and Interac, you do not need a Mastercard card.  All you need is a bank account with a participating financial institution.  (Currently National Bank only, include list of FIs at launch)

The funds leave your bank account immediately upon confirmation of the transfer.

When you make an International transfer, your experience is familiar as you are able to access the service using your online banking the difference is that you would select “Send Money > International” when performing a transfer. 

You can access the service by using the online or mobile website for your participating financial institution.  

Not at this time. 

International Transfer by Mastercard and Interac provides the ability to send money to an international bank account from your Canadian bank account, therefore as a Canadian resident, you are not able to receive funds to your account.

The timeframe to cancel will vary based on the financial institution’s internal processes. If you need to cancel an International Transfer, please contact your financial institution. 

Always be careful when sending money online.  Like using cash, you should send money transfers only to parties you know and trust, for example, sending money to family and friends back home, repaying IOUs, sending monetary gifts, etc. For uses where you may not know the recipient well, take the precautions you would normally take when making cash purchases.

If the estimated time of delivery has passed and the recipient has not received the funds, please contact your financial institution. 

Please contact your financial institution if you require assistance with the service. 

Interac Debit Chip and PIN and contactless transactions are approved by your bank or credit union through secure online systems in real-time. Transactions appear instantly on your bank account records, allowing you to monitor your available balance so you can keep track of your spending.

Security is important to us. Chip-enabled Interac Debit and contactless enabled cards are extremely secure and protected from fraud tactics such as skimming, duplicating and electronic pickpocketing. When you make a payment, the only data transmitted consists of payment transaction codes, not confidential details about your bank account. Transactions occur in real time, so no information can be captured by criminals to conduct fraudulent transactions or commit identity theft.

Interac Debit Chip and PIN and contactless payments are extremely secure with sophisticated safeguards and fraud detection tools in place to protect you:

• Interac debit cards use EMV secure chip processing to store and process data securely. This makes it next to impossible to create counterfeit cards and protects you against fraud tactics such as skimming, transaction replay and electronic pickpocketing.
• When you use Interac Debit on your mobile device, you enjoy the same security features as your Interac debit card, as well as your device’s standard security measures such as passcode or biometric ID verification.
• Transaction limits are set at up to $250 per transaction.  There is also added protection of a cumulative contactless limit set by individual banks or credit unions.  A cumulative limit is the maximum contactless spend limit that can be done by an individual Interac debit card before the user is promoted to reset the limit with a Chip and PIN transaction. This confirms that you are the authorized cardholder.

You are also protected from any losses due to unauthorized transactions under the Interac Zero Liability Policy. If your card is lost or stolen, contact your bank or credit union right away.

While there are multiple safeguards in place, as an Interac debit cardholder, you also play an important role in protecting yourself from fraud:

• Only you should use your Interac debit card or mobile device to make purchases.
• Choose a PIN that’s difficult for others to guess, avoiding obvious numbers like your telephone number or birthdate, and don’t share it with anyone. 
• Check your bank statements regularly and immediately report any unusual activity to your bank or credit union.
• If your card is lost or stolen, contact your bank or credit union right away.

Transit Open Payments or open payment fare systems provide the ability for transit riders to tap a payment card or a mobile wallet at fare readers without the need to use a transit fare card or transit app to pay for their fare. Interac is enabling the ability for a debit card or mobile wallet supported by Interac^® Debit to be used for this purpose.

The ability to pay for transit directly via Interac Debit is available by Metrolinx on the UP Express in Toronto and TransLink in Vancouver. Additional transit authorities across the GTHA have recently been added including GO Transit, Brampton Transit, Burlington Transit, Durham Region Transit, Hamilton Street Railway, MiWay in Mississauga, Oakville Transit, York Region Transit, Para Transpo in Ottawa and more to come. 

While many large cities internationally have implemented support for Transit Open Payments, implementation plans are based on transit authorities, municipalities, and government agencies. Interac is exploring Transit Open Payments with a number of transit authorities across Canada. 

To learn more about Transit Open Payments availability in your area, please reach out to your local transit authority.

It is at the discretion of the transit authority (and/or the municipalities served or associated government agencies) to determine payment options available to transit system users. Please reach out to your transit authority for more information.

You can contact the transit authority directly with questions about payments made on transit using Interac Debit.

To pay your fare, you simply tap your payment credential (e.g., debit card or mobile wallet) on the transit fare reader and enter the transit system. 

Transit authorities may deploy a fixed fare or variable fare (e.g., based on distance travelled or time) payment model. Under each payment model, customer rules around tapping upon entry of transit system or transferring vary across transit authorities. Please contact your local transit authority for information. The transit authority will automatically calculate the fare and process it through your financial institution, normally the same day or by the next day.

Most transit authorities require that the same credential (card or mobile wallet) be used for the entire trip. If you tap to enter the transit system with your physical card and then tap your mobile wallet, depending on the transit authority, this will likely be recorded as two separate trips and you may be charged twice.

The daily limit is based on the purchase limit policies in place with your financial institution for your bank account. Please check with the transit authority to understand how many transactions may be processed against your bank account for a day’s travel, so that you can compare that against any transaction count limits that may apply to your bank account. Please refer to your financial institution if you are unsure about transaction count limits or related charges for your bank account.

How a transaction will appear on your bank account statement may vary by transit authority. Transactions approved by your financial institution are posted to your bank account statement and include a description area that will in most cases include the name of the transit authority, or an abbreviated form of the transit authority’s name and a Merchant Transaction Reference (MTR) value. The MTR value is useful when inquiring about the specific transaction with the transit authority. 

When using Interac Debit, the price of the trip will vary depending on how you travel.  

On GO Transit and UP Express, the fare will be based on the distance of the trip. When customers pay with Interac Debit on GO Transit or UP Express, they will be charged a temporary pre-authorization amount that may be more than the cost of the expected trip – customers should make sure they have sufficient funds on their Interac Debit to cover the pre-authorization.

The difference between the exact fare and the pre-authorization amount will be returned by your bank.  

On all participating 905-region transit systems in the GTHA, customers will be charged one flat fare.  

Interac Debit on Apple Pay is a new way to make debit payments using Interac Debit on your eligible Apple device.

Interac Debit eCommerce payments are the easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device. An in-app payment takes place within the merchant’s native mobile app. An in-browser payment takes place within a supported mobile browser (i.e Safari).

Interac Debit cardholders with a debit card issued from participating financial institutions can use Interac Debit to pay with Apple Pay at merchants who accept contactless payments.

For eCommerce transactions through Interac Debit with Apple Pay, Interac debit cardholders with a debit card issued from participating financial institutions can pay on select merchant applications or mobile websites using Apple Pay. We are continuously working to onboard more issuers and merchants to support through Interac Debit with Apple Pay.

Interac debit cards issued by participating financial institutions are eligible to be added to Apple Pay. Please check with your financial institution for more details.

For in-app and in-browser transactions, an Interac Debit card from a participating financial institution must first be provisioned to the Apple device (within the mobile wallet) before it can be used within a participating merchant application or mobile website. 

To learn more about how to use Apple Pay or view a list of supported Apple devices (iPhone, iPad, Apple Watch, or Mac), please visit apple.com/apple-pay.

You can use Interac Debit on Apple Pay to make payments in stores with supported devices wherever Interac Flash payments are accepted. Just look for the contactless symbol at checkout.

You can also use Interac Debit on Apple Pay for eCommerce transactions to make a purchase within the mobile application or mobile website of select merchants who have integrated with Apple Pay. We are continuously working to onboard more issuers and merchants to support Interac Debit with Apple Pay.

For instructions on how to add an Interac debit card to a mobile wallet, please visit the Interac Apple Pay page. For your debit card to be accepted as a method of payment, your financial institution needs to be a participating issuer.

Note: To enable Interac Debit transactions in merchant apps or mobile websites, you will need to add your Interac Debit card to your Apple Pay wallet first.

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or text. If prompted, please select how you wish to receive the one-time Verification Code and then enter that code into the appropriate field. For Apple Watch, you will need to enter the Verification Code for the Card you are adding by going to “Wallet & Apple Pay” in the Apple Watch app on your supported device. Please note that you will need a working Internet or data connection to receive a one-time Verification Code.

Your one-time Verification Code may expire if you are not able to enter it within 10 minutes. You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number on the back of your card or using your financial institution’s mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Card. You may also be asked to call your bank who will activate your Interac debit card on Apple Pay on your behalf.

No, you do not need a contactless enabled Interac debit card to use Apple Pay. However, your financial institution determines if your Interac debit card can be added.

Yes. At this time, Apple allows up to eight cards on a device.

Your financial institution determines how many devices you can add your Interac debit card to. Please check with your financial institution for more details.

Note: your card must be added to each device separately.

You can make purchases using your Apple Watch both in-store and within an app. Please visit Apple’s page for detailed instructions: : https://support.apple.com/en-ca/guide/watch/apdbe9c11bba/watchos

Yes, you can add your debit card to multiple devices, but your financial institution determines the device limit. Please note that your card must be added to each device separately.

To remove your card on an iPhone, iPad or MacBook, select “Remove Card” in the “Wallet & Apple Pay” section of your device “Settings” or on the back of your Card in the Wallet app. You can also visit icloud.com/settings to remove your card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your Cards on your device.

To remove your card on Apple Watch, go to “Wallet” on your Apple Watch device, select your card then hold and tap “Delete” to remove your card. Additionally, you can remove your card using the Apple Watch app on your iPhone. Open the Apple Watch app, select “Wallet & Apple Pay”, then select your card and navigate to the bottom and tap “Remove card.” Please note that you can always visit icloud.com/settings to remove your card on Apple Watch.

For your security, when you add your Interac debit card to Apple Pay, a Device Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your Device Account Number is used to make purchases with your card using Apple Pay so that your real card number is not exposed to third parties.

All transactions made using your Interac debit card in your mobile wallet will appear on your bank account statement and your mobile wallet’s transaction history.

If you need to make a return for a purchase made with Apple Pay, you can receive refunds to your account. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, visit the “Wallet & Apple Pay” section of your device “Settings” or on the back of your card in the Wallet app.

For an iPhone, iPad or MacBook, you can view and manage your cards in Apple Pay by going to “Settings” and selecting “Wallet & Apple Pay.” By tapping on an individual card, you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For iPhone, iPad or MacBook, you can also view and manage your cards in the Wallet app. When you select an individual card, you can tap the “i” to get to the back of the card, where you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For Apple Watch, you can view and manage your cards on Apple Watch within the Apple Watch app on your iPhone. Simply tap on an individual card to manage the settings associated with that card in Apple Pay. The Apple Watch app will not display transaction details or transaction history.

You will receive “Card Notifications” for your Interac debit card in Apple Pay on iPhone, iPad or MacBook letting you know about Interac Debit purchases made with Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Wallet & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications.

You will not receive specific “Card Notifications” for cards added to Apple Pay for your Apple Watch. You may receive notifications on your Apple Watch if you have a card added to Apple Pay on your paired iPhone and have push notifications enabled.

If you are having difficulty with your software or hardware, please contact Apple.

Your card number will never be shared with Apple.  To help provide the best Interac with Apple Pay experience, certain account information will be displayed on your device, but not your full account information. If you have any additional questions about your device’s security features, please contact Apple directly.

Your Interac debit card in Apple Pay is protected by “Touch ID” and/or your device “Passcode.” For your security, when you make a purchase using Apple Pay, you must either use “Touch ID” or the “Passcode” for your device. All your payment information will be encrypted in the Secure Element, a dedicated chip in your device.

All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Yes, to view your latest transaction, tap the image of your debit card inside your mobile wallet, and then tap the icon. The payment information that is displayed differs between each financial institution, so you will either see your latest transaction, or a series of transactions. This may also include all debit transactions, or just the ones conducted on your mobile device. Always refer to your account statement for final transaction details. If you have additional questions, please contact your financial institution directly.

You will need to contact your financial institution.

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

For an iPhone, iPad or MacBook, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your card(s) using Find My iPhone, you can reactivate your card(s) simply by unlocking your device and entering your Apple ID “Passcode” when prompted. For any supported Apple device, you can always go to icloud.com/settings, choose the applicable device and delete your card(s).

Yes, you can make an in-store transaction even if there is no cellphone reception.  You will be unable to make an in-app purchase with no cellphone reception as the application will require either WiFi or cellphone data access.

Yes. The debit card in Apple Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal or in a mobile app/website. Interac Debit for online payments is available within select merchant’s online checkout page, allowing you to pay through your online banking access.  For you more information on Interac Debit for online payments, please visit https://www.interac.ca/en/consumers/products/interac-debit/e-commerce/#interac-online.

Interac Debit on Google Pay is an easy way to make payments using your eligible Android device.

Interac Debit eCommerce payments are the easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device. An in-app payment takes place within the merchant’s native mobile app. An in-browser payment takes place within a supported mobile browser (i.e Chrome).

Interac Debit cardholders with a debit card issued from participating financial institutions can use Interac Debit to pay with Google Pay at merchants who accept contactless payments.

For Interac Debit with Google Pay transactions, Interac Debit cardholders with a debit card issued from participating financial institutions can pay on select merchant applications or mobile websites using Google Pay. We are continuously working to onboard more issuers and merchants to support Interac Debit with Google Pay.

Interac debit cards issued by participating financial institutions are eligible to be added to Google Pay. Please check with your financial institution for more details.

For Interac Debit with Google Pay transactions, an Interac debit cards from a participating financial institution must first be provisioned to the mobile device (within the mobile wallet) before it can be used within a participating merchant application or mobile website.

To learn more about how to use Google Pay or view a list of supported Android devices, please visit https://www.android.com/pay/.

Google Pay may be preloaded on select Google devices. If your device does not have the app, simply download it from Google Play Store.

This message means that Google has not updated your device yet which is affecting your ability to add your debit card. Google will send you an email and you will receive a notification on your device when it has been updated. You will then be able to add your debit card from a participating financial institution to use Interac Debit on Google Pay.

You can use Interac Debit on Google Pay to make payments in stores with supported devices wherever Interac Flash payments are accepted. Just look for the Interac contactless logo or the contactless symbol at checkout.

You can also use Interac Debit with Google Pay to make a purchase within the mobile application or mobile website of select merchants who have integrated with Interac and Google Pay. We are continuously working to onboard more issuers and merchants to support Interac Debit with Google Pay.

For instructions on how to add an Interac debit card to a mobile wallet, please visit the Interac Google Pay page. For your debit card to be accepted as a method of payment, your financial institution needs to be a participating issuer.

Note: To enable Interac Debit transactions in merchant apps or mobile websites, you will need to add your Interac debit card to your Google Pay wallet first. This process takes place using the Google Pay app on your device.

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or SMS.

You may also confirm your identity by logging into your financial institution’s mobile banking app, if that functionality is available.

Your one-time Verification Code may expire if you are not able to enter it in a designated time frame set by your financial institution.

You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number on the back of your Interac debit card or using your financial institution’s mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Interac debit card.

You may also be asked to call your bank who will activate your Interac debit card on Google Pay on your behalf.

No, you do not need an Interac debit card to be contactless enabled to use Google Pay. However, your financial institution determines if your Interac debit card is eligible to be added.

Yes.

Your financial institution determines how many devices you can add your Interac debit card to. Please check with your financial institution for more details.

Note: your card must be added to each device separately.

Yes. Please check Google to see which devices and versions are supported.

There are two options to remove your card from your device:

1. From within the Google Pay application, select the card to remove, click “More”, and select “Remove”
2. Using Android’s “Find your phone” service

You can also contact your financial institution directly to suspend your card on your behalf.

For your security, when you add your Interac debit card to Google Pay, a Device Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your Device Account Number is used to make purchases with your card using Google Pay so that your real card number is not exposed to third parties.

For POS transactions, at checkout, unlock your Android device (if you wish to pay using a non-default card, you will need to open the Google Pay app and select the desired card instead) and simply hold the back near the contactless terminal . Your phone will beep or vibrate, and you will see a confirmation mark on the screen.

For Interac Debit with Google Pay transactions, you will need to click ‘Google Pay’ at checkout, select your Interac debit card, click ‘Pay Now’, and provide your authentication to complete the purchase.

Note: your financial institution must be supporting Interac Debit with Google Pay.

All transactions made using your Interac debit card in your mobile wallet will appear on your bank account statement and your mobile wallet’s transaction history.

Returning an item purchased with your mobile device is just like any other return; you will need your receipt (depending on the merchant’s policy). Depending on the merchant’s policy, you may need to use the contactless reader when instructed by the merchant. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, visit the “Google Pay” app on your device, select the card, and scroll down to see the ”Virtual Account Number”.

You will receive transaction notifications for your Interac debit card on your phone letting you know about Interac debit purchases made with Google Pay. You can turn your notifications on or off by adjusting the settings within the Google Pay app.

If you are having difficulty with your Google Pay software, please contact Google (google.com/google-pay). If you are having difficulty with your mobile device’s hardware, please contact your phone provider or manufacturer.

When you add your Interac debit card to Google Pay, your account information is not shared with Google. To set up Interac Debit on Google Pay, certain information will be encrypted and then used to generate a unique device account number that is securely stored on your device. Each transaction is authorized with a one-time token so you can pay in confidence knowing your personal financial information is never shared with merchants. Your account number will never be shared with Google. If you have any additional questions about your device’s security features or how Google uses other information, please contact Google directly.

Your Interac debit card in Google Pay is protected by your mobile phone’s standard device unlock (ie. fingerprint, passcode, pin or pattern). For your security, all POS transactions require you to unlock your phone in order to authenticate your purchase. For Interac Debit with Google Pay transactions, you must provide your device unlock authentication for each successful purchase. 

All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Interac Debit with Google Pay transaction information can be found when you select your Interac debit card within the Google Pay app.

You will need to contact your financial institution.

If you believe your device or Google Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

If the remote location access for your device is turned on in advance, you can remotely lock your device or do a factory reset, take these steps:

• Sign in to your Google account on your device in order to use the “Android Device Manager”
• To turn on the location access from your device’s apps menu, open “Google Settings” and touch “Security”
• Under “Android Device Manager”, move the switches next to “Remotely locate this device” and “Allow remote lock” and “Factory reset” to the “On” position

You can make an in-store transaction even if there is no cellphone reception.  You will be unable to make an in-app purchase with no cellphone reception as the application will require either WiFi or cellphone data access.

• Interac Debit with Google Pay enables you to make purchases with your Android device when purchasing in-store with a contactless terminal.
• An in-app or in-browser payment leverages your Interac debit card within your mobile wallet. When you are ready to pay, the app or browser communicates with your mobile wallet, which tells it that your Interac debit card is provisioned in your wallet, so the payment can be authorized like it would be if making a mobile payment in-store/point of sale.
• With online payments, the payment is authorized through online banking. The merchant redirects you to a gateway page where you select the financial institution they would like to pay from. Interac then redirects your browser to your financial institution’s online banking site for authentication.”)

These are two different wallets with different experiences, but both allow you to make Interac Debit transactions safely and securely.

No. There is no fee associated with using Interac Debit with Google Pay itself. However, some merchants may charge a flat fee for debit transactions in general at the point-of-sale terminal.

When you add your Interac debit card to Google Pay, you are provided with a limited amount of tokens to be used for transactions. These tokens are replenished using a small amount of cellular data (or Wi-Fi if a connection is available) for future purchases.

Once your Interac debit card is added to your Google Pay Wallet, you do not need cellular data or a Wi-Fi connection to make a point-of-sale transaction, but you will require it for in-app/in-browser transactions to access the merchant app/website.

Interac Debit on Samsung Pay is an easy way for consumers with Interac debit cards issued by participating financial institutions to make fast and secure mobile contactless payments using Samsung Pay.

Canadian Interac debit cardholders can now use an eligible debit card from their participating financial institutions with Samsung Pay to pay at stores that accept contactless payments.

At this time, Interac debit cards issued by Canadian participating financial institutions are eligible to be added to Samsung Pay. Please check with your financial institution for more details.

Samsung Pay works on most Samsung NFC-capable devices, click here for a list of the supported devices and software requirements. NFC-capable devices enable you to make purchases at merchants who displays the contactless symbol at checkout.

You can get the Samsung Pay app by downloading it from Samsung Galaxy Apps.

You can use Interac Debit on Samsung Pay to make payments in stores with supported terminals wherever contactless payments are accepted.

Add an eligible participating financial institution’s Interac debit card to Samsung Pay by opening the Samsung Pay app on your eligible device and signing into your Samsung Account. Enter a pin, so you can authenticate future purchases.

Next, use your device camera to recognize your Interac debit card or enter the card details manually. Then, enter any additional information as required. For security reasons, a verification step may be needed to enable your virtual card.

If you have a co-badged card (Interac logo and another payment brand’s debit logo on front of bank card), you will need to enter your Security Code (CVV) and accept your financial institution’s Terms of Use for Samsung Pay when you add the card to Samsung Pay.

You may also be subject to your financial institution’s or Samsung’s own terms & conditions.

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or SMS if available.

You may also confirm your identity by logging into your financial institution’s mobile banking app, if that functionality is available.

Your one-time Verification Code may expire if you aren’t able to enter it in a designated time frame set by your financial institution.

You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number of the back of your Interac debit card or using your financial institutions mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Interac debit card.

You may also be asked to call your bank who will activate your Interac debit card on Samsung Pay.

No, you do not need an Interac debit card with contactless payments to use Samsung Pay. However, your financial institution determines if your Interac debit card is eligible to be added.

Yes

Your financial institution determines how many devices you can add your Interac debit card to. Please note that your card must be added to each device separately.

There are three options to remove your card from your device:.

1. From within Samsung Pay, select the card you want removed and select “delete card”.
2. Using Samsung’s “Find My Mobile“, you can remotely lock or erase Samsung Pay (removing all the payment cards registered on your device).
3. You can also contact your Issuer directly to remove or suspend your card.

For your security, when you add Interac Debit to Samsung Pay, a Virtual Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your virtual card number is used to make purchases with your card using Samsung Pay.

At checkout, swipe-up from the home button or open the Samsung Pay app from the home screen. Select the card by swiping left or right and then use your fingerprint, Iris or 4-digit PIN for authentication. Hold the back of your Samsung device near the contactless terminal.

Interac Debit transactions with Samsung Pay will appear the same as any contactless payments do today.

Depending on the store’s policy, you may need to use the contactless reader when instructed by the merchant. When using your mobile device, the merchant will not recognize your physical card but will access the associated Virtual Card Number to credit your return. Returning an item purchased with your mobile device is just like any other return; you will need your receipt (depending on the merchant’s policy).

You will receive transaction notifications on your device pertaining to successful transactions made using Interac Debit on Samsung Pay. You can turn your notifications on or off by adjusting the settings within Samsung Pay.

If you are having difficulty with your software or hardware, please contact Samsung Pay.

To help provide the best Interac Debit on Samsung Pay experience, certain account information will be displayed on your device but not your full account information. We will never share your card number with Samsung. If you have any additional questions about your device’s security features, please contact Samsung directly.

Your Interac debit card in Samsung Pay is protected by Samsung’s device unlock – fingerprint, iris or PIN. For your security, all transactions will require you to unlock your phone in order to authenticate your purchase. All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Interac Debit on Samsung Pay transaction information can be found when you select your Interac debit card within Samsung Pay.

Yes. Newly issued cards will need to be added to Samsung Pay.

If you believe your device or Samsung Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

You can also use Samsung’s “Find My Mobile” to remove or lock the Interac debit cards added to Samsung Pay.

Yes. You are able to make a limited number of transactions if you do not have internet connectivity.

Yes. The Interac debit card in Samsung Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Debit for online payments is available within select merchant’s online checkout page, allowing you to pay by Interac Debit.

Both allow you to make Interac Debit transactions safely and securely however and whenever you choose.

No. Interac Debit on Samsung Pay is the same as a contactless payment transaction. Please check with your financial institution.

Please contact your bank or credit union to troubleshoot any transactions. The contact information is usually on the back of your Interac debit card.

Please visit our business page or FAQ for business for more info.

Please contact your participating bank or credit union to inquire about your limits.

Your Interac Debit for online payments are handled by your bank or credit union, which would be the one to charge fees, if there are any. Contact your participating bank or credit union for further information.

It’s easy to get access to online banking. Your bank or credit union can help you. Visit their website to sign up, or contact them directly for details.

If you have questions or concerns about your online purchase (e.g., delivery time, shipping options, product information, etc.), please contact the retailer.

If you have questions or concerns about your Interac Debit for online payments (e.g., fees, limits, your account, processing times, etc.) that cannot be answered by the merchant, please contact your bank.

In a proven case of online fraud, you are protected by the Interac Zero Liability Policy, which ensures that your funds are returned to your bank account by your financial institution.

If you reach the confirmation screen and receive a confirmation number, your payment was completed. If you confirmed your payment in online banking, but did not get redirected to a confirmation page on the online retailer’s website, one of two things may have happened:

1. The online retailer received your payment, but for some reason you were unable to see the confirmation page.
   If you receive a confirmation email or are able to view the transaction in your order history on the retailer’s website, this was likely the case.
2. The online retailer was not able to receive your payment.
   If this was the case, your payment will be re-credited to your account within minutes.

You can also contact the online retailer to confirm whether your order has been processed.

This will vary according to the retailer’s policy. Always check the return/refund policy prior to making your purchase. Some online retailers will process a refund where funds are credited back to your bank account.

In a proven case of online fraud, you are protected by the Interac Zero Liability Policy, which ensures that your bank or credit union returns funds to your bank account. We work with all stakeholders and security experts to maintain the ongoing security of our services, but there are actions it’s important for you to take as well. Regularly check your bank statements to verify that all transactions have been properly documented. If entries are not accurate – for example, there are missing or additional transactions – you should immediately contact your financial institution.

Interac Online Acquirers

A co-badged card is easily recognized by the logos on the bottom right corner. If you see the Interac logo along with the logo of a competing payment brand, you have a co-badged card. While your co-badged debit card enables you to use Interac Debit to access funds at ABMs and shop, it uses a competing network for online payments instead of Interac Debit for online payments. This was a decision made by your financial institution. As such, inquiries about the absence of Interac Debit for online payments functionality should be directed to your financial institution.

ABM withdrawals are a convenient way to withdraw cash from your account at any Automated Banking Machine (ABM) displaying the Interac logo, anywhere in Canada.

Interac has made accessing your account for cash withdrawals convenient with more than 70,0000 ABMs available across Canada, many of which are available 24 hours a day.

Please contact your bank or credit union to troubleshoot any ABM transactions. The contact information is usually on the back of your Interac debit card.

Please visit our business page or FAQ for business for more info.

ABM withdrawals is safe and secure. This is ensured by your chip-enabled card and confidential Personal Identification Number (PIN). Adherence to strict Canadian and international security standards are required by all Interac Network Participants.

An Interac debit card cannot be used to withdraw cash at an ABM without the cardholder’s PIN. This ensures the security of funds when a card is lost, stolen, or illegally copied.

It’s important to immediately report lost or stolen cards to your bank or credit union to avoid any possible liability.

ABM withdrawals allow you to withdraw cash from your account at an ABM. To begin a transaction, insert a valid Interac debit card into any ABM that displays the Interac logo and follow the prompts on the screen:

• Enter the withdrawal amount
• Select the account from which you wish to withdraw funds
• Enter your Personal Identification Number (PIN)
• Provide a final okay to send the request for the cash withdrawal

The Interac® sign-in service is a convenient way to access online services – instead of creating and managing a new username and password for accessing online services, you access them by signing in with your online bank, or other participating “Sign-In Partner”.

Government Sign-In by Verified.Me is now Interac® sign-in service. For you, nothing changes. You can continue to rely on the same secure sign in service with the financial institution that you have used for many years.

Anyone who uses the online services offered by one or more of our Sign-In Partners can benefit from the service.

• Credentials: Typically, this is your username/password combination that you would use to sign in, to access services.
• Sign-In Partner: an organization that has partnered with Interac Corp. and its subsidiaries to offer you the Interac sign- in service. Sign-In Partners may include financial institutions amongst others.
• Financial Institution: Commonly referred to as your bank. Financial institutions also represent credit unions, and other banking institutions.

Yes, you can change your Sign-In Partner at any time. However, some government services require you to complete identity proofing questions when you use a new Sign-In Partner.

When visiting a government services website that offers the Interac sign-in service, you will see the option to sign in using one of the Sign-In Partners listed.

Note: The first time you use Interac sign-in service to sign into a government service, you will be asked to either accept or decline the Terms and Conditions of Use and the Privacy Notice. Once you accept the Terms and Conditions of Use and the Privacy Notice, you will be directed to the government services website.

Yes. By using the “Switch My Sign-In Partner” link, you will be guided through the process of switching from one Sign-In Partner to another.

Yes, you can use the same Sign-In Partner to access any number of government services that offer the option of using the Interac® sign-in service.

Yes, you can use multiple Sign-In Partners.

Yes. Using the Interac® sign-in service means that you don’t have to remember or manage a variety of usernames and passwords as your “login credentials.” Simply use the username and password that you frequently use to log in to your chosen Sign-In Partner.

First, you need to register with your financial institution for online banking. Once you’re registered, you can start using your personal bank log-in and password to access secure service sites. 

If you don’t currently use any of the Sign-In Partners listed, you will need to return to the government site and use an alternative government credential. The list of Sign-In Partners supported will grow with time, so please check back soon.

If you cancel your online access privileges with your bank, you will no longer be able to access the online government site using your cancelled username and password. Only active online banking usernames and passwords can be used to access this service. You can choose to switch your Sign-In Partner or use any existing login options offered by the participating government services website.

No. You are neither required nor obligated to use this service. You can still use any existing login options offered by the participating government services website.

Interac® sign-in service does not support sign-in for business accounts to sign-in to government services at this time.

Interac® sign-in service does not support sign-in for joint accounts to sign-in to government services at this time.

Contact your Sign-In Partner for assistance.

If you change your login information, then you must use this new login information to access the online government sites.

The Sign-In Partner does not provide any identity information to the Government and simply validates your username or card number and password.

Each department and agency has a unique registration process. If this is your first time accessing the participating online government services using a Sign-In Partner, you must identify yourself by providing some personal information.

The same applies to any other participating services.

The Interac® sign-in service acts as an information filter between the online service and Sign-In Partners. By brokering the connection, the Interac® sign-in service ensures that no government service knows which Sign-In Partner you are using, and that no Sign-In Partner knows which government service you are accessing.

The only information your Sign-In Partner supplies to the Interac® sign-in service is a randomly generated number created on your first use of the system and returned to the Interac® sign-in service with each subsequent use of the system. No passwords or personally identifiable information (i.e.: name, address, date of birth, etc.) are exchanged during this process. For more details about how the Interac® sign-in service uses your information, please refer to our Privacy Notice.

Your information resides with your trusted Connections and the trusted service providers with which you have chosen to share it.  To update your personal information, please contact the participating organization that holds your information, such as your financial institution.

You must have an active and eligible online bank account with one of the participating financial institutions to enroll in and use the Interac verification service. Please reach out to the participating financial institution with which you want to create your account to learn what is required to create an Interac verification service account with them.

BMO
CIBC
Desjardins
RBC
Scotiabank
TD Canada Trust

If you delete your Interac verification service account you will no longer be able to log in, access Connections or view your transaction history. Deleting your Interac verification service account does not impact your personal information at any of your Connections or the places you have shared it with through the Interac verification service.

If you wish to use the Interac verification service again in the future, you will need to complete the Interac verification service registration process and re-establish your Connections.

In the mobile app:

To delete your Interac verification service account

Open the Interac verification service app.
Authenticate yourself using your online and mobile banking credentials with the financial institution you used when enrolling in the Interac verification service  
Once you have successfully logged into Interac verification service, tap on “Settings” at the bottom of the Home screen.
On the Settings screen, tap “Delete Interac verification service account.”
The Interacverification service app will display the consequences of deleting your account. Tap “Delete Interac Verification Account” to continue.
You will be prompted to confirm your decision. Tap “Delete.”
For your protection, you’ll be asked to re-authenticate yourself using your online and mobile banking credentials with your financial institution. Tap “Go to [financial institution’s Name].”
Following successful authentication, Interac verification service will process and complete the deletion of your Interac verification service account.
Once the process has been completed, Interac verification service will display a message informing you that your account has been successfully deleted.

With the browser-based version of Interac verification service:

To delete your Interac verification service account:

https://app.verified.me/wc/D

A message will display, informing you that you are about to delete your Interac verification service account and explaining what this action entails.
If you wish to proceed with account deletion, click on the red “Delete Interac verification service account” button at the bottom of the message.
After clicking the “Delete Interac verification service account” button, a pop-up message will appear, asking you to confirm your decision. If you wish to proceed, click on “Delete”.
After confirming that you wish to delete your Interac verification service account, you will be asked to authenticate with your financial institution to complete the action. At this point, the logos of the participating financial institutions will be displayed. Click on the logo of the financial institution with which you have set up your Interac verification service account to continue.
After selecting your financial institution, you will be redirected to their website to authenticate with them.
Following successful authentication, a message will appear, confirming that you have successfully deleted your Interac verification service account.

You must have an active and eligible online bank account with one of the following financial institutions: BMO, CIBC, Desjardins, RBC, Scotiabank and TD, to enroll in and use the Interac verification service.

The Interac verification service helps you verify your identity quickly and securely from your computer or mobile device. The service allows you to access digital services by establishing a connection with your financial institution using your existing login information. You will be asked for your consent before any personal information is share. 

You can use this service if you have an account with any of the participating financial institutions.

Using Interac verification service allows you to quickly verify your identity in a convenient, secure and private way without the need to verify in-person. You use the personal information that you have already consented to and provided to your financial institution to verify your identity.

Save time.
No need to compile documents or go in-person to register for services or products. With the Interac verification service, you can use personal information you have already provided to other trusted Connections, like your financial institution, to quickly get access to digital services and products you need.
Secure and private.
The Interac verification service uses strong security protocols to protect personal information from being identified, accessed or misused. The Interac verification service has no access to the credentials you use to log in to your financial institution.
Reduce oversharing information about yourself.
Conveniently manage where, when and why your information is shared through the Interac verification service — only ever with the participating service providers you choose.
Helps you stay in control of your personal information.
You’ll be asked to provide consent for every transaction.
It’s free.
You don’t have to pay for downloading or using the Interac verification service. *Data rates may apply.

No, the Interac verification service is available for eligible users in Canada free of charge. You do not have to pay to use the Interac verification service*.

*Data rates may apply.

BMO, CIBC, Desjardins, RBC, Scotiabank and TD are participants in the Interac verification service network. You must have an active and eligible online bank account with one of these financial institutions to use the Interac verification service.

The Interac verification service operates alongside traditional methods of authentication to give Canadians choice in how they participate in the digital economy. If you do not wish to verify your identity with the Interac verification service, please contact the requesting organization to inquire about completing the necessary registration process in-person.

If you have any questions or concerns, please visit https://www.interac.ca/en/verification-service/

To create an Interac verification service account profile via the mobile app:

Download the free* Interac verification service app from the App Store (iOS) or Google Play (Android).
Once the app is installed, tap on the Interac verification service icon to open it.
Tap “Sign Up” and follow the instructions to complete the registration process.

*Data rates may apply.

To create an Interac verification service account for web-based use (where available), simply click on the “Interac verification service ” button (if applicable to partner website) and follow the instructions to complete the registration process.

To complete your enrolment and begin using the Interac verification service, you’ll need to have an active and eligible online bank account with a participating financial institution.

Once you have signed in, you will be presented with the types of personal information your financial institution will make available for you to share through the Interac verification service with your consent. You will have an opportunity to confirm the accuracy of the information and that you want to use this information in association with your Interac verification service account.

After creating an account profile, each time you use the Interac verification service, you will be asked to authenticate yourself using your online or mobile banking credentials with the financial institution you’ve selected. 

To sign up with Interac verification service mobile app, you’ll need a mobile device running iOS (12+) or Android (6+) and an eligible account with one of the following financial institutions: BMO, CIBC, Desjardins, RBC, Scotiabank or TD. An eligible account means that you have an active deposit account (i.e. chequing/savings), credit card or loan account, and you are registered for online banking. Please note, eligible accounts may vary by financial institution.

You must have an active and eligible online bank account with one of the following financial institutions: BMO, CIBC, Desjardins, RBC, Scotiabank and TD, to enroll in and use the Interac verification service.

Other financial institutions not listed will be added in the future.

Your trusted Connections have personal information about you through existing products and services you have with them (such as your financial institution). Once you’ve connected with them through the Interac verification service, you can authorize Interac to share the information they are requesting to help you access a new service or product offering.

To access your Interac verification service account in the mobile app:

Launch the Interac verification service app.
Tap “Take Me to [your financial institution]”.
Authenticate with your financial institution.
After successful authentication, the Interac verification app home screen will be displayed.

To add a Connection:

Look for “My Connections” on the Home screen or tap on “Me” at the bottom of the screen.
On the “Me” screen, tap on the plus (+) sign or “Add Connections” to add a new Connection.
The Interac verification service will display a list of available network participants that you can connect with and add to your Interac verification service account. Select one by tapping on the plus (+) sign near to the service.
Complete any additional steps, as prompted.

Your information resides with your trusted Connections and with the trusted service providers with which you have chosen to share it. If you want to disconnect certain information from your Interac verification service account, you can remove the Connection that holds that information from your profile.

OR

To stop using the Interac verification service entirely, you can delete your Interac verification service account view.

To delete a Connection:

Open the Interac verification service app.
Authenticate with your financial institution.
Once you have successfully logged into the Interac verification service, look for “My Connections” on the Home screen or tap on “Me” at the bottom of the screen.
Interac verification service will display the “Me” screen, where you can review your existing Connections. Tap on the Connection you would like to delete from your account.
Interac verification service will display the “Connection Details” screen. Tap on the garbage bin icon at the top of the screen.
Confirm that you want to delete that Connection from your account by tapping “Delete”. Please note that, for your protection, you may be asked to re-authenticate with your financial institution before the action can be completed.
From this point, Interac verification service will process and complete the request.
Once the request has been completed, you will be returned to the “Me” screen. The Connection you selected and related information to will no longer be available for use through the Interac verification service.

Some organizations may request information about your mobile device. If you authorize a transaction requesting this information, it will come from your telecommunications provider.

If your profile is in an active state (e.g., not suspended and not deleted), you may be able to restore your profile to a new device.

Download the app on the new device.
Launch the Interac verification app and tap on “I have an Interac verification service account “.
Follow the instructions provided to restore your Interac verification service account to your device.

Restoring your account will allow you to access your Activity Log on the new mobile device, showing your previous activity details. However, you may be required to re-establish some or all your Connections. The Interac verification service currently supports one account on a single device. This means that once you successfully restore your Interac verification service account to a new mobile device, you will no longer be able to access your account on the old one. 

For security reasons, you will be asked to authenticate with your financial institution each time you open the Interac verification app and also after a period of inactivity.

Currently, Interac verification service account only supports the use of one financial institution per user account.

Yes, joint accounts are supported when:

Each person on the account has a unique login account, and
Unique personal information (name, date of birth, etc.) for that login.

For example, Bruce Smith and Sheila Smith share a joint account. Sheila has her own login username and password, and her name is shown as “Sheila Smith” when she logs in. Sheila would be eligible to sign up for the Interac verification service through this account.

Personal banking accounts are only currently eligible for Interac verification service.  An eligible account means that you have an active deposit account (i.e. chequing/savings), credit card, or loan account and you are registered for online banking. Please note, eligible accounts may vary by financial institution.

Currently, the Interac verification service supports a single device per user account. If you’re using the mobile app, you can only have an account on one device. When using the browser-based version of the service, you will be prompted to complete transactions you have started via web browser on the mobile device on which you have the Interac verification service app installed, if applicable.

You can easily view your transaction history in the app. Tap on the activity button at the bottom of the home screen.

Please note that it is currently not possible to review transaction history on the browser-based version of the service.

No, your personal information is not automatically updated. If you update your information with a Connection, that Connection may choose to make that update reflect in your profile immediately or with some delay, based on that Connection’s processes. Please review your information before sharing to ensure that the data is reflected accurately. Otherwise, contact your financial institution for more information.

For login issues with your financial institution account (expired password, forgot password, lockout), please contact the financial institution you are you are using when enrolling in the Interac verification service.

For support on the Interac verification service app, you can speak to a customer support representative by calling 1-844-778-5409.

To sign out of the app, go to Settings, go to “Account & Authentication” and tap on “Sign Out of Interac verification service”. You will be prompted to confirm your decision by tapping “Sign Out”.

If you can’t access the Interac verification service app via the App Store or Google Play, double-check that your store region is set to Canada. This is the only region where you can download and use the Interac verification service app.

In the mobile app, you can see what happened in your activity log. If your activity log indicates that the information was delivered to the network participant, then contact that network participant to resolve the issue (the transaction was successful). If the transaction log indicates the transaction failed at some point, your information was not delivered to the network participant.

If you can no longer access or use the app, you can easily reset it. To reset the Interac verification service app, go to “Settings” in the app, then tap on “Support” and you will see the “Reset App” option. Tap on this option to reset the app.

Please note that you will need to sign up or link your account again to continue using the app after reset. This action cannot be undone.

Changing the language of the Interac verification service app can be done by setting your language preference in your device’s Settings menu and cannot be done from within the app. 

The app currently supports both English and French.

Sometimes your mobile device may prevent the Interac verification service application from opening a link and force open your native browser instead. Simply follow the steps on your device’s screen to adjust the settings and prevent this from happening in the future.

First, make sure you have the Interac verification service app installed. If you do, go directly to Step 1.

Step 1: If you see the Safari icon in the lower right corner, please select it.

Step 2: Pull down and then select OPEN to open the Interac verification service app. If you pull down and don’t see the Interac verification service app banner, please go to Step 3.

Step 3: If you didn’t see the Interac verification service app banner in Step 2, Please click the BACK TO INTERAC VERIFICATION SERVICE button.

Sometimes your mobile device may prevent the Interac verification service application from opening a link and force open the native browser instead. Simply follow the steps on your device screen to adjust the settings and prevent this from happening in the future.

First, make sure you have the Interac verification service app installed. If you do, go directly to Step 1.

Step 1: Select the “More Options” icon

Step 2: Select “Open in Chrome”, or your favourite browser

Step 3: Open the android settings app then select Apps

Step 4: Select the ” Interac verification ” app

Step 5: Select “Set as default”

Step 6: Select “Go to supported URLs”

Step 7: Change “Always Ask” to “In this app”

Step 8: Close both ” Interac verification service” and “Chrome” applications, retry the flow and see if the issue occurs again Step 9: Still having the same issue? Please use the report a problem form and our support team will assist you

Your JavaScript function must be enabled for pages to display properly. If you are receiving this error, you will have to enable JavaScript in your device’s browser settings for the Interac verification service app to function normally.

Your credit score and information about your credit score can be obtained through an Equifax® Consumer Credit Report. If you have any questions or concerns, please contact Equifax directly at 1-800-465-7166.

Equifax Canada Co. (“Equifax”) is a registered Canadian credit bureau that maintains your Canadian consumer credit file. Your Canadian consumer credit file has, with your consent, been made available to you by Equifax through the Interac verification service to provide you with your educational Equifax consumer credit report. The Equifax Consumer Credit Report provided here is current as of the date indicated on your report.  For a full copy of your up to date Equifax credit file, please contact Equifax directly.

The Equifax Risk Score (or Equifax credit score) is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties will take into consideration other information in addition to a credit score when evaluating your creditworthiness.

™ Equifax is a registered trademark of Equifax used under license.

If you reset the Interac verification service app on your device or move your account over to another one, you may see these “Unknown” labels for transactions performed prior to a recent update that the service underwent. All transactions made after this update should be labeled with the appropriate entity name.

Just like the mobile app, the browser-based version of the Interac verification service is designed to give consumers another way to help verify their identities to access services and products. Here’s a quick guide to help you to start using the service via web browser:

Click on the “Sign up with Interac verification service ” button when you see it as an option on a webpage to use Interac verification service to access the desired services or products. You will be redirected to the Interac verification service website to begin the process.
Select a financial institution with which you have an active and existing online banking relationship. You will be redirected to your financial institution to sign in. 
Review the information required by the service provider, and consent to share that information.
Your personal information will be shared with the service provider to help verify your identity.

Yes, you will still be able to use the service via your web browser. It is, however, recommended that you download the mobile app to help simplify the process of completing transactions, be able to view your activity log and Connections and more. Please note that if you already have a mobile app account, you will be prompted to complete transactions started on web browser with the mobile app.

No, the service will detect whether you’ve already created an account before and remember any Connections you have previously added for your convenience. This allows for a smoother user experience for subsequent transactions.

No. Currently, you can only view your Connections and transaction history in the mobile app and not via the browser-based version of Interac verification service.

For security reasons, a user of the Interac verification service can only have an account on one device. If you already have the Interac verification service app and wish to complete a transaction on the browser-based version of the service, you will be instructed on how to complete the transaction via the mobile app on your mobile device. If you don’t have the mobile app installed, you will still be able to complete the transaction with the browser-based version of Interac verification service via your web browser. It is, however, recommended that you install the app to help simplify these processes going forward.

Yes. The Connections and transactions that you make via the browser-based version of the Interac verification service saves and will transfer over to the mobile app once you download it on your mobile device and register your profile on that device.

If you created an account in the mobile app, the service recognizes this and you will need to redownload the app and continue with your existing account. This is for security reasons; you can currently only have an Interac verification service account on one device. It’s important to note that deleting the mobile app does not automatically delete your account. To actually delete your Interac verification service account from within the app, please find the instructions here: https://www.interac.ca/en/consumers/support/faq-consumers/#faq_98667

To review the information that would be shared from your Connections in a transaction, click on the downward facing arrow beside the Connection from which the information will be shared. This will display the information that is going to be shared.

When adding a new Connection, the fields of information that will be shared will be displayed.  If you want to see the specific information that will be shared, click the “Review” button.

Through the browser-based version, you’re able to complete activity on a web browser – where the service is available – and have your progress saved for future visits. 

The mobile app offers a more personalized experience.  The mobile app enables you to help verify your identity to access certain services and products, and provides access to more features, including the ability to see your Connections and transaction history. With the mobile app installed, you’ll also be able to use it to expedite processes that were started using the browser-based version of the service. We recommend installing the app to ensure you get the best possible experience with the Interac verification service.