When someone sends you an Interac e-Transfer, you will receive a notification via email or text message indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name
• Transfer amount
• The notification also includes 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 financial institution, 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.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

See our Interac e-Transfer demo

To deposit a transfer, you can either use online banking or register with your account number on our secure website. The fastest way to deposit an Interac e-Transfer is through online banking at a participating financial institution.

NOTE: As of July 1, 2018, there is no longer an option to deposit Interac e-Transfer® transactions offline (without access to online banking) . You are encouraged to deposit Interac e-Transfer transactions via online or mobile banking at one of the participating financial institutions.

For a limited time you can still request history of your deposited transfers by using the customer support form or contacting the support team at etransfer_support@interac.ca.

Currently the Interac e-Transfer service is only available to those who bank at a Canadian financial institution and have a Canadian currency account. You will not be able to deposit your Interac e-Transfer to a foreign bank account. If you have received an Interac e-Transfer and you do not have a Canadian bank account, 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 sender will receive a notification to reclaim the funds.

Yes. Click on the link in the notification message from any web-enabled handset and you will be taken to the mobile gateway page where you can select your financial institution and proceed to deposit your transfer. You can also type the link into any Internet browser and deposit your transfer on any computer.

Yes. Anyone using a web-enabled mobile device can use the link provided in the notification message, login to online or mobile banking, and deposit a transfer. If your mobile device is not web-enabled, or you'd prefer not to deposit your transfer on your mobile device, type the link provided into your browser on your computer to deposit your transfer.

There may be a fee from your financial institution for using the Interac e-Transfer service. Please check with your financial institution directly to determine what fees, if any, they may charge for receiving.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still receive transfers to any Canadian bank account. You will need to register and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Standard text messaging charges apply.

100001 is the short code address from which all text Interac e-Transfer notifications originate.

Short codes (also known as short numbers) are special telephone numbers, significantly shorter than full telephone numbers that can be used to address text messages to or from mobile phones. Short codes are designed to be easier to read and remember than normal telephone numbers. Like telephone numbers, short codes are unique to each operator at the technological level.

Standard text messaging charges apply.

If your mobile phone is not web-enabled, or if you would prefer not to deposit your transfer using your mobile phone, type the link provided into your browser on any computer and follow the instructions to pick up your transfer. Anyone using a web-enabled mobile device can use the link provided in the notification message, login to online or mobile banking and deposit a transfer.

Once the notification arrives, you have almost instant access to the money, provided you bank online with one of the participating financial institutions. Click the link that appears in the notification to login to your online banking website and you will be able to access your funds. If you cannot click on the link, cut and paste or type your link into your browser.

If you do not wish to sign up for online banking, or you bank with a financial institution that does not yet offer Interac e-Transfers, you can still receive transfers to any Canadian personal bank account. You will be required to register with Interac by providing your bank account information in order for the money to be deposited into your bank account. A transfer collected this way usually takes 4 - 6 business days to process.

Depending on where you bank, the deposit could take several additional days due to factors such as holiday schedules or manual processing. Smaller, regional financial institutions often take longer to process these transfers.

Also, if you enter any financial information that cannot be verified it can take up to 10 days before your financial institution returns the funds as undeliverable. In this case, we will contact you by email and ask you to correct your account information.

Some participating financial institutions offer the Interac e-Transfer service to their small business online banking customers. Please check with your financial institution to find out more.

Please note that this experience will vary by participating financial institution. If your financial institution does not provide you an option to decline the transaction, you can ignore the notifications until the transaction expires (30 days). Upon expiration, funds that are sent will be automatically redeposited into the senders account.

You can decline an incoming Interac e-Transfer by following these steps:

• Click the link found inside the email or text notification to deposit the funds
• 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 financial institution directly for more information.

When someone sends you money using Interac e-Transfer, you will receive a notification through the identifier specified by the sender. Common methods to receive these notifications are email or text messages.

You can deposit the money received via Interac e-Transfer by following the steps within a notification, selecting your financial institution, logging into your online banking or mobile banking application, answering the security question and selecting the bank account to deposit the funds into.

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 transaction will automatically cancel.

You can decline the Interac e-Transfer transaction by answering the security question and then declining within your online banking or mobile banking application.

If your contact sent you the wrong amount, please reach out to them directly. Alternatively, you can answer the security question and decline the transaction with a message that would be sent back to the sender.

Always be careful prior to clicking on any links within a notification. Only action on email notifications when you were expecting someone to send you money. If you suspect a notification may be fraudulent, forward the notification to phishing@interac.ca.

Always be careful prior to clicking on any links within a notification. Only action on email notifications when you were expecting someone to send you money. If you receive a notification you weren't expecting, and you suspect it may be fraudulent, do not click on any links and forward the notification to phishing@interac.ca.

When someone sends you money using Interac e-Transfer, you will receive a notification via email or text message indicating money has been sent to you. The notification includes information about the transfer including:

• Sender's name
• Transaction amount
• Link to deposit your money to your bank account

Simply click the link in the notification, select your financial institution, login to your online or mobile banking account 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. For a more efficient way to receive money, you can enable the Autodeposit feature. You can learn more about Autodeposit here. If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

Once the Interac e-Transfer notification arrives, you have almost instant access to the money, provided you bank online with one of the participating financial institutions. Click the link that appears in the notification to login to your online banking or mobile banking application, answer the security question, select the account to deposit the funds and you will be able to access your money immediately. If you cannot click on the link, cut and paste or type your link into your browser. For a more efficient way to receive money, you can enable the Autodeposit feature. You can learn more about Autodeposit here.

If you do not wish to sign up for online banking, or you bank with a financial institution that does not yet offer Interac e-Transfer, you can still receive transfers to any Canadian personal bank account. You will be required to register with us by providing your bank account information in order for the money to be deposited into your bank account. A transfer collected this way usually takes 4 - 6 business days to process.

If you decide to deposit the money by registering with us, depending on where you bank, the deposit could take several additional days due to factors such as holiday schedules or manual processing. Smaller, regional financial institutions often take longer to process these transactions. Also, if you enter any financial information that cannot be verified it can take up to 10 days before your financial institution returns the funds as undeliverable. In this case, we will contact you by email and ask you to correct your account information.

If your financial institution does not yet offer the service, or if you don't bank online, you can still deposit an Interac e-Transfer transaction to any Canadian bank account. This option is available when you click the link in the notification you get when receiving an Interac e-Transfer. If you cannot click on the link, either cut and paste or type the link into your browser. You will be required to register and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

NOTE: As of July 1, 2018, there will no longer be an option to deposit Interac e-Transfer transactions offline (without access to online banking). Customers are encouraged deposit Interac e-Transfer transactions via online or mobile banking at one of the  participating financial institutions.