Skip to main content

Help Topics


If you choose to deposit your Interac e-Transfer transaction through online banking at a participating financial institution, there is no fee. However, any financial institution may choose to change their service plans and fee structure at any time. Please contact your bank or credit union for more information on potential Interac e-Transfer fees.

Standard text messaging charges apply.

How Interac e-Transfers Work

Interac e-Transfer is a fast and convenient way to send money to anyone from within the security of your online or mobile banking service. It is a great alternative to cheques and cash.

To send money with Interac e-Transfer sign in to online or mobile banking at a participating financial institution and look for the option to send money with Interac e-Transfer. All you need is an email address and the email address and/or mobile telephone number of the person you are sending money to. Email and/or text messages carry the notification while the financial institutions use existing payment networks to transfer the money to any financial institution in Canada.

If you are registered for Interac e-Transfer Autodeposit, funds sent to you via Interac e-Transfer will be automatically deposited into your account. For more information on how to register for Autodeposit click here.

If you are not registered for Autodeposit, you can deposit money received via Interac e-Transfer through online or mobile banking. Simply click the link in the notification you receive, select your financial institution, login to online banking and deposit the money into the account of your choice.

Participating Financial Institutions

The Interac e-Transfer service is available at participating financial institutions. To send money via Interac e-Transfer, you must have access to online banking at any one of these participating financial institutions. To sign up, simply contact your bank or credit union.

Security Question

The use of the security question and answer acts as an additional security measure to validate that only the sender’s intended recipient can collect the Interac e-Transfer(s). The sender sets the question when they send the transfer. The question is something only the intended recipient can answer. The sender may communicate the answer to the security question to the recipient by phone or in person, but for security purposes, the answer to the security question should never be sent in an email or text message.


Security question answers are not case sensitive (e.g. “R” and “r” are both recognized as correct)

Security question answers cannot contain special characters, such as “@”, “&”, etc.

Declining an Interac e-Transfer

To decline a transfer, click on the link within the Interac e-Transfer notification. Following directions and prompts, log into your online or mobile banking account. If you can’t click on the link, cut and paste or type the link into your browser. You will have to correctly answer the security question associated with the transfer, and then will be given the option to decline the transfer.

If you are not registered for online banking with one of our participating financial institutions, we suggest you contact the sender to let him or her know that you do not intend to accept the transfer. The sender then has the option to cancel the transfer and reclaim the funds.

If you do not pick up the transfer within 30 days, the sender will receive a notice that the transfer has expired and will be given instructions on how to reclaim the funds.

Note: A decline is irreversible. Once you decline an Interac e-Transfer, the sender will receive a notice stating that you have chosen to decline the transfer. The sender will be asked to deposit the funds back into the original bank account. You may include an optional message to the sender with your reason for declining the Interac e-Transfer.

Reference Number

A unique Reference Number is created for each Interac e-Transfer and is used for identification and tracking of individual transfers. Should you need to contact our Help Desk for assistance, please be ready to provide this number in order for your transfer to be located faster within our system.


Our Privacy Policy informs you of our commitment to and policy on privacy. It tells you the ways we ensure that your privacy and the confidentiality of your information are protected. To review the full text of our Privacy Policy, click here.