Send, receive or request money in a snap with this simple and secure service.
Move money in real time by email or text message from anywhere to anyone for almost anything with Interac e-Transfer.
- Send money to children at college or university.
- Transfer your share of rent to your roommate.
- Pay employees, suppliers or other business expenses (on single and dual-signature business accounts).
- Bill clients and customers using the Request Money feature (on single and dual-signature business accounts).
All you need is an email address and/or mobile phone number and an account at a Canadian financial institution. Learn more.
When you initiate an Interac e-Transfer, the recipient is notified by email and/or text within 30 minutes and can accept the transfer instantly.
Limits to send and receive funds
Limits differ between personal and business memberships. For incoming transfers, the limit is $25,000 for personal and business memberships alike. For outgoing transfers, there are specific 24-hour, seven- and 30-day transaction limits for each. Click here for more information.
Safe and secure
Be secure in the knowledge that it’s not your money that travels by email or text message, just the notifications and deposit instructions. The receiving and sending financial institutions transfer the funds between each other using established and secure banking procedures.
You never pay to receive funds via Interac e-Transfer, and if you have a Perfetto. account with us, you won't pay to send funds either. Enjoy free and unlimited real-time fund transfers with our signature all-in-one account. Otherwise, it costs $1.50 per request to send.
Interac e-Transfer Autodeposit
Money sent by Interac e-Transfer can be automatically deposited into your account without you having to answer a security question. So, no need to share financial information. Learn more about how to register and set up Autodeposit.
Interac e-Transfer Request Money
Get paid easily with the Request Money feature. When you send a request for money, the recipient is notified instantly and can accept the request. Learn more including how to send follow-up reminders.
Already have an account? Log onto online banking to send an Interac e-Transfer.
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THE EXCHANGE® is a registered trademark licensed for use in Canada by Ficanex Service Limited Partnership.
® Trademark of Interac Inc. Used under license.
See our Privacy and Security section for more information on how we keep your financial information safe.