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Send Money Anytime, Anywhere

Interac e-Transfer®: Easy. Fast. Secure.

Do more with Interac e-Transfer

We’ve made Interac e-Transfer even more convenient with features like Autodeposit and Request Money.

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Send money internationally

Need to send money overseas? No problem – we’ve collaborated with Mastercard® and Western Union® so that you can send money around the world*.

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Whether it’s this month’s rent or your share of a dinner bill, send money directly and securely from your bank account with Interac e-Transfer. No cash, no cheques – it’s safe, easy and fast.

How can you use Interac e-Transfer?

Learn more about the many ways to power your everyday with Interac e-Transfer:

  • Split and send rent. Watch Now
  • Pay or get paid for babysitting. Watch Now
  • Organize a group event and easily collect payment. Watch Now

Nearly all Canadian banks and credit unions offer Interac e-Transfer. To view the full list, click here.

How-To: Send money with Interac e-Transfer

How do you send money with Interac e-Transfer? You and the recipient each need your own:

  • Account with a participating bank or credit union
  • Active email address or mobile phone number

To send, follow the easy-to-use instructions on screen:

  1. Log into your online or mobile banking app and select the account.
  2. Choose or add your recipient’s email or mobile number.
  3. Enter the amount and a security question (no need if the recipient has registered for Interac e-Transfer® Autodeposit). 

That’s all. Just make sure you safely share the security answer with your recipient. Better yet, have your recipient register for Interac e-Transfer Autodeposit for ease and added security.

Important: Make sure your security answer isn’t obvious and don’t share it in the Interac e-Transfer email notification message, Click here to learn more about security.

How-To: Accept money with Interac e-Transfer

This is what you need to do when you receive money via Interac e-Transfer:

  1. Check your email inbox, text messages, bank or credit union app.
  2. Follow the instructions to login to your account and enter the security answer.

It’s that quick to receive money and accept your funds. Make sure the sender safely shares the correct answer to the security question with you – or better yet, register for Interac e-Transfer Autodeposit.

You can use Interac e-Transfer at over 250 participating financial institutions:

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  • Participation eligibility and suspension criteria

    The below sets out a high-level summary of eligibility criteria for participation in Interac e-Transfer (the “Service”) and a summary of circumstances in which a Participant may be suspended from the Service. In addition to the eligibility criteria summarized below, Participants are required to meet all the requirements (including technical requirements) found in the Service’s governing documents. If your organization fits within the eligibility criteria below and would like to discuss participation in Interac’s services, please contact participation@interac.ca.

    The following financial institutions are eligible to become Participants on the Interac e-Transfer service:

    • providing regulated financial services in Canada as:
      • a bank; or
      • both a FINTRAC-registered Money Service Business and investment dealer regulated by the Canadian Investment Regulatory Organization;
    • a Central Cooperative Credit Society, a Cooperative Credit Association or a local cooperative credit society;
    • a foreign bank operating at least one full-service branch in Canada;
    • a foreign life insurance company; or
    • a trustee of a qualified trust.

    Suspension:
    Participants may be suspended from the Service where: the Participant no longer meets the Service’s participation criteria, the Participant has committed a material breach of its obligations, the Participant is in financial default, or the Participant is experiencing technical problems which prevent the Participant from properly participating in the Service.

Interac Tip

Register for Interac e-Transfer Autodeposit, because you have better things to do than worry about remembering a password.

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Need Help?

How long does it take to receive money with Interac e-Transfer? Find the answer to this and other common questions.

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Security is a Priority

Learn about how we keep money secure with Interac e-Transfer – and what you should do on your end, too.

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  • Disclaimers

    Number of Agent locations may vary.

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

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

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

    A test question may be required for some or all money transfers received in certain international destinations, and in those destinations, the recipient may be required to provide either valid identification or the correct answer to the test question, or both, to receive the funds. Please contact your participating financial institution for details.

    Payments will be made in the currency of the destination country (except in a limited number of instances where payment is made in U.S. dollars or other currency through a Western Union Agent in the destination country). There are no additional recipient fees, unless otherwise noted. Please contact your participating financial institution for details.

    Pre-confirmed recipient amounts will not be provided for certain countries. In any such case, you will be notified in advance. Please contact your participating financial institution for details. Western Union also makes money on currency exchange.

    *The WESTERN UNION name, logo and related trademarks and service marks are owned by Western Union Holdings, Inc. Used with permission.

    Interac e-Transfer Disclosure: Bank of Canada Prominent Payment Systems Risk-Management Standards