Leading with Security.

From privacy and fraud mitigation technology to useful tips and resources, we take security seriously.

How we help make your transactions more secure.

Secure transactions start with our privacy and fraud mitigation technology.

Interac^® Debit
Interac e-Transfer^®

Use Interac Debit confidently, knowing the right security measures are in place for your debit card:

EMV* technology to protect every transaction
Interac Zero-Liability Policy*protection offered through your financial institution for losses resulting from circumstances beyond your reasonable control**
Transaction and cumulative limits for contactless payments***
Bank and credit union commitments to good practices

And this applies to all Interac Debit-related products and services:

Chip and PIN
ABM withdrawals
Contactless payments
eCommerce payments
Cross-border debit

Want to know more about EMV and the commitment your bank or credit union makes as an Interac Debit card? View our Business Security page.

Interac e-Transfer users are protected by multiple layers of security, making the service one of the most secure money transfer services globally. When you send money using Interac e-Transfer, your money doesn’t actually travel by email or text message – just the notifications and deposit instructions. The receiving and sending bank or credit union transfer the funds to each other using established and secure banking procedures:

Authentication and transaction encryption
Financial institution authentication
Proprietary risk management

Your bank or credit union’s security measures include:

Encryption technology
Confidential user IDs and passwords
Secure login process
Security question and answer

Unexpected Interac e-Transfer notification?
Always verify requests and scrutinize messages to avoid phishing scams and other attempts at identity theft. If you receive an Interac e-Transfer text or email you weren’t expecting, confirm with the sender via another channel. If the email or text comes from someone you don’t know, or you suspect it to be fraudulent, don’t respond or click any links. If you were the victim of a fraud or scam, contact your bank and the anti-fraud centre.

Transaction limits

Experience secure and convenient Interac Debit contactless payments protected by transaction limits for the same security as traditional Chip and PIN methods:

A single card-based contactless transaction cannot exceed $250
Cumulative spending limits are set by banks and credit unions

When the cumulative spend limit is reached, you are prompted to insert your card and enter your PIN to complete the transaction. That validates you as a legitimate cardholder and resets the limits.

Zero-Liability Policy

Check your statements regularly to watch for any unusual activity. If you believe fraud has occurred, there are processes in place that you can initiate to help get your money back:

Contact your financial institution immediately.
Your financial institution will begin an investigation.
If fraud is found to have occurred, your funds will be returned to you by your financial institution.

These are the Interac Debit products that are covered under the policy:

Chip and PIN
ABM withdrawals
Contactless payments with card and mobile device
eCommerce payments
Cross-border debit

Your financial institution is responsible for reimbursing any losses it has determined have resulted from circumstances beyond your reasonable control. See your bank or credit union client agreements for the specific terms.

Tips and tricks to keep payments safe.

With tips, resources and insights, learn how you can help keep your transactions secure.

Read Tips

Stay aware, check trusted sources for information, and report fraud.

Canadian Anti-Fraud Centre

Royal Canadian Mounted Police

Financial Consumer Agency of Canada

Industry Canada

Need Help?

Get tips and fast answers on our FAQs page. Still have questions? Reach out to your bank or credit union for transaction issues.

Get Answers