Interac e-Transfer

Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada using online banking. The participating bank or credit union transfers the funds using established and secure banking procedures. Transfers are almost instant, but can take up to 30 minutes depending on your bank or credit union.

Visit our Interac e-Transfer page for step-by-step instructions on how it works.

Please contact your bank or credit union to troubleshoot any transactions in progress. The contact information is usually on the back of your Interac debit card. You can also use this Interac e-Transfer form.

Please visit our business page or FAQ for business for more info.

Request Money is a feature that allows you to send a request for funds via the Interac e-Transfer system. To learn more about Interac e-Transfer, click here. Once the request is fulfilled and the funds are available in your account, you will receive a notification via text or email. Click here for a list of participating banks and credit unions, and to learn more about the Interac e-Transfer Request Money feature. 

Yes, you can opt-out of receiving requests from a particular requestor or of the service completely, by selecting the opt-out option on the fulfillment page. You can also opt-in to receive requests from a particular individual, or for the service, by managing your preference through your financial institution’s online banking or mobile banking application. Simply navigate to the Interac e-Transfer settings or by clicking here. Please note this experience will vary by participating financial institution.

There may be a fee from your bank or credit union for using Interac e-Transfer Request Money. Please contact your bank or credit union directly.

Autodeposit is an Interac e-Transfer feature that allows users to register to have incoming Interac e–Transfer funds deposited directly into their bank account – no security question and answer needed. Click here for a list of participating banks and credit unions, and to learn more about the Interac e-Transfer Autodeposit feature.

Yes. Autodeposit enjoys the same bank-grade security standard as Interac e-Transfer. Interac e-Transfer is one of the safest digital money transfer services in the world. When you send or request money via Interac e-Transfer, the funds are transferred through established and secure banking procedures that banks and credit unions have used for years. Money never travels by email or text – these are simply used to notify you about the transaction, as well as provide deposit instructions.

The availability of the Autodeposit feature, along with the experience to register, will vary by financial institution. To register for Interac e-Transfer Autodeposit, log into your online or mobile banking account and go to your Interac e-Transfer profile settings. Once there, add the identifier (email address or text) you want associated with Interac e-Transfer Autodeposit and select the account into which you want funds deposited. You will receive a request to verify registration. The next time someone sends funds to the identifier registered, the money will be deposited directly into your account without the need to answer a security question.

Check with your participating bank or credit union for further details.

No, your Autodeposit registration will remain the same. We are only refreshing the design look and feel of the email notifications at this time.

None of your Interac e-Transfer settings in your online banking or mobile banking app, such as Contacts and Autodeposit registration, will be impacted. You can continue to use Interac e-Transfer to send and receive funds normally.

Our notifications look and feel have been updated to provide a better user experience but also to set up for more exciting future product enhancements.

Interac launched a new enhancement to the Interac e-Transfer service that will help provide Canadians with greater control in managing their individual Interac e-Transfer email notification preferences. Users will have the ability to opt-out of seeing messages in Interac e-Transfer email notifications from senders they select. Once a user opts-out, the message field and contact name of the recipient as generated by the sender will be redacted and the message field will be replaced with a standardized message.

Opting out will not impact a user’s ability to receive funds or fulfil money requests from a sender that they have opted out from. Your contacts will not be notified whether you have opted out from their sender-generated content. Note that if a user has registered for the Autodeposit feature, the user’s contact name as registered with the Interac e-Transfer service will remain unchanged and only the message field will be redacted.

No, you will continue to be able to receive funds as you did previously, either through Question and Answer or directly into your bank account if you are registered for the Autodeposit feature.

When the feature is relaunched, you can opt-out of seeing messages in the future from a sender by clicking on the opt-out link set out in the Interac e-Transfer email notification from that sender. This link is available in email notifications that have a message field. The link is located near the bottom of the email and will read “Click here to manage notification preferences from this contact.”

The link will take the user to an Interac e-Transfer confirmation page, where they can either confirm or cancel their request to opt-out of seeing messages from that specific contact. If they click confirm, they will be sent to a confirmation page which will confirm that they have opted out. The user will also receive an Interac e-Transfer email notification confirming that their preferences have been successfully updated.

Phishing is a scam where fraudsters attempt to acquire personal and/or financial information like passwords, card numbers, etc., by masquerading as a trustworthy person or business through electronic communications. Phishing is typically carried out using email or an instant message, although phone contact has been used as well.

In some instances, the fraudster sends authentic-looking emails or text messages (smishing) that appear to come from legitimate companies, requesting recipients to disclose personal and/or financial information that is later used to commit fraud.

Be suspicious if you receive a notification you weren’t expecting that money has been sent via Interac e–Transfer. Contact the sender to confirm. If you can’t confirm, please forward the notification to phishing@interac.ca immediately.

No. Interac does not hire transfer agents. There have been instances of employment recruitment scams in which Canadian job hunters are hired as agents for “foreign companies”. In fact, the job hunters may actually end up being used as “mules” to transfer stolen funds outside of Canada. Anyone who participates, even unknowingly, could be deemed an accomplice to a crime and may be prosecuted. We urge you to fully investigate any such job offers.

In the typical scenario, the “employer” poses on job recruitment websites as a legitimate foreign company looking for an agent to represent them in Canada. The job is to accept payment from Canadian customers and transfer proceeds offshore. The employer indicates that a key qualification is to have access to an online bank account and receive Interac e-Transfer funds.

Once the employee receives the funds, he or she is instructed to transfer the money via a wire transfer service. As compensation, the employee or “transfer agent” is paid a percentage of the funds. This is often a front for an illegal operation.

International Transfer by Mastercard and Interac is a safe, fast and cost-effective way for Canadians to send money internationally from any bank account in Canada to bank accounts worldwide.

You can send money to more than 75* countries worldwide from your Canadian bank account.

*Will vary by financial institution.  For current list of countries, please contact your financial institution.

You can send money internationally in for easy steps:

1. Log In: Log in to online or mobile banking.
2. Select “Send Money” > International: Select the recipient’s destination and banking information.
3. Request Processing: Your request is sent to the recipient and the will receive a notification via email when the funds have been sent.
4. Request Fulfilled: Funds are directly sent to the recipient’s bank account.