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INTERAC e-Transfer

  1. SPEND
  2. Ways to Pay
  3. INTERAC e-Transfer

Easy. Fast. Secure.


INTERAC e-Transfer® is a convenient way to send and receive money directly from one bank account to another. All you need is access to online or mobile banking, and you can send or request money to anyone with an email address or mobile phone number and a bank account in Canada — without sharing any personal financial information.
New design, enhanced experience
Our email notifications look and feel have been updated to provide a better user experience and set up for more exciting future enhancements. No action is needed on your part; you will continue to enjoy the same security and convenience of Interac e-Transfer® but with an enhanced user experience.
Learn more

How to set up a sender profile and recipient list

Before you can use the INTERAC e-Transfer service, you'll need to create a sender profile and recipient list.
Creating a sender profile
  1. Login to Digital Banking on your preferred device.
  2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon at the top left of the screen then select Interac e-Transfer®).
  3. Under the 'Interac e-Transfer' section, click ‘Profile settings.’
  4. You will be asked to confirm your information – name, email, mobile phone.
  5. Click 'Continue'.
  6. Verify your details and click ‘Continue.’
  7. Enter the one-time password you received at your mobile devices (text message) or email address.
  8. Click 'Continue'.
  9. Your profile is now created.

What you should know:

  • The email address and/or mobile phone number that you have entered will be used to inform you when your transfer has been received or declined.
  • You can update your profile at any time using the same steps as list above.
Adding a contact
After you have set up your profile, you can add contacts.

  1. Go to ‘Transfers & Payments’ (on the app tap the menu icon at the top left of the screen then select Interac e-Transfer®).
  2. Under the 'Interac e-Transfer' section, click ‘Manage contacts.’
  3. Click ‘Add contact.’
  4. Enter the name of the person you wish to add.
  5. Enter email address/mobile phone number.
  6. Select language preference – defaulted to English.
  7. Select the notification method using the drop down menu.
  8. Enter the security question and the answer.
  9. Re-enter the answer to the security question.
  10. Click ‘Continue.’
  11. Confirm the details of the contact added
  12. Click ‘Continue.’
  13. Enter the one-time password you received to your mobile phone (text message) or email address.
  14. Click ‘Continue.’

Watch our interactive demo on how to add a contact and send money.


    What you should know:

    • For your security, only you and the recipient should know the security question and answer. You can communicate this to the recipient by phone or in person for additional security.
    • You can edit a recipient's information at any time, or delete a recipient if you no longer need to send them money via INTERAC e-Transfer.

    How to use INTERAC e-Transfer

    Creating a sender profile
    1. Login to Digital Banking on your preferred device.
    2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon at the top left of the screen then select Interac e-Transfer®).
    3. Under the 'Interac e-Transfer' section, click ‘Profile settings.’
    4. You will be asked to confirm your information – name, email, mobile phone.
    5. Click 'Continue'.
    6. Verify your details and click ‘Continue.’
    7. Enter the one-time password you received at your mobile devices (text message) or email address.
    8. Click 'Continue'.
    9. Your profile is now created.

    What you should know:

    • The email address and/or mobile phone number that you have entered will be used to inform you when your transfer has been received or declined.
    • You can update your profile at any time using the same steps as list above.
    Adding a contact
    After you have set up your profile, you can add contacts.

    1. Go to ‘Transfers & Payments’ (on the app tap the menu icon at the top left of the screen then select Interac e-Transfer®).
    2. Under the 'Interac e-Transfer' section, click ‘Manage contacts.’
    3. Click ‘Add contact.’
    4. Enter the name of the person you wish to add.
    5. Enter email address/mobile phone number.
    6. Select language preference – defaulted to English.
    7. Select the notification method using the drop down menu.
    8. Enter the security question and the answer.
    9. Re-enter the answer to the security question.
    10. Click ‘Continue.’
    11. Confirm the details of the contact added
    12. Click ‘Continue.’
    13. Enter the one-time password you received to your mobile phone (text message) or email address.
    14. Click ‘Continue.’

    Watch our interactive demo on how to add a contact and send money.


      What you should know:

      • For your security, only you and the recipient should know the security question and answer. You can communicate this to the recipient by phone or in person for additional security.
      • You can edit a recipient's information at any time, or delete a recipient if you no longer need to send them money via INTERAC e-Transfer.
      Canceling an INTERAC e-Transfer

      You can cancel an INTERAC e-Transfer transaction before it has been deposited by the recipient.

      1. Login to Digital Banking on your preferred device.
      2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon at the top left of the screen then select Interac e-Transfer®)
      3. Under the 'Interac e-Transfer' section, click ‘History.’
      4. If you have any pending transactions they will be displayed on the page.
      5. Click 'Pending e-Transfer to view an INTERAC e-Transfer transaction that you have sent but has not yet been deposited.
      6. Click 'Cancel' to cancel the transfer and to deposit the money back into your account.
      Watch our interactive demo on how to cancel an Interac e-Transfer.

        What you should know:

        • The $1.50 service fee, if applied, will not be refunded when you cancel an INTERAC e-Transfer.
        • Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address before you send money.
        • Follow along with our interactive demo to learn how to cancel an INTERAC e-Transfer
        Registering for Autodeposit
        INTERAC e-Transfer is convenient. But for people waiting to be paid, it’s never fast or easy enough. That’s why there’s Autodeposit, it is a secure way to receive money into your account without having to answer security questions for every transaction.

        To register for Autodeposit:

        1. Login to Digital Banking
        2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon and select 'Interac e-Transfer')
        3. Under the 'Interac e-Transfer' section, click 'Autodeposit settings'
        4. Click 'Add Autodeposit'
        5. Enter your details as per requested, choose either your email address or mobile phone number to register with
        6. Select an account from the drop down
        7. Read and check off the acknowledgement
        8. Click 'Continue'
        9. Confirm details
        10. Click 'Continue'
        11. Receive one-time pass code (OTP)
        12. Enter the one-time pass code
        13. Click 'Continue'
        14. Confirmation screen appears that is has been successfully added.
        15. Receive notification from Interac to complete registration.

        Watch our interactive demo on how to register for Autodeposit.

          What you should know:

          • You can register up to 5 email addresses and/or mobile phone numbers.
          • If you are no longer using an email address, remember to update your email addresses for Autodeposit in online banking.
          • If you have registered with your mobile phone number you will need to renew the Autodeposit registration every 90 days.
          • You will need to set up the security question and answer for your recipients even if they have registered for Autodeposit.

          Have more questions on INTERAC e-Transfer?

          Dive into our comprehensive FAQs and get your Interac e-Transfer questions answered!
          Explore FAQs

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