INTERAC e-Transfer®

A simple, convenient, and secure way to send and receive money directly from one bank account to another.

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INTERAC e-Transfer® FAQ

All you need is access to online or mobile banking, and you can send money to anyone with an email address or mobile phone number and a bank account in Canada — without sharing any personal or financial information.

INTERAC e-Transfer® Basics

INTERAC e-Transfer® a simple, secure way to send and receive money directly to and from your existing bank account. The money can be accessed immediately after your INTERAC e-Transfer® is accepted. To send an INTERAC e-Transfer®, all you need is the recipient’s email address or mobile phone number*.

Never worry about sharing your personal or financial information with the people you send money to because your address and account information are kept private. A security question protects your money from being deposited by unintended recipients.

  • In Online Banking, click Transfers, then click Send INTERAC e-Transfer®
  • Select a recipient by entering an email address and/or mobile phone number
  • Fill in the INTERAC e-Transfer® information (dollar amount, account from which to withdraw the funds, a security question that only the recipient will know the answer to and optional personal message)
  • Follow the instructions to confirm the information and complete the transfer

If you haven’t signed up for online or mobile banking yet, contact your branch or visit online banking website to sign up.

As a sender – INTERAC e-Transfer® confirmation numbers are saved in your online banking history. In addition, you will receive an email notification and/or text message once the intended recipient has accepted the transfer.

As a recipient – You will receive an email notification and/or text message when the transfer is sent, indicating the amount as well as instructions for depositing the funds.

If the recipient has not yet collected the INTERAC e-Transfer®, it’s easy to cancel it in Online Banking.

After you login:

  • Select Transfers > Send an e-Transfer from the left menu.
  • Select Pending Transfers (top of page).
  • Choose the transfer you would like to cancel.
  • Select the account to which the funds are to be deposited.
  • Review and confirm the information you entered.
  • Once cancelled, a confirmation number will be provided to you and the money will be deposited back into your account.
  • An email will be sent to the recipient indicating that the transfer has been cancelled and it can no longer be collected.

You can deposit your funds by clicking on the link contained in the text message or email notification, or you can type the link contained in the notification into your browser — no matter how you’re notified, you can deposit your funds at any computer or mobile device connected to the Internet.

Outgoing Limits
Per Transaction Limit (Outgoing)$3,000.00
Per Day Outgoing$10,000.00
7 Day Rolling Limit (Outgoing)$10,000.00
30 Day Rolling Limit (Outgoing)$20,000.00
Incoming Limits
Per Transaction Limit (Incoming)$25,000.00
Per Day Limit (Incoming)$ Unlimited
7 Day Incoming$ Unlimited
30 Day Incoming$ Unlimited
Outgoing Limits
Per Transaction Limit (Outgoing)$10,000.00
Per Day Outgoing$20,000.00
7 Day Rolling Limit (Outgoing)$50,000.00
30 Day Rolling Limit (Outgoing)$100,000.00
Incoming Limits
Per Transaction Limit (Incoming)$25,000.00
Per Day Limit (Incoming)$ Unlimited
7 Day Incoming$ Unlimited
30 Day Incoming$ Unlimited

* Support for notifying recipients via text message and adding recipient mobile phone information is optional for each participating financial institution. However, anybody with a bank account in Canada can deposit an INTERAC e-Transfer® with the information contained in a text or email notification.

e-Transfer Security

When you send money using INTERAC e-Transfer®, your money never actually travels by email or text message. Email and text messages are only used to notify the recipient and to provide instructions on how to deposit the money. Your financial institution and your recipient’s financial institution transfer funds using established and secure banking procedures.

INTERAC e-Transfer® relies on several security measures:

  • Encryption technology
  • A secure login process
  • Confidential user IDs and passwords issued by financial institutions
  • A security question and answer to ensure only the intended recipient receives the money

An INTERAC e-Transfer® transaction cannot be reversed once the recipient of the funds has deposited the transfer. You must obtain a refund directly from the recipient. You can ask the recipient to send you an INTERAC e-Transfer® for the refund amount.

Like using cash, you should send money transfers only to parties you know and trust. For most uses of the INTERAC e-Transfer® service (sending money to family and friends, repaying IOUs, sending monetary gifts, etc.), you know the recipient well. For uses where you may not know the receiver well (e.g., online auction purchases), take the precautions you would take when making cash purchases. For auctions and online purchases, be sure to read and follow steps as recommended by operators of these websites to protect your money.

Auto Deposit

Autodeposit allows you to receive money via INTERAC e-Transfer® without the need to answer a security question for each transaction – Autodeposit links your email address to your Integris account, so all transfers sent to that address will be deposited automatically and securely into your account.

Watch this video for more information on setting up Autodeposit.

To receive money directly into your account with Autodeposit:

  • Log in to your financial institution’s online or mobile banking and navigate to Autodeposit, typically found in the INTERAC e-Transfer® settings.
  • Register your e-mail address and link your account.
  • You will receive an email to confirm your registration.

The Autodeposit feature of INTERAC e-Transfer® has the same bank-grade security as is standard with the INTERAC e-Transfer® service.

Each time you receive funds through the Autodeposit feature, an email is sent to you with the sender’s name, the amount deposited, and any message the sender included. Once you receive the email, you can verify by checking your balance with our app or online banking, or ask for a balance the next time you visit one of our branches.

Money being sent to a recipient registered for Autodeposit will take the same time as a regular INTERAC e-Transfer® transaction. Most transfers will be sent in near real-time, however, there could be a slight fraud delay based on the amount of the transfer, and if the recipient and sender have a history of e-Transfers. Once the INTERAC e-Transfer® notification arrives, you will have instant access to the money.

To update the email address for an Autodeposit registration, login to Integris Online Banking or the Integris Mobile app and navigate to the INTERAC e-Transfer® Autodeposit tab and choose to edit or delete the rule.

If you have not received the Autodeposit verification email from INTERAC®, be sure to check your junk email folder. If you still cannot find the notification, ensure you have entered the email correctly in the rule, by logging back into Integris Online Banking or the Integris Mobile app.

In order for the Autodeposit feature to work, both the sender’s Financial Institution and the receiver’s Financial Institution must be capable of handling the transfer. If the sender’s Financial Institutions hasn’t upgraded to the new INTERAC e-Transfer® Autodeposit feature, you will still be required to manually answer the Security question.

Autodeposit is FREE! There is no charge to use the INTERAC e-Transfer® Autodeposit service at Integris.

Request Money

Request Money is a feature within the INTERAC e-Transfer® service where money can be requested from anyone in Canada within the security of your online banking or mobile banking application. Money is requested using an email and when the request is fulfilled, the Requestor is provided with a notification once the funds are available in their account.

To see the Request Money process in action, watch the video below.

  • Log in to your financial institution’s online banking or mobile banking and navigate to Interac eTransfer Request Money.
  • Add or select a contact and fill out the name and e-mail address or mobile phone number of the person you wish to send the request to.
  • Type in the specified amount you are requesting and select the account you would like the funds to be deposited into. You can also include a personalized message with the request.
  • Once the recipient has fulfilled your request, funds will immediately be deposited into your bank account and you will be notified immediately.

You can send money requests between $10 and $3000 per transaction.

Once sent, INTERAC e-Transfer® Request Money transactions are available for payment for 30 days. INTERAC® will send an email reminder to the recipient automatically after 7 days and you also have the option to send up to 5 manual reminders to request payment within the 30 day time period.

INTERAC e-Transfer® (Send or Request Money) have a fee of $1.50 transaction fee depending on your banking package or the savings account that you send the INTERAC e-Transfer® from and will be applied at month end when you send or request an INTERAC e-Transfer®. Please refer to our Personal Service Fee Listing for further information.

You can send an INTERAC e-Transfer® Request Money to anyone who has a valid phone number or email address and has access to online banking or a mobile banking app. However, if the individuals Financial Institution does not support the Request Money feature they will have to decline the request with a message to the requestor.

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