Interac e-Transfer®
Transfer money directly from one account to another account with an email address or mobile phone number.
® Trade-mark of Interac Inc. Used under license.

® Trade-mark of Interac Inc. Used under license.
Both the sender and the recipient need access to their financial institution’s online banking service to send and receive an e-Transfer.
An Interac e-Transfer® can only be made in Canadian funds between accounts in Canadian funds at a Canadian financial institution.
To send money using e-Transfer, the sender does not need to know the recipient’s financial institution or account information; only their email address or mobile phone number. In a matter of minutes, recipients are notified by email or text message when an e-transfer has been sent. Once they accept, the money is transferred to their account.
Money can be transferred person-to-person, person-to-business or business-to-business.
TO SEND AN E-TRANSFER
from your Caisse account you need:
access to e-Caisse*
a Caisse chequing or savings account (in Canadian funds)
the person’s email address or mobile phone number (they need to have a Canadian funds account at a financial institution in Canada)
TO RECEIVE AN E-TRANSFER
in your Caisse account you need:
an email address or mobile phone number
access to e-Caisse*
a Caisse chequing or savings account (in Canadian funds)
* If you do not have access to e-Caisse, visit your branch to set up access.
Once the e-Transfer is set up (which takes minutes), it takes less than 30 minutes, if not instantly, to send or receive money between accounts.
A) To view active e-Transfers
All active e-Transfers will be displayed.
B) To view completed e-Transfers
All completed e-Transfers will be displayed for up to 2 years.
You can cancel an Interac e-Transfer® if the recipient has received notification but has not yet deposited the money. If the money has been deposited in the recipient’s account, the e-Transfer cannot be cancelled or reversed.
To cancel an e-Transfer:
The money will be deposited into the account from which it was withdrawn (minus the fee which is non-refundable).
The recipient can choose to decline the e-Transfer.
If the e-Transfer is declined, the sender will receive a notification with instructions to reclaim the funds in his/her account (minus the fee which is non-refundable). The sender will need to cancel the e-Transfer by following the steps for Cancelling an e-Transfer above.
Your money does not travel by email or text message – only notifications and instructions do. Your financial institution and the recipient’s financial institution exchange the funds using established and secure banking procedures with multiple layers of security:
No personal financial information is shared between the sender and the recipient.
The sender must also create a security question and answer that only the recipient knows in order to ensure that only the intended recipient receives the money.
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You should always be careful when sending money.
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Here are key things to note when you receive an e-Transfer:
The text message notification should always be received from +1 00001 with text: Interac e-Transfer®: (name of sender) sent you money.
The email notification should always be received from notify@payments.interac.ca with subject line: Interac e-Transfer®: (name of sender) sent you money.
If the notification does not originate from notify@payments.interac.ca or it comes from someone you don’t know and you suspect it may be fraudulent, do not respond or click any links. Forward the email to phishing@interac.ca.
It is always a good practice to contact the sender directly to confirm that he/she sent you an e-Transfer prior to accepting the money.
If you are notified that someone has received an e-Transfer that you did not send, immediately change your PIN in e-Caisse and contact your branch.
Click here for important information concerning e-Transfer fraud.
Receiving e-Transfer
If you have access to e-Caisse, there is no fee to receive an e-Transfer.
If you do not have access to e-Caisse, you will need to provide your financial information directly to Interac® and there will be a fee to receive the e-Transfer.
Sending e-Transfer
There could be a fee for sending an e-Transfer depending on your account.
The fee is withdrawn immediately from your account and is non-refundable.
Are you transferring money to another Caisse Financial Group member?
If yes, avoid the Interac e-Transfer® fee by selecting the option “MEMBER TO MEMBER TRANSFER” in the TRANSFERS tab in e-Caisse. You will need to know the recipient’s Caisse membership number to complete the transfer.
SEND LIMITS
Minimum amount per e-Transfer |
$ 1 |
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Maximum amount per e-Transfer |
$ 3,000 |
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Cumulative daily sending limit (daily) |
$ 10,000 |
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Cumulative 7 day sending limit (weekly) |
$ 10,000 |
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Cumulative 30 day sending limit (monthly) |
$ 20,000 |
RECEIVE LIMITS
Minimum amount per e-Transfer |
$ 1 |
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Maximum amount per e-Transfer |
$ 10,000 |
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Cumulative daily receiving limit (daily) |
$ 10,000 |
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Cumulative 7 day receiving limit (weekly) |
$ 70,000 |
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Cumulative 30 day receiving limit (monthly) |
$ 300,000 |
Once you have reached the limit, you cannot send or receive an e-Transfer until your limit is reset.
Cumulative limits are calculated by the day and time the Interac e-Transfer® is sent or received.
Example – Send: Monday 10:00 am – you send an e-Transfer of $3,000. You can now send a maximum of $7,000 in e-Transfers until the following Monday at 10:00 am.
Example – Receive: Monday 10:15 am – you receive an e-Transfer of $3,000. You can now receive a maximum of $67,000 in e-Transfers until the following Monday at 10:15 am.
Service is available in French and English.