What is Interac e-Transfer?
It's a simple and secure way to send money
Sending money via Interac e-Transfer® is free of charge when you have a transaction plan with us.
It has many possible uses, such as:
- Collect contributions for a group gift
- Pay your rent
- Reimburse a friend for a show ticket
Fast
No more cheques! No more trips to the ATM! The person you're transferring to will receive their money as soon as they accept the transfer.
Secure
Interac e-Transfer users are protected by multiple layers of security, making the service one of the most secure money transfer services in the world.
Convenient
All you need to transfer money is a cellphone number or an email address.
Send money with Interac e-Transfer
To send money using Interac e-Transfer on AccèsD, you need to:
- Have a Desjardins account
- Be registered for AccèsD and have created an Interac profile
- Know the email address or cellphone number of the person you want to send money to
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You can send up to $5,000 per transfer, per 24-hour period. Be careful when sending money: once an Interac e-Transfer is accepted, the transaction can't be reversed.
Create an Interac profile on AccèsD
- Select Transfers, then Interac e-Transfers. Select Create profile.
- Enter your email address or cellphone number and choose your language of correspondence. Select OK.
- Read the terms of use, then select Confirm.
Interac e-Transfer how-to
Step 1
Choose the recipient
Log in to AccèsD, select Transfers, then Interac transfers. From the Recipients list, select who you want to make a transfer to or add a new recipient.
Step 2
Enter the transfer details
Indicate the amount. Choose the account you want to send from (Source account) and select OK.
Step 3
Confirm and transfer
Read the terms of use, then confirm the transfer. The recipient will receive a notification.
Manage transfers and recipients
Cancel a transfer and retrieve the funds
You can cancel a transfer as long as it hasn't been accepted by the recipient. A cancellation fee of $3.50 applies.
- Select Transfers, then Interac e-Transfers.
- Under Manage active e-Transfers, select e-Transfers in progress, then the transfer you want to cancel.
- Select Cancel e-Transfer.
- Choose the deposit account and select Confirm.
Manage recipients
Add a recipient
- Select Transfers, then Interac e-Transfers.
- Go to the recipient list screen, then select Add recipient. You may be asked to enter a security code to continue.
- Enter the name and the email address or cellphone number of the person.
- Choose the language of correspondence and select Confirm.
Edit recipient information
- Select Transfers, then Interac e-Transfers.
- Select the name of the person in your list of recipients.
- Select Edit. You may be asked to enter a security code to continue.
- Enter the recipient's new contact information and select Confirm.
Delete a recipient
- Select Transfers, then Interac e-Transfers.
- Select the name of the person in your list of recipients.
- Select Edit, then Delete recipient.
- Select Delete.
Autodeposit transfers
When you send an Interac e-Transfer to someone registered for Autodeposit, you don’t need to provide a security question. Funds are automatically deposited into the account linked to the details you provide, and the recipient receives an email confirmation.
You’re responsible for confirming:
- The recipient’s name
- The recipient’s details
Note that you cannot cancel an Interac e-Transfer if the recipient has enabled Autodeposit.
How do I know if the recipient of the Interac e-Transfer has registered for Autodeposit?
When you make a transfer, we notify you that the recipient has enabled Autodeposit and that you don’t need to provide a security question.
Can I still use a security question when I send an Interac e-Transfer to someone who’s registered for Autodeposit?
No. You cannot use a security question if your recipient has the Autodeposit feature enabled. Rest assured that even without a security question, the money is deposited into their account instantly and securely.
How do I know that my Interac e-Transfer has been successfully deposited?
Once your Interac e-Transfer has been successfully deposited into an account with Autodeposit enabled, you'll get an on-screen message with a confirmation number. There may be a delay between when you get the confirmation and when the recipient receives the funds.
Receive money via Interac e-Transfer
To receive money via Interac e-Transfer in your account, give the sender one of the following:
- Your email address
- Your cellphone number
- The number of the account where you want the money deposited
The incoming single transfer maximum is $25,000. When someone uses your account number to send you an Interac e-Transfer, the funds are deposited automatically.
Accept an Interac e-Transfer by answering a security question
Step 1
Keep an eye out for a notification
Click the link in the email or text notification you receive. Select the Desjardins logo.
Step 2
Log in to AccèsD
Open an AccèsD session and answer the security question. Select OK.
Step 3
Deposit your money
Choose the deposit account and confirm. Your money will be available in the following minutes.
Receive funds with Autodeposit
Autodeposit allows you to deposit money received by Interac e-Transfer into your account without logging in to AccèsD online or in the app. You don’t need to answer a security question either. You simply receive a notification confirming the deposit was made.
How to register for Interac e-transfers by Autodeposit
In the app
- Select Transactions, then Interac e-Transfers.
- Select Autodeposit, then Register.
- Select Email address or Cellphone no., then enter the information in that field.
- Select the account for deposits, then OK.
- Select Confirm.
Online
- Select Transfers, then Interac transfers.
- Select Autodeposit.
- Select Register.
- Select Email address or Cellphone no., then enter the information in that field.
- Select the account for deposits, then OK.
- Select Confirm.
How to disable Interac e-Transfers by Autodeposit
In the app
- Select Transactions, then Interac e-Transfers.
- Select Autodeposit.
- Select the account you want to unregister, then Unregister contact info.
- Select Unregister to confirm.
- Repeat steps 3 and 4 for each account you want to unregister.
Online
- Select Transfers, then Interac transfers.
- Select Autodeposit.
- Select the account you want to unregister, then Unregister contact info.
- Select Unregister to confirm.
- Repeat steps 3 and 4 for each account you want to unregister.
Security of the Interac e-Transfer service
Wondering if Interac e-Transfer is secure? When you use this service, the only things you'll receive by email or text are notifications or deposit instructions. Information about your account is never sent to the deposit recipient.
To better protect yourself, adopt good habits:
- Security question: If you use one to make a transfer, make sure the answer is hard to guess, even for someone close to you. Using a security question prevents another person from depositing the funds.
- Phishing: Beware of text messages and emails that ask for personal information or promise you some kind of compensation.
FAQ
Can I increase my Interac e-Transfer limit?
No, it's not possible to increase the limits for Interac e-Transfer.
The maximum you can send is $5,000 per transfer, per 24-hour period. You can receive up to $25,000 per transfer.
I got a text message from the number 100001. Is it legitimate?
Yes. 100001 is the short code address used to send all Interac e-Transfer text notifications (transfer receipt notifications, reminders, etc.).
How do I decline an incoming Interac e-Transfer?
If the transfer was sent with a security question, you can simply ignore it. It will expire in 30 days.
You can also directly decline a transfer by answering the security question (as if you were going to deposit the money). You'll then have the option to decline the transfer.
How do I send a reminder to an Interac e-Transfer recipient?
You can't send an Interac e-Transfer reminder on AccèsD, but Interac sends regular reminders. After 30 days, the transfer expires and you can retrieve the funds from the Manage active e-Transfers section.
Other ways to send and receive money
Transfer funds
Direct deposit
