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.
Easy-to-use features
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.
Note that you cannot cancel the transfer once you’ve sent it, so make sure to double check:
- The recipient’s name and details
- The amount
How Autodeposit works
When you make a transfer, a message appears saying the recipient is registered for Autodeposit and that you do not need to provide a security question.
For instance, if your landlord has set up Autodeposit, your rent will be directly deposited into their account. We then send them an email confirming the transaction.
Rest assured that even without a security question, your transfer is secure. Autodeposit is quick and easy to use and helps ensure that your money falls into the right hands.
Confirmation of transfer
Once your Interac e-transfer is deposited, you receive a confirmation message and number. There may be a delay between the time you receive confirmation and the time the recipient gets the money.
Request Money
This feature allows you to request money by email or text message. However, for now, you can only receive money requests.
You have the option to accept or decline the request. If you accept it, the funds are immediately withdrawn from your account and deposited into the recipient’s account (see how to accept a money request).
Once you’ve accepted the request, you cannot cancel the transfer, so make sure you double check:
The type of notice you received (money request or transfer)
The recipient’s name and details
The amount
Read Interac messages carefully
Make sure you know whether you’re being sent money or being asked to send money. Scammers can take advantage of your negligence and send a request to withdraw money instead of one to deposit money. Learn more about this common scam.
Fees
If you haven’t exceeded the number of transactions included in your plan, you don’t pay any fees. If you don’t have a plan, you pay any applicable Interac e-Transfer fees. Declining a money request is always free.
Transfer expiry date
You have 30 days to respond to a request sent by email or text message. If you haven’t accepted or declined the request, the person who initiated it can send you reminders during this period.
Blocking requests
You can choose to block someone who sends you a money request. See the email or text sent to you by Interac or go to the Interac preferences page. You can also choose to stop receiving money requests altogether.
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
When you use Interac e-Transfer, the only things you’ll receive by email or text are notifications or deposit instructions. Information about your account is never sent to your contact.
To better protect yourself, adopt these 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.
Phishing: Beware of text messages and emails that ask for personal information or promise you some kind of compensation.
Fraud: To avoid scams, only use Interac e-transfer with people you know. If you have any doubts, decline the transfer or money request and contact us.
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 numbers 100001 or 100002. Is it legitimate?
Yes. 100001 and 100002 are the short code addresses used to send 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
