How Interac® e-Transfer works

Sending an Interac e-Transfer: Step-by-Step

  1. Login to your online banking
  2. Create a profile with your email address and/or mobile phone number, if you have not already done so
  3. Select 'Send Interac e-Transfer' under 'Transfers' or under the 'Action' button
  4. Select a recipient, or add a new recipient profile, by entering the person's name, email address and/or mobile number
  5. Choose if the recipient will receive an email and/or text message
  6. Enter a security question and a one-word answer that only you and the recipient know
  7. Add a personal message (optional), do not include the answer to the security question
  8. Select an account from which to make the transfer and enter the amount
  9. Send the Interac e-Transfer

Receiving an Interac e-Transfer: Step-by-Step

  1. Ensure the link received via email or text message offers a secure connection that takes you to a site with the 'https' prefix, rather than 'http'
  2. Click on the link and you'll be taken to a secure Interac website
  3. Follow the instructions on the site under ...or at a credit union in select
    • Ontario for the province 
    • Toronto Municipal Employees' Credit Union for the credit union
    • and click 'Deposit', and you'll be redirected to our online banking login screen
  4. Login to answer the security question and accept the transfer
  5. Select the account where you wish to deposit the money

Need more information? Visit our Frequently Asked Questions

See our section for more information on how we keep your financial information safe

Ready to get started?

Fees Rate Information
Receiving an e-Transfer FREE
Sending an e-Transfer Free for Chequing Accounts