Interac e-Transfer^†

Sending, requesting and receiving money directly from one bank account to another is easy - thanks to Interac e-Transfer^†!

What do I need?

All you need is access to Affinity online banking or the Affinity Mobile app and you can send or request money to anyone with an email address or mobile phone number and a bank account in Canada.

Is it secure?

Personal information is never shared so it’s safe, reliable and so convenient!

Receive transfers even faster!

Autodeposit allows you to automatically deposit incoming transfers into an account of your choice without having to manually accept and answer the security question. No more waiting for emails and texts! Learn how to sign up for Autodeposit in the FAQ section below.

Where do I start?

From Affinity Mobile, select Send Money from the top menu. If you’re on a desktop, select Transfers from the top menu and then select INTERAC e-Transfer from the left-side menu.

Next, select an existing contact or set up a new contact by selecting Manage Contacts and then Add Contact.

Fill out the contact information fields, including name, contact method (email or mobile phone number) and a choose a security question and answer for the transfer. Click Save Contact.

After selecting a contact to transfer money, enter the amount you’d like to send and which account you would like to transfer from. Press Continue, confirm all the transfer details are correct and press Continue again to complete the transfer. Easy!

To view previous or pending transactions select Send Money and then click the clock icon in the top left-hand side of the screen.

Send and Receive Limits

	Send	Receive
Per transaction	$3,000	$10,000
Per day	$10,000	$10,000
Per 7 days	$10,000	$70,000
Per 30 days	$20,000	$300,000

Service Fees

It's free to send an Interac e-Transfer^† from your Unlimited, Youth, Student or 65+ chequing account.

Your first two e-Transfer† transactions are free with the Value Chequing. Beyond that there’s a $1 fee per e-Transfer†. The $1 fee applies to all Interac e-Transfer† transactions on the Pay-as-you-go chequing as well as our business chequing and savings accounts. They also count as an electronic debit so you may be charged an additional fee depending on the type of account you have and how many transactions you’ve completed that month.

Receiving Interac e-Transfer^† transactions are always free for the recipient!

If you’ve got questions or want to sign up for Affinity online banking or Affinity Mobile, just give our Contact Centre a call at 1.866.863.6237.

Looking to learn more? Find it here:

Expand all

How do I send an INTERAC e-Transfer?

Through Affinity online banking: Once you log in, choose ‘Interac e-Transfer’ under the ‘Transfers’ tab.
Through Affinity Mobile: After you log in, find the ‘Move Money’ tab at the bottom of the screen and select ‘Send Money via INTERAC e-Transfer®’. You’ll be directed to a menu that’ll allow you to add a recipient and send money.
How do I receive money through INTERAC e-Transfer?

When someone sends you an Interac e-Transfer, you'll get an email or text message notifying you of the transfer. Follow the steps in the message to log into Affinity Mobile or online banking and accept the transfer. Once you deposit the money to your account, you can immediately access the entire amount – no holds and no delays.
You can also save yourself the added step of accepting Interac e-Transfers with the Autodeposit feature. Check out more information below under “What is Autodeposit”.
How can I request a payment through INTERAC e-Transfer?

Through Affinity online banking: Once you log in, choose ‘Interac e-Transfer’ under the ‘Transfers’ tab. You’ll be taken to the MemberDirect® Interac e-transfer website where you’ll select “Request Interac e-Transfer” in the menu on the left.

Through Affinity Mobile: Find the ‘Deposits’ tab at the bottom of the screen and select ‘Request Money via INTERAC e-Transfer®’. You’ll be directed a menu where you’ll select the person and amount you’re requesting. The requestee will then receive an email or text message allowing them to fulfill the request.
How do I sign up for Autodeposit?

Through Affinity online banking: Once you log in, choose ‘Interac e-Transfer’ under the ‘Transfers’ tab. You’ll be taken to the MemberDirect® Interac e-transfer website where you’ll select “Autodeposit” in the menu on the left.

Through Affinity Mobile: Click the ‘Send Money’ button. From there, click the gear icon in the top right corner of the screen and select ‘Autodeposit’ and ‘Add Autodeposit’.

You will have to register your email address with Interac, all transfers sent to that address will deposit automatically (without having to manually accept the transfer) to an account of your choosing. You’ll also get an email notification every time a transfer lands in your account.

Users can assign one account per contact method, so if you’re a business owner you may want to link your business email to a business account and a personal email to a personal account.
How long will it take for the recipient to get the INTERAC e-Transfer I sent?

All transfers of $250 or less will send instantly, without any delay. Within a 24-hour period you’ll be able to instantly send up to $500 by Interac e-Transfer.

Transfers of over $250 will get to your desired recipient within 30 minutes of hitting send.
There’s an exception to these rules if you’re sending money to someone you already have a transfer history with. In this case, you’ll be able to transfer as much as $3,000 instantly.

^†Interac e-Transfer is a registered trademark of Interac Inc. Used under licence.

Interac e-Transfer†

What do I need?

Is it secure?

Receive transfers even faster!

Where do I start?

Looking to learn more? Find it here:

How do I send an INTERAC e-Transfer?

How do I receive money through INTERAC e-Transfer?

How can I request a payment through INTERAC e-Transfer?

How do I sign up for Autodeposit?

How long will it take for the recipient to get the INTERAC e-Transfer I sent?

Interac e-Transfer^†