Number of Agent locations may vary.
Availability subject to your participating financial institution’s policies. Please contact your participating financial institution for details.
Availability subject to participating financial institution’s policies and online banking functionality.
Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply.
A test question may be required for some or all money transfers received in certain international destinations, and in those destinations, the recipient may be required to provide either valid identification or the correct answer to the test question, or both, to receive the funds. Please contact your participating financial institution for details.
Payments will be made in the currency of the destination country (except in a limited number of instances where payment is made in U.S. dollars or other currency through a Western Union Agent in the destination country). There are no additional recipient fees, unless otherwise noted. Please contact your participating financial institution for details.
Pre-confirmed recipient amounts will not be provided for certain countries. In any such case, you will be notified in advance. Please contact your participating financial institution for details. Western Union also makes money on currency exchange.
*The WESTERN UNION name, logo and related trademarks and service marks are owned by Western Union Holdings, Inc. Used with permission.
Interace-Transfer Disclosure: Bank of Canada Prominent Payment Systems Risk-Management Standards
FAQs
Step 1: Sign into online or mobile banking and look for the Interac e-Transfer option. Step 2: Add a payee, you will need their email address and/or mobile phone number. Step 3: Enter the amount of money you would like to send them from the account you want to send it from.
How to receive Interac e-Transfer in USA? ›
You can receive an Interac e-Transfer by email or SMS text message. To deposit the money, select the link in the email or text message notification you receive from Interac and follow the instructions.
What is the difference between e-transfer and Interac e-Transfer? ›
One further distinction is that EFTs can only be used to transfer money between bank accounts in your name, whereas Interac e-Transfers can be used to send money to a third party—like the colleague who spotted you lunch money the day you forgot your wallet.
Can Interac e transfers be sent internationally? ›
You can send money internationally in for easy steps: Log In: Log in to online or mobile banking. Select “Send Money” > International: Select the recipient's destination and banking information.
How much does it cost to send or receive an Interac e-Transfer? ›
An Interac e-Transfer transaction fee may apply when you Send Money or Request Money using Interac e-Transfer as follows: Personal Accounts: Up to $100: $0.50 per transfer. Over $100: $1.00 per transfer.
Can Americans use Interac e-Transfer? ›
Interac e-Transfer is not available in the United States but it is possible to send money from a Canadian bank to the U.S. via Interac's partnership with MasterCard and Western Union.
Does Interac work in the USA? ›
Interac Debit is made to be a simple, secure, and easy way to pay for your everyday purchases, and is accepted across Canada and approximately 2 million retailers in the United States.
Which banks support Interac-E-transfers? ›
For more information, please contact your financial institution:
- Participating Financial Institutions. Citibank. Scotiabank. RBC Royal Bank of Canada. CIBC. ...
- Scotiabank. RBC Royal Bank of Canada. BMO Bank of Montreal Participating Financial Institutions.
- BMO Bank of Montreal. CIBC. DC Bank. TD Canada Trust. RBC Royal Bank of Canada.
However, like any other system, EFT has its drawbacks:
- Risk of Fraud: Despite security measures, cybercriminals may attempt to intercept sensitive data during transmission.
- Technical Issues: Server crashes or network issues can delay transactions or lead to processing errors.
Interac e-Transfer users are protected by multiple layers of security, making the service one of the most secure money transfer services globally. When you send money using Interac e-Transfer, your money doesn't actually travel by email or text message – just the notifications and deposit instructions.
- Bank account. Loved ones back home can receive money from the US directly if they hold bank accounts with the likes of Royal Bank of Canada and Bank of Toronto. Explore your options.
- Cash pickup. Our Canadian agent locations are ideal for receiving money from the USA in cash. There are more than 2,7001 across the country.
For any 24-hour period, you can send up to $3,000. For any 7-day period, you can send up to $10,000. For any 30-day period, you can send up to $30,000.
Is Zelle available in Canada? ›
No. Zelle is not currently available in Canada. According to its website, to use the Zelle payment platform, “the sender and recipient's bank account must be based in the U.S.” When sending money via Zelle to a mobile phone number, it must be registered in the U.S.
Do you need a bank account for etransfer? ›
To send an Interac e-Transfer®, you need an online bank account, and the email address or phone number of the person you're sending the money to. The recipient must have an online bank account at a participating Canadian bank.
How to receive money from Interac e-Transfer? ›
If you have registered your email address for Autodeposit, and the Sender used your email address, and the transaction is successful, the money will be deposited into your account automatically without the need to answer a security question.
How long do Interac e-transfers last? ›
Interac e-Transfers expire after 30 days if not claimed by the recipient. This may occur if the sender enters an incorrect email address, or if the recipient declines the Interac e-Transfer, responds incorrectly to the security question, or takes no action.
Is Zelle the same as Interac? ›
For instance, Interac e-Transfer is the Canadian equivalent to Zelle, providing instant person-to-person transfers via bank and credit unions. As of 2023, Interac e-Transfer has 250 participating banks and credit unions. (It lists Desjardin Group, a federation of 213 credit unions, as a single entity).
Does Zelle work in Canada? ›
Zelle is not currently available in Canada. According to its website, to use the Zelle payment platform, “the sender and recipient's bank account must be based in the U.S.” When sending money via Zelle to a mobile phone number, it must be registered in the U.S.
How to set up to receive an e-transfer? ›
Navigate to the Interac e-Transfer section and look for the “Autodeposit” option in the settings. Enter your email address and/or mobile number along with the account you want them associated with. This will determine which account funds will be deposited into.
