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What are the fees and limits to send or request money using 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 transfer1
- Over $100: $1.00 per transfer1
Business Accounts1:
- Every Day A, Every Day B, and Every Day C: 2 free monthly transfers (send or receive), $1.50 per transfer thereafter
- All other business accounts: $1.50 per transfer
- An additional $0.50 fee applies to business banking customers each time they include Additional Remittance Details in their Send Money and Request Money transactions.
There is no Interac e-Transfer transaction fee when you Send Money or Request Money with the following accounts:
Personal Accounts:
- TD Student Chequing Account1
- TD Every Day Chequing Account1
- TD Unlimited Chequing Account,
- TD All-Inclusive Banking Plan
- TD Wealth Private Banking Account
Business Accounts:
- TD Unlimited Business Plan (no transfer fee or Additional Remittance Details fee)
The Send Money transfer fee, if applicable, is charged to the account from which the money is sent at the time it is sent.
The Request Money transfer fee, if applicable, is charged to the account into which the money is deposited at the time of deposit, if the recipient accepts (fulfills) the request.
There is no transfer fee to receive a request and accept it1.
Cancellation fees
It is free to cancel any Send Money you've sent if it is within 45 minutes of sending it. After 45 minutes, a $5 fee applies. There is no charge to cancel a request for money.
Note: Autodeposit & Direct to Account transfers cannot be cancelled since they are automatically deposited into the recipient's account.
Note that for the following accounts, cancellations are free:
- TD Wealth Private Banking Account
- TD Unlimited Business Plan
- Line of Credit
Limits
Sending limits2:
- Per Transfer: $3,000
- 24 hours3: $3,000
- 7 days3: $10,000
- 30 days3: $20,000
Sending limits apply when:
- You send money to a recipient
- You accept an incoming request for money
Request limits:
- Per request: $3,000
Please note: your recipient can only accept your request if the amount you request is within their sending limits set by their financial institution.
1 Regular account transaction fees may apply.
2 Some customers may have different limits. For your specific limits, please refer to the Send Money screen on EasyWeb and the TD app.
3 Rolling Limits (in CAD $). Rolling limits are calculated based on the date and time the last e-Transfer was sent. For example, if you send a transaction at 8:00 a.m. today, the 24-hr "rolling" period will end at 7:59 a.m. tomorrow.
- How much money can I send and request using the INTERAC e-transfer service?
- Can I send money to a person or a business at another bank using INTERAC e-Transfer?
- What happens if a recipient declines money I sent them using INTERAC e-Transfer?
- What is INTERAC e-Transfer?
- How do I cancel an INTERAC e-Transfer transaction?
- How do I decline money sent to me using INTERAC e-Transfer?
- Does the INTERAC e-Transfer Send Money or Request Money notification expire?
- How do I send money using INTERAC e-Transfer?
- How do I view a completed, pending, or cancelled INTERAC e-Transfer transaction?
- What are the fees and limits to send or request money using INTERAC e-Transfer?
Please note that the answers to the questions are for information purposes only for the products discussed. Individual circ*mstances may vary. In case of discrepancy, the documentation prevails.
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