Interac e-Transfer Information Hub

You will need to log in to your online banking account and create an Interac e-Transfer profile using a valid email address before you can use the service. Learn More

To send or request money, you will be required to set up the recipient for your request. This is only required for requests that you initiate and does not need to be set up if you are expecting to receive a request from someone else. Learn More

Avoid the hassle when receiving funds by setting up Autodeposit and have your Interac e-Transfer deposited directly to your account conveniently and safely. Learn More

You can cancel a pending e-Transfer under the ‘pending’ page on your online banking. Click here to view detailed steps.

Please note you will only be able to cancel an Interac e-Transfer if the recipient has not yet accepted it. If the recipient has auto deposit or if you have received an email confirmation that the recipient has accepted the transfer, you will not be able to cancel it. Additionally, ensure that all information is correct before sending an Interac e-Transfer. You will know if your recipient has set up autodeposit during the sending Interac e-Transfer process as you will receive a disclaimer acknowledging this.

To send an Interac e-Transfer you will need to have added the recipient to your profile. Once complete, you will be able to send them money online or through the mobile app Learn More

When sending an e-transfer, there are some criteria for the message field:

• E-Transfer Memo Criteria:
  •  It must not exceed 400 characters
  • Contains only letters numbers and the characters . ! @ / ; : , ‘ = $ ^ ? * ( )
  • It must not contains the words: http:, https:, www., javascript, function, return.

Note: There are limits to how much money can be sent or received through Interac e-Transfer Learn More

Having issues sending an Interac e-Transfer?

1. Check all e-Transfer limits: transaction, daily, 7 day and 30 day limits (personal vs business).
2. Has the recipient already been added to the recipient list?
3. If you received a new card with a new number then you will need to set up your recipients again before being able to send an Interac e-Transfer.

Note: You cannot send Interac e-Transfers to another country. Additionally, there are limits to how much money can be sent or received through Interac e-Transfer Learn More

To receive an Interac e-Transfer you will need to have created your profile through Online Banking. If you did not set up Autodeposit, you can deposit the funds by following a few simple steps Learn More

Note: There are limits to how much money can be sent or received through Interac e-Transfer Learn More

Unfortunately, Interac e-Transfers cannot be scheduled in advance.

You can request to receive funds from someone using Interac e-Transfer. To do so, you will need to have created your profile through Online Banking and added them to your recipient list. Once complete, you will be able to send them a request to Interac e-Transfer you the funds. Learn More

Simplify this process by setting up Autodeposit and have those funds directly deposited into your account once they have received and processed your request. Learn More

Note: There are limits to how much money can be sent or received through Interac e-Transfer Learn More

You can view all your received and sent Interac e-Transfer through your online banking. Learn More

Check that their email address and/or phone number is correct. If you only have an email address or phone number added, try adding both.

1. Log in to your online banking account
2. Click on ‘Transfer Money’ on the menu on the left of the page
3. Click Add/Delete Recipients
4. Find the recipient your sending funds too and click on edit on the side
5. Check that their information is correct

If your recipients contact information is correct, go to pending and click resend.

1. Go to Add/Delete Recipients page (contact page) in your online banking account
2. At the top of the page choose ‘pending’
3. Click ‘resend’ on the right side of the e-Transfer

*note Interac e-Transfer typically take 30 minutes or less when both sender and recipient have a good network connection. However, if the dollar amount you are sending is large it could take longer for the recipient to receive it.

You will need to cancel the e-Transfer. You can cancel a pending e-Transfer under the ‘pending’ page on your online banking. Click here to view detailed steps.

Please note you will only be able to cancel an Interac e-Transfer if the recipient has not yet accepted it. If the recipient has autodeposit or if you have received an email confirmation that the recipient has accepted the transfer, you will not be able to cancel it. Additionally, ensure that all information is correct before sending an Interac e-Transfer. You will know if your recipient has set up autodeposit during the sending Interac e-Transfer process as you will receive a disclaimer acknowledging this.

If an e-Transfer has failed or expired, the funds have never left your account, so no action is required.

If you need to cancel an e-Transfer, follow the steps outlined on this page to cancel any sent e-Transfers.

There are two specific cases where members will not be able to cancel an e-Transfer.

Cancel a Send Money transaction to a member that has set up Autodeposit while the e-Transfer is pending deposit
Cancel a fulfillment of Request Money transaction pending deposit.

Follow the steps outlined on this page to cancel any sent e-Transfers.  

There are two specific cases where members will not be able to cancel an e-Transfer. 

1. Cancel a Send Money transaction to a member that has set up Autodeposit while the e-Transfer is pending deposit 
2. Cancel a fulfillment of Request Money transaction pending deposit. 

You as the sender should go to the recipients profile and choose a new question and answer. Then go to pending and resend which will  send a new notification to the recipient with the new question and answer.

1. Log in to your online banking account
2. Click on ‘Transfer Money’ on the menu on the left of the page
3. Click Add/Delete Recipients
4. Find the recipient your sending funds too and click on edit on the side
5. Change security question and answer
6. Then go back to the Add/Delete Recipients page (contact page)
7. At the top of the page choose ‘pending’
8. Click ‘resend’ on the right side of the e-Transfer

1. 1. Ensure that auto deposit is set up on the phone number/email address that was used to send the e-Transfer.
   2. Check with their own financial institution to determine the reason auto deposit did not work for them.

1. Check what email you have set up for auto deposit, it will have to match the email that the sender used.
   1. Vancity only offers auto deposit through email.
2. If you are using a new PAN (new debit card number), you will need to set up autodeposit again

Select province then credit union Vancity.

*Ensure that VCIB has not been selected in error. If it’s asking for your username, then that means VCIB has been selected and you will need to start the process again and select Vancity.

If you want to change the way you receive your MFA code, go to this page for a step-by-step guide. 

What data can be received with an Interac e-Transfer?

What are account to account Interac e-Transfers?

What are e-transfer safe practices?

How do I know if an Interac e-Transfer email or text I receive is real or spam?

I want to send funds to someone, but their financial institution does not have Interac e-Transfers. Can I still send them an e-Transfer?

What happens when someone receives an Interac e-Transfer?

When I send an Interac e-Transfer, when will the recipient be notified they have access to the funds?

How secure is it to send money by Interac e-Transfer?

What are the fees for Interac e-Transfers?