How to send money using Interac e-Transfer


Read the updated Products and Services Agreement

What you'll need

  • A Simplii® account
  • Access to Simplii mobile banking or Simplii online banking
  • An email address or Canadian mobile phone number

1. Sign onOpens in a popup. to online banking or the mobile banking app and from the menu, select Interac e-Transfer”

2. Select “Get Started”

3. Read and accept the Terms and Conditions

4. Enter your personal details

5. Enter your name and email address on the setup page. Select “Continue”. Now you’re ready to transfer your money.

What you'll need

  • A Simplii® account
  • Access to Simplii mobile banking or Simplii online banking
  • Contact's email address or Canadian mobile phone number

1. Sign onOpens in a popup. to online banking or the mobile banking app and from the menu, selectInterac e-Transfer”

2. Select "Contact List."

3. Enter the contact’s name, email address or mobile phone number and language preference, and select “Add”

What you'll need

  • Access to Simplii mobile banking or Simplii online banking

1. Sign onOpens in a popup. to online banking or the mobile banking app and from the menu, selectInterac e-Transfer”

2. Select “Send Money”

3. Select the recipient for your Interac e-Transfer payment from your contact list, or add a new contact or select to send to a one-time recipient

4. Enter the amount and account you’d like to transfer money from plus the frequency you would like the money sent. It’s available once, weekly, biweekly, every 3 months, every 6 months , and yearly .  For recurring Interac e-Transfer payments, the contact must be registered for Autodeposit

5. Select the method you would like to send the money by, either email or mobile number. You can also add an optional message that is viewable on the Interac e-Transfer Status page. Select “Continue” to proceed.

6. Create a security question and answer if required and confirm that your transaction details are correct before selecting “Continue” to proceed with your transaction.

7. Your recipient receives and claims the money you sent

Note: If you send money with Interac e-Transfer to a client not registered for Autodeposit between 8:00 pm and midnight (ET), your recipient will get an email dated the following day. Your recipient has 30 days to claim the transfer. After that, we’ll send you an email notifying you that you can reclaim the transfer amount.

There is no fee to send money using Interac e-Transfer.

The following sent Interac e-Transfer limits apply:

  • In any 24-hour period: $3,000
  • In any 7-day period: $10,000
  • In any 30-day period: $30,000


If the contact is registered for Autodeposit, you won't be asked to enter a security question and answer as the funds are automatically deposited into their bank account.

What you'll need

  • A Simplii® account
  • Access to Simplii mobile banking or Simplii online banking
  • An email address or a Canadian mobile phone number

New feature

1. Sign on Opens in a dialog to Simplii Financial online banking and from the menu, select "Interac e-Transfer.”

2. Select "Autodeposit e-Transfer Settings"

3. Enter the email address or Canadian mobile phone number that you want to register. This means that anytime anyone sends you money using Interac e-Transfer to this email address or mobile phone number, it will deposit automatically into the selected deposit account

4. Select the deposit account you want the funds to be automatically deposited to.

5. Verify all details and select "Confirm"

6. When you receive the verification email or a text message (SMS) from Interac, select "Complete registration" to activate the Autodeposit settings

1. Sign on Opens in a dialog. to online banking or the mobile banking app and from the menu, select Interac e-Transfer”

2. Select a contact from the list or add a new contact

3. Enter the amount in the “Amount” field, the transfer method, frequency of payment and select “Next”

4. If the contact has registered for Autodeposit:

  • You will see a note on the security question screen
  • You won’t be prompted to set up a security question
  • You won’t be able to stop or reclaim this transfer once it is sent


5. If the contact has not registered for Autodeposit or the transfer method you’ve selected is not registered for Autodeposit, you will be prompted to set up a security question and answer

6. Verify the transfer details carefully and select “Confirm” to proceed

Sent limits apply to money sent through Interac e-Transfer to a contact registered for Autodeposit

What you'll need

  • A Simplii® account
  • Access to Simplii mobile banking or Simplii online banking

New feature

1. Sign onOpens in a popup. to Simplii Financial online banking and from the menu, select the Interac e-Transfer.”

2. Select “Request Money.”

3. Select the contact, enter the amount you’re requesting and the account to which you want the funds deposited once fulfilled.

4. Confirm that you have a relationship with the request contact and select “Send Request.”

5. You can cancel the request or send a reminder in the Status section.

There is no fee to send a Request Money.

Request Money limits:

  • Request up to $10,000
    Financial institutions may have different limits for using Interac e-Transfer. Confirm with your contact that they can send the amount you’re requesting.
  • Have up to 200 active Interac e-Transfer Request Money transactions at a time

1. Open the “Request Money” email you received and select the Simplii logo

2. Sign onOpens in a popup. to online banking or the mobile banking app

3. Review the “Request Money” details carefully

4. Select “Next” to send the transfer (or “Decline” to decline the Request Money)

5. Select the account you want the money withdrawn from, and when and select “Next”

6. Verify the transfer details and select “Yes” to proceed

Note: The money will be immediately taken out of your account or on the date you’ve requested, and deposited into the requestor’s account after you’ve confirmed the transfer. You won’t be able to reclaim or cancel it, unless you’ve scheduled the payment for a future date.

  • There are no fees for fulfilling a Request Money.
  • Sent-transfer limits apply to any transfer sent via Interac e-Transfer to fulfill a Request Money.

What you'll need

  • A Simplii® account
  • Access to Simplii mobile banking or Simplii online banking

1. Sign on Opens in a popup. to online banking or the mobile banking app and from the menu, select Interac e-Transfer.”

2. Select “Status and Stop Transfer” in online banking or “Review History” in the mobile banking app to check if your payment is eligible for recall.

3. Navigate to the month in which you sent the transfer, and select it.

4. Choose the payment you want to cancel and select “Stop this Interac e-Transfer.”, then select “OK.”

5. Review and agree to the Terms and Conditions, then select the account you want to deposit your money in.

6. You’ll be charged $3.50 for a stop payment.

7. Select “Stop Interac e-Transfer”, then “Stop Transfer now.”

Money sent through Interac e-Transfer Autodeposit cannot be reclaimed after its been processed.

1. Sign on Opens in a dialog. to online banking or the mobile banking app and from the menu, select Interac e-Transfer.”

2. Select “Status and Stop Transfer” in online banking or “Upcoming Transactions” in the mobile banking app.

3. Navigate to the “Scheduled” tab and the payment you want to cancel and select “Delete”.

4. You will not be charged for cancelling or deleting the payment.

5. You have until 6:00 am ET on the day it’s scheduled to send to cancel or delete the payment.

6. Note that deleting a recurring transfer will delete all upcoming transfers in the series.

What you'll need

  • A Simplii® account
  • Access to Simplii mobile banking or Simplii online banking

New feature  

Money sent with Interac e-Transfer will return to your account automatically if:

  • The contact declined the transfer
  • The time period for the contact to claim the transfer has expired
  • The email address or mobile phone number you entered for your contact is invalid
  • The contact was unable to answer the security question


You will receive a notification by email or text message. 

Your questions answered