Frequently Asked Questions about Interac e-Transfer®

1.  How long does it take to send and receive Interac e-Transfers®?

An e-mail and/or SMS text message notifying the recipient of their Interac e-Transfer® is sent immediately after the sender completes the transaction. Once the recipient receives notification, they can complete the deposit process, usually within just a few minutes of the transfer being sent.

2.  I sent an Interac e-Transfer® but provided an incorrect e-mail address or mobile phone number for the recipient. What should I do?

If you provided an invalid e-mail address, you will be notified via e-mail that the transfer notification was undeliverable. You can re-address and resend the transfer or cancel the pending transfer and the original amount will be credited back to your account.

If you provided an invalid e-mail address, but did provide a valid mobile phone number, you will not be notified by e-mail that the transfer was undeliverable.

If you have provided an invalid mobile phone number and chose to notify your recipient by mobile phone only, you will not be notified in any way that the SMS text message did not go through.

3.  How do I re-address and resend an Interac e-Transfer®?

If you have been notified of an undeliverable Interac e-Transfer® due to an incorrect e-mail address, you can re-address and resend the transfer. Just:

  • Edit your recipient information to include the valid email address.
  • Select the “Resend Notification” from the “Pending Transfer” screen.
  • Click “Confirm”.

An e-mail notice will be resent to the recipient's valid e-mail address.

4.  How do I cancel an Interac e-Transfer® and deposit the funds back into my account?

To cancel and deposit the Interac e-Transfer® amount back into your account, you must check the status of the transfer – if the transfer is still in the list of Pending Interac e-Transfer®, simply click “Cancel” and follow the instructions. The transfer amount is automatically deposited back into the account indicated.

If the transfer is no longer in your list of Pending Interac e-Transfer®, please contact your local branch for assistance.

5.  Does the recipient get a reminder to deposit their Interac e-Transfer®?

The recipient will receive an email or SMS text reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28 days. After 30 days, the transfer will expire and the recipient will no longer be able to deposit the funds. At that time the sender will be notified and can cancel the expired transfer to re-deposit the funds.

6.  What is a security question? What are the guidelines for the security answer?

The security question verifies the recipient’s identity and protects your funds from being received by the wrong person. The question must be answered correctly in order to complete the deposit process. It is the sender’s responsibility to create a security question and answer known only to the recipient.

Guidelines for the security answer:

  • the answer must be one word,
  • the answer must not contain any blank spaces,
  • the answer is not case sensitive and letters and/or numbers are accepted,
  • the answer cannot contain special characters (&, $, etc.),
  • the answer should be kept strictly confidential between the sender and recipient,
  • the security question and/or answer must not be included in the optional message attached to the Interac e-Transfer®.

7. What happens when an Interac e-Transfer® cannot be received?

The sender will be notified by e-mail when an Interac e-Transfer® cannot be completed if:

  • the recipient declined the transfer,
  • the 30-day time period for the recipient to claim the transfer has expired,
  • the e-mail address you entered for your recipient is invalid (see FAQ #2),
  • the recipient was unable to correctly answer the security question.

Once the sender receives this notification, they can follow the links in the message to cancel and re-deposit the funds.

8.  I keep getting an error message when sending or receiving an Interac e-Transfer®.

There are several error messages which can be generated while using the Interac e-Transfer® service, which may include the following

  • exceeds sending / receiving limits, for a single transaction, a week or a month,
  • the account you are attempting to send from, or deposit to, is restricted from use with this feature.

9.  What is CertaPay?

CertaPay powers the Interac e-Transfer® service for the participating financial institutions. CertaPay facilitates the e-mail notice process and maintains the Interac e-Transfer® database.

Interac e-Transfer® is a registered trade-mark of Interac Inc. Used under license.

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