If you have a monthly plan, there are no additional fees for sending Interac e-Transfers. They're included in your plan's transactions.

However, if you exceed the number of transactions included in your plan or if you don't have a monthly plan, fees may apply.

See our transaction plans

It's free to receive an Interac e-Transfer.

You can transfer up to $5,000 per 24-hour period.

In most cases, the recipient receives a notification a few minutes after the money is sent. The money is deposited as soon as the recipient accepts the transfer. It may take up to 30 minutes to receive the notification.

An Interac e-Transfer expires 30 days after it's sent.

No. Notifications are optional when sending a transfer.

1. Go to Manage active e-Transfers.
2. Under e-Transfers in progress, select the transfer you want to cancel.
3. Click Cancel e-Transfer on the e-Transfer information page.
4. Select the account where you want to deposit the money.
5. Click Confirm.

You can simply ignore it. It will expire in 30 days.

You can also directly decline a transfer by answering the security question (as if you were going to deposit the money). You'll then have the option to decline the transfer.

You can't send a reminder in AccèsD.

But Interac sends regular reminders. After 30 days, the transfer expires and you can deposit the funds from the Manage active e-Transfers section.

You can retrieve the funds by cancelling the transfer according to the cancellation procedure. You can also reclaim the money through the link in the notification message that was sent to you.

Yes, you can now receive an Interac e-Transfer by giving your Desjardins account number to the sender. You don't need to register for Interac or answer a security question. The funds are automatically deposited into your account.

No. Currently, it's not possible to send an Interac e-Transfer from a Desjardins account using the recipient's account number.

Yes. When you use Interac e-Transfer, the only things you'll receive by email or text are notifications or deposit instructions.

Desjardins and the recipient's financial institution follow several secure procedures to transfer your money:

• Transaction encryption
• Authentication before accessing financial institution transactional sites
• Security question and answer before accessing funds
• Technology for monitoring unusual transactions

Learn more about security measures at Desjardins

It's a question only you and the recipient know the answer to. The recipient must answer the question correctly to receive the money.

To choose a good security question, follow these tips:

• Avoid questions that anyone could know the answer to, like "What's the capital of France?"

• Make sure that only your recipient knows the answer to the question.
• Let your recipient know the answer to the question through a different means of communication than the one you used to make the transfer.

You have 3 attempts to answer the security question. After 3 incorrect attempts, the transfer will be cancelled.

Yes. When an Interac e-Transfer is sent to your account number, you don't have to answer a security question. The funds are automatically deposited into your account.

Yes. 100001 is the short code address used to send all Interac e-Transfer text notifications (transfer receipt notifications, reminders, etc.).