INTERAC e-Transfer

Transferring money can be done quickly and securely with INTERAC e-Transfer† service! All you need is your recipient's email address or mobile phone number to send money in just a few quick and easy steps.

Who would benefit from using INTERAC e-Transfer Service?

- Those who would like to split the bill in a restaurant.
- Those paying a roommate for your portion of rent or bills.
- Those wishing to send some birthday cash to a family member.

- Those paying for everyday purchases such as housekeeping, babysitting or home repairs.
- Those who would like to request money they are owed.
- Those accepting or requesting payment for business transactions/ sales.


Sending Limits:

Receiving Limits:

Maximum Transaction Amount



24 Hour Rolling Limit



7 Day (168 Hour) Rolling Limit



30 Day (720 Hour) Rolling Limit



How to Set Up a Sender Profile and Recipient List

Before you can use the INTERAC e-Transfer service, you'll need to create a sender profile and recipient list.

Creating a Sender Profile

  1. Login to online banking and go to 'Transfers' located on the left-hand side navigation.
  2. Under Transfers, select 'Send INTERAC e-Transfer'.
  3. A screen will appear to 'Create Sender Profile'.
  4. Enter your first and last name, smartphone number (if applicable) and your email address.
  5. Click 'Continue'.
  6. Your profile is now created!

What you should know:

  • The email address that you have entered will be used to inform you when your transfer has been received or declined.
  • You can update your profile at any time in MemberDirect® Online Service by selecting the 'Edit Sender Profile' link.

Adding a Recipient

  1. Go to 'Transfers'.
  2. Select 'Add/Delete Recipient'.
  3. Select 'Add a Recipient'.*
  4. Enter the following:
    - Recipient's first and last name.
    - Recipient's email address.
    - Recipient's mobile number. (if applicable)
    - Preferred language. (they will receive emails in this language when you send them money)
    - Preferred way you would like to send notifications of future INTERAC e-Transfers. (smartphone text, email or both)
    - Security question.
    - A single-word answer to the question.
  5. Click 'Continue'.
  6. After verifying that the recipient's information is correct, click 'Save Recipient'.
  7. Your new entry can be found by selecting 'Add/Delete Recipients'.

* If you are using a smartphone, you can import an existing contact from your device:

  1. In the Banking App, open INTERAC e-Transfer.
  2. Tap 'Settings' > 'Manage Recipients' > 'Add Recipients > 'Choose from your contacts'.
  3. Select the contact your want to add and complete the set up.
  4. Tap 'Add'.

What you should know:

  • For your security, only you and the recipient should know the security question and answer. You can communicate this to the recipient by phone or in person for additional security.
  • You can edit a recipient's information at any time, or delete a recipient if you no longer need to send them money via INTERAC e-Transfer.

How to Use INTERAC e-Transfer


After you've created your user profile and a recipient list you can now send an INTERAC e-Transfer transaction.

  1. Log in to online banking and select 'Transfer', or the INTERAC e-Transfer icon on the Mobile App.
  2. Select 'Send INTERAC e-Transfer'.
  3. Enter the amount of money you want to send and the account to withdraw from.
  4. Select the recipient from your recipients list. (See how to create a recipient above, if you have not already set this up.)
  5. Select to send via email, mobile or both.
  6. You can enter a short message for the recipient. This message should not contain the answer to the security question.
  7. Select 'Continue' to complete the transaction.

What you should know:

  • If the recipient has not deposited the money that you sent to them by email, you can send them an email reminder on the 'Pending' page.
  • If the money you have sent has not been deposited by the recipient within 30 days, you will receive a notification with a link to deposit the funds back into your account.
  • Keep the password secret so that only you and the recipient know the answer.


Synergy Credit Union members can receive an INTERAC e-Transfer transaction. Money received by email will be deposited directly into your personal or business Synergy Credit Union account.

  1. Click or tap the link in the email or text notification indicating you have received a new INTERAC e-Transfer transaction.
  2. Skip over 'Find your Financial Institution' as this will not populate Synergy Credit Union.
  3. Select Province as 'Saskatchewan' first, then credit union as 'Synergy Credit Union'.
  4. Log in to MemberDirect Online Banking via the app, mobile web or desktop.

Choose the Synergy Credit Union account into which you wish to deposit the money.

What you should know:

  • You should have prior knowledge of an incoming e-Transfer. If you receive an INTERAC e-Transfer from someone you don't know, you do not have to accept the funds. If you know the sender but you aren't sure why you are receiving an e-Transfer, you should contact the sender to ensure the e-Transfer is legit.


You can cancel an INTERAC e-Transfer transaction before it has been deposited by the recipient.

  1. Log in to online banking and go to the 'Transfer section.
  2. Select 'Send INTERAC e-Transfer'.
  3. View the pending transactions towards the top of the page.
  4. Click 'Pending e-Transfer to view an INTERAC e-Transfer transaction that you have sent but has not yet been deposited.
  5. Click 'Cancel' to cancel the transfer and to deposit the money back into your account.

What you should know:

  • The $1.50 service fee, if applied, will not be refunded when you cancel an INTERAC e-Transfer.
  • Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address before you send money.


Request INTERAC e-Transfer allows you to easily request money you are owed or to use as a friendly reminder when friends or family may have forgotten to pay you back.

How to send a request for money:

  1. Log into online or mobile banking and select 'Transfers', then 'Request Interac e-Transfer'.
  2. Enter the name of the recipient for the request. (To add a new recipient, click 'Add New Recipient'.)
  3. You will need to confirm you have consent from the recipient to request the funds.
  4. Enter the request amount.
  5. Enter any additional details (optional):
    – Invoice number (great for businesses)
    – Due date associated with the invoice
    – A message about the request such as its purpose

An INTERAC e-Transfer notification will then be sent to your contact. Once they receive the notification, they can fulfill the request by logging into their online banking, and the funds will be immediately deposited into your account.

What you should know:

  • If there is a service charge for sending an INTERAC e-Transfer, it will be debited from your account after the funds from the fulfilled request have been deposited.
  • The recipient of the Request Money transaction must have an account at a Canadian financial institution that also has this feature.
  • Money being sent in response to a request for money will take the same time as a regular Interac e-Transfer® transaction. Most transfers will be sent in near real-time to within 30 minutes. Once the Interac e-Transfer notification arrives, you will have instant access to the money.


INTERAC e-Transfer is convenient. But for people waiting to be paid, it’s never fast or easy enough. That’s why there’s Autodeposit. It is a secure way to receive money without having to answer security questions for every transaction.

To register for Autodeposit:

  1. Log into online banking.
  2. Select 'Transfers' > 'Send Interac e-Transfer' or 'Request INTERAC e-Transfer', then select the 'Autodeposit' link OR go to 'Settings', then 'Autodeposit' on your Synergy CU Mobile App.
  3. Enter your email address and select which account to have the funds deposited into.
  4. Read and accept the acknowledgements.
  5. Tap 'Register' to complete the registration.

What you should know:

  • You can register up to 5 email addresses.
  • If you are no longer using an email address, remember to update your email addresses for Autodeposit in online banking.
  • You will need to set up the security question & answer for your recipients even if they have registered for Autodeposit.
  • If you are sending an INTERAC e-Transfer to a recipient who has Autodeposit, but would like them to answer your security question, you should send the e-Transfer notification through text.

Frequently Asked Questions

INTERAC e-Transfer

I sent a transfer but provided an incorrect e-mail address
or mobile phone number for the recipient. What should I do? Expand/Collapse

If you provided an invalid e-mail address, you will be notified via e-mail that the transfer notification was undeliverable. You can readdress and resend the transfer or cancel the pending transfer and the original amount (less the service charge) 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.

I keep getting an error message when sending or receiving
an INTERAC e-Transfer? Expand/Collapse

There are occasionally error messages which can be generated while using INTERAC e-Transfer†, and may include the following:

  • Exceeds sending or receiving limits - per transaction, per day, per week (rolling total) or per month (rolling total).
  • The account you are attempting to send from or deposit to is restricted from use with this feature.
  • The communication between Online Banking and the banking system has timed out.
For assistance with these issues, please contact us at 1.866.825.3301 and we would be pleased to assist you.

How would I know that the INTERAC e-Transfer notification
I received is real? Expand/Collapse

You should always be careful prior to clicking on any links within a notification. Only take action on email notifications when you are expecting someone to send you money. If you suspect a notification may be fraudulent, you can forward the notification to, then delete the email notification.

Request Money

Are there limits for requesting money using
INTERAC e-Transfer? Expand/Collapse

Yes, the limits are the same as sending an INTERAC e-Transfer. The limits are listed at the top of the page.

Can I edit or cancel a money request I have initiated? Expand/Collapse

Yes, you can edit or cancel a money request you have initiated by logging into your online account and accessing the INTERAC e-Transfer Pending Transfers list. If the money request is listed with an "edit" or "cancel" link then these actions can be taken.

Will I be notified once the request has been fulfilled? Expand/Collapse

Yes, once the request for money has been fulfilled and the funds deposited, you will be receive a notification that the funds are available in your account.

Can I decline a request? Expand/Collapse

Yes, you can decline a request for money by selecting the decline option within the notification or on INTERAC's page showing details of the request. If you provide a reason for declining the request, the same will be conveyed to the requestor.


Once I’ve registered for the Autodeposit feature, how will
I know when someone sends me money? Expand/Collapse

You will receive a notification by email every time you receive funds through the Autodeposit feature, letting you know that money has been deposited into your designated bank account and the details associated with the transfer (from who and any messages provided by the sender).

Can I cancel an INTERAC e-Transfer transaction when it is
going to the recipient that is registered for Autodeposit? Expand/Collapse

Transfers can only be cancelled if they haven't already been deposited. To cancel an INTERAC e-Transfer transaction, you need to login to your online banking account and locate the transfer in the INTERAC e-Transfer Pending Transfers or Transfer History list. If the transfer doesn't have a "cancel" link beside it then the deposit has completed and can no longer be cancelled.

What happens if a sender from an FI that does not support
Autodeposit, sends an INTERAC e-Transfer to a recipient who has
registered for Autodeposit at another FI that does? Expand/Collapse

Any Send Money INTERAC e-Transfer sent from a financial institution (FI) that does not support Autodeposit will require a recipient to select their FI and answer security question to receive funds. The behaviour for recipient, without Autodeposit, will be the same as with the existing INTERAC e-Transfer Send Money* feature.

*Send Money is the existing INTERAC e-Transfer feature that allows a sender at a Canadian FI to 'send money' via email or SMS to a recipient who can receive funds at the same or another Canadian FI.

Additional Information:

- It may take up to 30 minutes for the recipient to receive a notification. (Transfer time is dependent on internet and financial institution connectivity.)

- You should always be careful prior to clicking on any links within a notification. Only take action on email or text notifications when you are expecting someone to send you money or if you know the person requesting money and are in agreement with the amount. If you suspect a notification may be fraudulent, please contact us.

- If you need further assistance, please see the demo below or give us a call at 1-866-825-3301. We would be pleased to assist you.

Key Tools and Resources

Video Resources

INTERAC Request Money

INTERAC Autodeposit

INTERAC e-Transfer Online Video

INTERAC e-Transfer Demo - How it Works

† Trade-mark of Interac Inc. Used under license.
® MEMBERDIRECT & Design are registered trade-marks owned by Credit Union Central of Canada, used under license.

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