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INTERAC e-Transfer

Easy. Fast. Secure.


INTERAC e-Transfer® is a convenient way to send and receive money directly from one bank account to another. All you need is access to online or mobile banking, and you can send or request money to anyone with an email address or mobile phone number and a bank account in Canada — without sharing any personal financial information.

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.
  1. Login to Digital Banking on your preferred device.
  2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon at the top left of the screen then select Interac e-Transfer®).
  3. Under the 'Interac e-Transfer' section, click ‘Profile settings.’
  4. You will be asked to confirm your information – name, email, mobile phone.
  5. Click 'Continue'.
  6. Verify your details and click ‘Continue.’
  7. Enter the one-time password you received at your mobile devices (text message) or email address.
  8. Click 'Continue'.
  9. Your profile is now created.

What you should know:

  • The email address and/or mobile phone number 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 using the same steps as list above.
After you have set up your profile, you can add contacts.

  1. Go to ‘Transfers & Payments’ (on the app tap the menu icon at the top left of the screen then select Interac e-Transfer®).
  2. Under the 'Interac e-Transfer' section, click ‘Manage contacts.’
  3. Click ‘Add contact.’
  4. Enter the name of the person you wish to add.
  5. Enter email address/mobile phone number.
  6. Select language preference – defaulted to English.
  7. Select the notification method using the drop down menu.
  8. Enter the security question and the answer.
  9. Re-enter the answer to the security question.
  10. Click ‘Continue.’
  11. Confirm the details of the contact added
  12. Click ‘Continue.’
  13. Enter the one-time password you received to your mobile phone (text message) or email address.
  14. Click ‘Continue.’

    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

    Sending money by INTERAC e-Transfer® is quick and easy. After you've created your profile and a contact, you can send an INTERAC e-Transfer transaction.

    1. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon at the top left of the screen then select Interac e-Transfer®)
    2. Under the 'Interac e-Transfer' section, click ‘Send money'.
    3. Select the account you wish to send from.
    4. Select contact from dropdown menu.
    5. Create a security question that relates the contact will answer.
    6. Enter the amount.
    7. Add optional message.
    8. Click ‘Continue.’
    9. Confirm details.

    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.
    • Follow along with our interactive demo to learn how to add a contact and send an INTERAC e-Transfer

    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'.
      TIP: If you are having issues finding 'Saskatchewan' or 'Synergy Credit Union', you can use the search function. Just enter 'Synergy Credit Union' in the search field.
    4. Log in to digital banking.
    5. 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.
      • Follow along with our interactive demo to learn how to accept an INTERAC e-Transfer

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

      1. Login to Digital Banking on your preferred device.
      2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon at the top left of the screen then select Interac e-Transfer®)
      3. Under the 'Interac e-Transfer' section, click ‘History.’
      4. If you have any pending transactions they will be displayed on the page.
      5. Click 'Pending e-Transfer to view an INTERAC e-Transfer transaction that you have sent but has not yet been deposited.
      6. 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.
        • Follow along with our interactive demo to learn how to cancel an INTERAC e-Transfer
        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 into your account without having to answer security questions for every transaction.

        To register for Autodeposit:


        1. Login to Digital Banking
        2. Select 'Transfers & Payments' from the navigation menu (If you are using the app, tap the menu icon and select 'Interac e-Transfer')
        3. Under the 'Interac e-Transfer' section, click 'Autodeposit settings'
        4. Click 'Add Autodeposit'
        5. Enter your details as per requested, choose either your email address or mobile phone number to register with
        6. Select an account from the drop down
        7. Read and check off the acknowledgement
        8. Click 'Continue'
        9. Confirm details
        10. Click 'Continue'
        11. Receive one-time pass code (OTP)
        12. Enter the one-time pass code
        13. Click 'Continue'
        14. Confirmation screen appears that is has been successfully added.
        15. Receive notification from Interac to complete registration.

          What you should know:

          • You can register up to 5 email addresses and/or mobile phone numbers.
          • If you are no longer using an email address, remember to update your email addresses for Autodeposit in online banking.
          • If you have registered with your mobile phone number you will need to renew the Autodeposit registration every 90 days.
          • You will need to set up the security question and answer for your recipients even if they have registered for Autodeposit.
          • For more information, check out this Autodeposit demo.

          What is Autodeposit?

          Have more questions?

          Check out our frequently asked questions on all things INTERAC e-Transfer.

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