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Personal Banking > Bank Accounts > Managing Your Bank Accounts > Payment Services > Interac e-Transfer

Interac e-Transfer

Interac e-Transfer

Save time, effort, even money

Want to send money to your child, landlord, co-worker or a friend? If you use RBC Royal Bank® Online Banking or the RBC® Mobile1 app – and your recipient has a bank account at any Canadian financial institution – you can do this by using Interac e-Transfer.

It's easier than cheques, more secure than cash, and costs less than bank drafts. No need for stamps, envelopes or mailboxes.

Key features and benefits

  • It's SIMPLE. All you need is the recipient's name and email address or mobile phone number.
  • It's FAST. Recipients are notified of transfers via email or text message notification and can deposit the money immediately through RBC Online Banking or the RBC Mobile app. Even if the recipient doesn't use online banking, for an additional fee*, the funds can be deposited into their account within 3 – 5 business days.
  • It's SECURE. The money is transferred through Online or Mobile Banking and the Interac network, not by email or text message. The shared security question you create with the recipient means only he or she can access the money you send. Plus you're protected by the RBC Online Banking Security Guarantee^.

Sending an Interac e-Transfer is FREE for all RBC personal chequing accounts. A service fee of $1.00 may apply to personal savings accounts, and a fee of $1.50 for all Small Business accounts. This fee is non-refundable. Receiving and depositing a transfer using RBC Online Banking or the RBC Mobile app is free. And you can see current and past transfers via the "Payment History" link found within Pay Bills & Transfer Funds in RBC Online Banking or through the "History" tab on the RBC Mobile app at any time.

Sign In to Online Banking

Not an Online Banking client?

Enrol now. When you receive your activation code, you can send your first Interac e-Transfer.

+ Transfers can only be made from Canadian dollar bank accounts.
* Service fee rendered by Acxsys Corporation, which owns and operates the Interac e–Transfer service.
^ If an unauthorized transaction is conducted through your RBC Online Banking service, you will be 100% reimbursed for any resulting losses to those accounts. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement (opens new window). This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.
1) RBC Mobile and RBC Canada is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Trademark of Interac Inc. Used under Licence.


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