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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 and money

Want to send money to your child, landlord, co-worker or a friend? If you use RBC® Online Banking(1) or the RBC® Mobile(1) app and your recipient has a bank account at a Canadian financial institution, you can send money any time by using the Interac e-Transfer service.

It's easier than cheques, more secure than cash, and is FREE for all personal chequing accounts. No need for stamps, envelopes or mailboxes. Plus you can send up to $10,000 CAD per day.(2)

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 messages and can deposit the money immediately through their online banking provider. 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 RBC Online Banking or the RBC Mobile app and the Interac network. Only the notification is sent by email or text message. The shared security question you create with the recipient means only they can access the money you send. Plus you're always protected by the RBC Online Banking Security Guarantee^.

Sending an Interac e-Transfer is FREE for all RBC personal chequing accounts (excludes savings accounts)(3).

Receiving and depositing an Interac e-Transfer using RBC Online Banking or the RBC Mobile app is free. And you can see current and past transfers at any time through the "Payment History" link found within Pay Bills & Transfer Funds in RBC Online Banking, or through the "History" tab on the RBC Mobile app.

Don’t have RBC Online Banking or the RBC Mobile App?

In just 3 easy steps you’ll get immediate access to your account information so you can start sending money using the Interac e-Transfer service right away.


‡ All other trademarks are the property of their respective owner(s).
+ 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 are operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Online Banking is operated by Royal Bank of Canada.
2) If you are eligible, we may give you the option to exceed the maximum daily electronic limit up to $10,000 CAD per day, if you successfully complete an additional authentication process. This involves receiving a one-time password by text message from us to your mobile phone and entering it in order to complete the transaction. To be eligible for this service you must have a Canadian mobile phone number recorded with us.
3) An Interac e-Transfer fee of $1.00 for RBC personal savings accounts or $1.50 for RBC business deposit accounts may apply. Not applicable for US personal chequing accounts.