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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 Online Banking(1) or the RBC Mobile(1) app – and your recipient has a bank account at a 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. 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 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. 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 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.

 

Siri for RBC Mobile

Enable Siri for the RBC Mobile app today and see how easy it is to transfer money to anyone in your recipient list with a bank account at a Canadian financial institution. Just tell Siri how much you want to transfer, the person you want to send it to, authenticate using Touch ID and you’re done!

Before you get started

Find out how it works

 

Not Enrolled in RBC Online Banking or the RBC Mobile App?

Enrol in 3 easy steps and you will get immediate access to your accounts so you can send money using the Interac e-Transfer service right away.

Get Started with RBC Online Banking

Download RBC Mobile


+ 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. 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. Service not applicable for US personal chequing accounts.

 

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