Send an Interac e-Transfer

To send an Interac e-Transfer, from the Banking tab:

  1. Select "Pay Bills and Transfer Funds".
  2. Enter the amount you want to send and select the account you want to send the funds from. In the "To:" dropdown list, select "INTERAC e-Transfer". You can't specify the date you want to send the INTERAC e-Transfer on.



  3. You will be asked to:
    • Provide the name and email address or mobile phone number of the recipient
    • Provide a security question and answer that only the recipient will be able to answer (you may want to agree on a question with the recipient in advance)
  4. An email or text message notification will automatically be sent to the recipient with instructions on how to retrieve the funds.

Your Interac e-Transfer send limit is based on your client card's daily access limit. To find out what your limit is, send us a secure email through the RBC Royal Bank Online Banking Message Centre or call us at 1-800-769-2555. There is a minimum transfer limit of $0.01.

Fees for an Interac e-Transfer

The following fees apply to Interac e-Transfers.

Service Fee
Send an Interac e-Transfer from your RBC Personal Deposit Account $1.00(1)
Send an Interac e-Transfer from your RBC Business Deposit Account $1.50
Receive an Interac e-Transfer No Fee
Cancel an Interac e-Transfer No Fee
Reclaim fee for expired Interac e-Transfers not cancelled by the sender $5.00

1) RBC VIP Banking® accounts receive unlimited Interac e-Transfers per month, RBC Signature No Limit Banking® accounts receive 15 free Interac e-Transfers per month, RBC No Limit Banking® and RBC No Limit Banking for Students® receive 10 free Interac e-Transfers per month, and RBC Student Banking® receive 5 free Interac e-Transfers per month. If not used, these cannot be carried over into the next applicable monthly cycle or calendar year.