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, the account you would like to pay from, and in the "To:" dropdown list, select "INTERAC e-Transfer".

  3. Select the date(s) you would like to make the payment(s) on and select "Submit".
  4. 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)
  5. Upon confirmation, an email or text message notification will be automatically 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 learn more on what your individual limit is send us a secure email through the Online Banking Message Centre or call 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 with RBC Royal Bank.

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.