Interac e-Transfer®

Interac e-Transfer® is a convenient and secure way to send, request and receive money. Anyone with an email address or mobile phone number and an account at a participating Canadian credit union or bank can use the service without sharing any personal financial information.

This enhanced feature enables funds to be deposited directly to your account, without having to answer a security question via email. This feature provides an additional level of security and peace of mind. Learn more
Send Money
The original e-Transfer feature which allows you to send money directly to another person using online or mobile banking.
Request Money
With the Request Money feature, you can request money directly from anyone on your e-transfer recipient list. Once accepted, the funds will be withdrawn tom the recipient and deposited into your account. Learn more

Interac e-Transfer®

 e-Transfer allows members to email or text money to anyone with an email address or mobile phone number and bank account in Canada without sharing any personal or financial information.  It is a great alternative to cheques and cash.

Interac e-Transfers are a simply, convenient and secure way to send and receive money from one bank account to another.  All you need is access to online banking or mobile banking through your financial institution.

Not signed up for online banking? Contact us today and we'll get you set up in minutes. Don't miss out on discovering what freedom is for you.

Ways to Use

You can use Interac e-Transfer® to send money in minutes to anyone with an email address and an account at a participating Canadian credit union or bank. The process is simple, convenient and secure. It's a great alternative to cheques and cash.

With Interac e-Transter® you can...

  • Send money to children at college
  • Send gifts to friends and family
  • Pay your rent electronically
  • Pay for items purchased online or at garage sales
  • Settle a bill with a friend
  • And much, much more...the possibilities are endless


  • Send and receive money directly from and to your existing bank account
  • There's no need to share personal or financial information, allowing you to keep your address, phone number and account information private
  • A security question protects your transfer from being deposited by unintended recipients
  • Email carries the notification, so no need to get stamps or to find a mailbox

Is it Safe?

With Interac e-Transfer®, your money never actually travels by email. Email is only used to notify the recipient and to provide them with instructions on how to deposit money. Atlantic Edge Credit Union and your recipient's financial institution transfer funds using established and secure banking procedures.

Learn More and Demos

View the Interac e-Transfers website and demo

Interac Autodeposit

Autodeposit Feature

Autodeposit is a feature within the Interac e-Transfer® service where you can register your email address(es) to have funds deposited directly into your account, without having to answer a security question. The sender is made aware before initiating a transfer that the recipient is registered for Autodeposit.

Interac Request Money

Request Money Feature

Request Money is a feature within the Interac e-Transfer® service where money can be requested from anyone in Canada within the security of your online banking or mobile banking application. Money can be requested using email or text messaging. When your request is fulfilled, you will receive notification once the funds are available in your account.


How do I access Interac e-Transfer®? Expand/Collapse

Sign in to online banking, Mobile Web and the Mobile App. Once logged in, simply select Transfers from the navigation menu to access Interac e-Transfer®.

How secure is Interac e-Transfer®? Expand/Collapse

Interac e-Transfer® is one of the safest digital money transfer services in the world. When the service is used, the money is transferred using established and secure banking procedures that financial institutions have used for years to settle cheques, bank machine deposits and withdrawals. Money never travels by email or text - these are simply used to notify you that money was sent or requested, as well as provide instructions to deposit.

What is an intercepted e-Transfer? Expand/Collapse

This occurs when a legitimate customer sends an e-Transfer to someone they know. Criminals seize the opportunity to deposit the funds to a mule account before the intended recipient has the chance. The interception is not caused by a vulnerability in MemberDirect® or the Interac e-Transfer® product, but rather because the recipient’s email account was accessed by a criminal; known as email account compromise. Once in that account, criminals can “see” the notification from Interac and use the deposit link to redirect funds into a different account by answering the security question.

How do I protect myself from email account compromise? Expand/Collapse

There are several ways to protect your email account from being compromised. You should:
• Use two-factor authentication for e-mail; most email providers have this feature.

• Select a strong password for your email account and change it regularly.

• Do not use the same password across various accounts.

• Be cautious not to click on any phishing links and ensure that you are only transacting        with trusted websites, vendors and people.

How do I use Interac e-Transfer® safely? Expand/Collapse

When using Interac e-Transfer®, you should:
• Register for Autodeposit. This will make sending money on the e-Transfer service more secure, as any transactions that are flagged for auto-deposit will be deposited without sending an email to the recipient.

• Select a question and answer that is not easy for a third party to guess and cannot easily be found on social media. If the notification is intercepted, it will be harder for a criminal to answer and steal the funds.

• Not communicate the answer to the security question via email or text. • Immediately notify your credit union if you sense anything suspicious about your transaction.
Important: In order to have these new features on your device, you must upgrade your apps.
  • For additional information on the security and capabilities of Interac e-Transfer, click here to read more.
Note: Before completing an e-Transfer, please read the Direct Services Agreement for details on terms and conditions of use.
® Trademark of INTERAC Inc. Used under license
* Transfer time is dependent on internet and financial institution connectivity