Interac® FAQ

Interac e-Transfer®

The smart secure way 
to send your own money


Interac e-Transfer is a simple, convenient, and secure way to send and receive money directly from one bank account to another. All you need is access to online or mobile banking through a participating financial institution, and you can send money to anyone with an email address or mobile phone number and a bank account in Canada — without sharing any personal financial information. It's a great alternative to cheques and cash.

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Transactions can be conducted anytime, anywhere via online or mobile banking.

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Only a recipient’s email address or mobile number is required to send money. No need to set up new accounts, user IDs or passwords – you’re already in online banking!

Interac Debit Headline to Grab User Attention


Money is transferred directly between financial institutions - without sharing any personally identifiable financial information.

How it works

What financial institutions offer Interac e-Transfer?

You can use Interac e-Transfer at over 200 participating financial institutions.

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Full list of participating financial institutions

Interac® Online

Shop online and pay
directly from your bank account


Offered by hundreds of merchants for online payments, Interac Online allows you to pay for your purchases easily, directly from your bank account. Whether you’re ordering dinner, looking for a gift for a special someone, or treating yourself to that brand new pair of shoes you’ve been eyeing, Interac Online is an immediate, secure, and easy-to-use online payment method. All you need is access to online banking through a Participating Financial Institution. Payments made with InteracOnline are conducted through the convenience of your existing online banking access, without requiring you to create any new user names, passwords or accounts.

Interac Online offers you privacy and security

When you pay for online purchases with Interac Online, none of your financial details, such as online banking information, is shared with the merchant or any third parties. Your payment is completed through your financial institution, who settles with the merchant using established and secure banking procedures.

Interac Online also helps you better manage your finances. You pay immediately using available funds from your bank account, unlike credit cards where you may owe more later.

Offer Interac Online to your customers today

Are you a merchant interested in offering Interac Online to your customers? Your first step is to contact a participating acquirer or payment service provider. Find out more about how to enable Interac Online here.


How Interac Online works

When you choose to pay with Interac Online, you will be guided through these simple steps when you're ready to checkout:

  • The online merchant’s checkout page will redirect you to the InteracOnline gateway page, prompting you to select your financial institution.
  • Login to online banking and select the account you want to pay from. You will be prompted to confirm the payment amount.
  • Upon confirmation of your payment through your financial instituation’s secure online banking, you will be returned to the merchant’s checkout confirmation page, where your order will be processed.


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