Interac e-Transfer†

man uses Interac etransfer on mobile

Sending, requesting and receiving money directly from one bank account to another is easy - thanks to Interac e-Transfer†!

What do I need?

All you need is access to AA online banking or the AA Mobile app and you can send or request money to anyone with an email address or mobile phone number and a bank account in Canada.

Is it secure?

Personal information is never shared so it’s safe, reliable and so convenient! 

Receive transfers even faster!

Autodeposit allows you to automatically deposit incoming transfers into an account of your choice without having to manually accept and answer the security question. No more waiting for emails and texts! Learn how to sign up for Autodeposit in the FAQ section below.

online banking screen with e-transfer

Where do I start?

From AA Mobile, select Send Money from the top menu. If you’re on a desktop, select Transfers from the top menu and then select INTERAC e-Transfer from the left-side menu.
Select Send Money
Next, select an existing contact or set up a new contact by selecting Manage Contacts and then Add Contact.
Select a Contact
Fill out the contact information fields, including name, contact method (email or mobile phone number) and a choose a security question and answer for the transfer. Click Save Contact.
Add a contact
After selecting a contact to transfer money, enter the amount you’d like to send and which account you would like to transfer from. Press Continue, confirm all the transfer details are correct and press Continue again to complete the transfer. Easy!
Set up transfer
To view previous or pending transactions select Send Money and then click the clock icon in the top left-hand side of the screen.
See pending and past transactions

Send and Receive Limits

  Send
Per transaction $3,000 to max. weekly limit
Per day $10,000 to max. weekly limit
Weekly Limit $10,000 7 days inclusive
Monthly Limit $20,000 30 days inclusive
  Receive
Per transaction $25,000

Effective July 8, 2021 there is no longer a restriction on the cumulative daily, seven-day, or 30-day rolling periods.

Service Fees

It's free to send an Interac e-Transfer† from your Unlimited, Youth, Student or 65+ chequing account.

Your first two e-Transfer† transactions per month are free with the Value Chequing. Beyond that there’s a $1 fee per e-Transfer†. The $1 fee applies to all Interac e-Transfer† transactions on the Pay-as-you-go chequing. They also count as an electronic debit so you may be charged an additional fee depending on the type of account you have and how many transactions you’ve completed that month.

As for our business accounts, we offer free unlimited e-Transfer† transactions with the Business Select chequing account. Our Business Enhanced and Business Basic chequing accounts give five free e-Transfer† transactions per month and beyond that there’s a $1 fee per e-Transfer†. The $1 fee applies to all e-Transfer† transactions from your Business Savings account.

Receiving Interac e-Transfer† transactions are always free for the recipient!

Looking to learn more? Find it here:

Expand all

  • How do I send an INTERAC e-Transfer?

  • How do I receive money through INTERAC e-Transfer?

  • How can I request a payment through INTERAC e-Transfer?

  • How do I sign up for Autodeposit?

  • How long will it take for the recipient to get the INTERAC e-Transfer I sent?

For even more information about e-Transfers, visit Interac’s website here: Consumer Frequently Asked Questions (FAQs) | Interac

†Interac e-Transfer is a registered trademark of Interac Inc. Used under licence.