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    The Daily Stash

    How to cancel an Interac e-Transfer (by bank)

    Updated · Tested by DailyStash editors

    TD Canada Trust

    1. Log in to your TD Canada Trust online banking or mobile app.
    2. Open the Interac e-Transfer section (usually under Transfers or Pay & Transfer).
    3. Find the transfer in the Pending or Sent list.
    4. Tap Cancel Transfer (TD Canada Trust's exact wording [VERIFY]).
    5. Confirm. The funds return to your account, usually within [VERIFY] minutes.
    6. TD Canada Trust may charge a Stop Payment fee if the transfer has already been notified to the recipient — typically CA$[VERIFY].

    See also: TD Canada Trust Interac e-Transfer limits →

    RBC

    1. Log in to your RBC online banking or mobile app.
    2. Open the Interac e-Transfer section (usually under Transfers or Pay & Transfer).
    3. Find the transfer in the Pending or Sent list.
    4. Tap Cancel Transfer (RBC's exact wording [VERIFY]).
    5. Confirm. The funds return to your account, usually within [VERIFY] minutes.
    6. RBC may charge a Stop Payment fee if the transfer has already been notified to the recipient — typically CA$[VERIFY].

    See also: RBC Interac e-Transfer limits →

    CIBC

    1. Log in to your CIBC online banking or mobile app.
    2. Open the Interac e-Transfer section (usually under Transfers or Pay & Transfer).
    3. Find the transfer in the Pending or Sent list.
    4. Tap Cancel Transfer (CIBC's exact wording [VERIFY]).
    5. Confirm. The funds return to your account, usually within [VERIFY] minutes.
    6. CIBC may charge a Stop Payment fee if the transfer has already been notified to the recipient — typically CA$[VERIFY].

    See also: CIBC Interac e-Transfer limits →

    Scotiabank

    1. Log in to your Scotiabank online banking or mobile app.
    2. Open the Interac e-Transfer section (usually under Transfers or Pay & Transfer).
    3. Find the transfer in the Pending or Sent list.
    4. Tap Cancel Transfer (Scotiabank's exact wording [VERIFY]).
    5. Confirm. The funds return to your account, usually within [VERIFY] minutes.
    6. Scotiabank may charge a Stop Payment fee if the transfer has already been notified to the recipient — typically CA$[VERIFY].

    See also: Scotiabank Interac e-Transfer limits →

    BMO

    1. Log in to your BMO online banking or mobile app.
    2. Open the Interac e-Transfer section (usually under Transfers or Pay & Transfer).
    3. Find the transfer in the Pending or Sent list.
    4. Tap Cancel Transfer (BMO's exact wording [VERIFY]).
    5. Confirm. The funds return to your account, usually within [VERIFY] minutes.
    6. BMO may charge a Stop Payment fee if the transfer has already been notified to the recipient — typically CA$[VERIFY].

    See also: BMO Interac e-Transfer limits →

    National Bank

    1. Log in to your National Bank online banking or mobile app.
    2. Open the Interac e-Transfer section (usually under Transfers or Pay & Transfer).
    3. Find the transfer in the Pending or Sent list.
    4. Tap Cancel Transfer (National Bank's exact wording [VERIFY]).
    5. Confirm. The funds return to your account, usually within [VERIFY] minutes.
    6. National Bank may charge a Stop Payment fee if the transfer has already been notified to the recipient — typically CA$[VERIFY].

    See also: National Bank Interac e-Transfer limits →

    When you can't do this

    • The recipient has already accepted the transfer.
    • The recipient has auto-deposit enabled — the transfer completes on send with no cancel window.
    • The transfer has expired (30 days after send). Expired transfers auto-refund to your account.

    How to cancel an Interac e-Transfer (by bank) — FAQ

    Can I cancel an e-Transfer that's already been deposited?

    No. Once the recipient accepts or auto-deposits the transfer, it's a completed payment. Your only recourse is to ask the recipient to send it back — or, if it's fraud, file a complaint with your bank and Interac.

    How long do I have to cancel an e-Transfer?

    As long as the transfer is still Pending — typically up to 30 days. Once the recipient accepts (or auto-deposit fires), the window closes.

    Is there a fee to cancel an e-Transfer?

    If the transfer is still Pending and no notification email/SMS has been sent to the recipient, most banks don't charge. If it's been notified, Stop Payment fees ~CA$[VERIFY] apply at most Big Six banks.

    Can I cancel an e-Transfer request?

    Yes. Cancelling a Request Money is separate from cancelling a Send: find the request in Pending Requests and tap Cancel Request. No fee applies.

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