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    The Daily Stash

    How long does an Interac e-Transfer take? (2026)

    Updated · Tested by DailyStash editors

    TD Canada Trust

    1. Standard e-Transfer send from TD Canada Trust: 5-30 minutes to reach the recipient's notification inbox.
    2. With auto-deposit on the recipient side: effectively instant — under 5 minutes at TD Canada Trust.
    3. TD Canada Trust fraud review triggers on first-time recipients above CA$[VERIFY]: hold up to 24 hours.
    4. Overnight / weekend sends from TD Canada Trust: no delay — Interac runs 24/7.
    5. Requests for Money at TD Canada Trust: notification is instant; funds move when the sender approves.

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

    RBC

    1. Standard e-Transfer send from RBC: 5-30 minutes to reach the recipient's notification inbox.
    2. With auto-deposit on the recipient side: effectively instant — under 5 minutes at RBC.
    3. RBC fraud review triggers on first-time recipients above CA$[VERIFY]: hold up to 24 hours.
    4. Overnight / weekend sends from RBC: no delay — Interac runs 24/7.
    5. Requests for Money at RBC: notification is instant; funds move when the sender approves.

    See also: RBC Interac e-Transfer limits →

    CIBC

    1. Standard e-Transfer send from CIBC: 5-30 minutes to reach the recipient's notification inbox.
    2. With auto-deposit on the recipient side: effectively instant — under 5 minutes at CIBC.
    3. CIBC fraud review triggers on first-time recipients above CA$[VERIFY]: hold up to 24 hours.
    4. Overnight / weekend sends from CIBC: no delay — Interac runs 24/7.
    5. Requests for Money at CIBC: notification is instant; funds move when the sender approves.

    See also: CIBC Interac e-Transfer limits →

    Scotiabank

    1. Standard e-Transfer send from Scotiabank: 5-30 minutes to reach the recipient's notification inbox.
    2. With auto-deposit on the recipient side: effectively instant — under 5 minutes at Scotiabank.
    3. Scotiabank fraud review triggers on first-time recipients above CA$[VERIFY]: hold up to 24 hours.
    4. Overnight / weekend sends from Scotiabank: no delay — Interac runs 24/7.
    5. Requests for Money at Scotiabank: notification is instant; funds move when the sender approves.

    See also: Scotiabank Interac e-Transfer limits →

    BMO

    1. Standard e-Transfer send from BMO: 5-30 minutes to reach the recipient's notification inbox.
    2. With auto-deposit on the recipient side: effectively instant — under 5 minutes at BMO.
    3. BMO fraud review triggers on first-time recipients above CA$[VERIFY]: hold up to 24 hours.
    4. Overnight / weekend sends from BMO: no delay — Interac runs 24/7.
    5. Requests for Money at BMO: notification is instant; funds move when the sender approves.

    See also: BMO Interac e-Transfer limits →

    National Bank

    1. Standard e-Transfer send from National Bank: 5-30 minutes to reach the recipient's notification inbox.
    2. With auto-deposit on the recipient side: effectively instant — under 5 minutes at National Bank.
    3. National Bank fraud review triggers on first-time recipients above CA$[VERIFY]: hold up to 24 hours.
    4. Overnight / weekend sends from National Bank: no delay — Interac runs 24/7.
    5. Requests for Money at National Bank: notification is instant; funds move when the sender approves.

    See also: National Bank Interac e-Transfer limits →

    When you can't do this

    • Interac is Canada-only — cross-border transfers use Wise, Western Union, or the recipient's bank's international wire.
    • Cash withdrawal from an Interac e-Transfer requires depositing to a Canadian bank account first.
    • Recipient without a Canadian bank: transfer will expire and auto-refund after 30 days.

    How long does an Interac e-Transfer take? (2026) — FAQ

    How long does a CIBC e-Transfer take?

    CIBC e-Transfers with auto-deposit on the recipient side land in under 5 minutes. Without auto-deposit, delivery is typically 5-30 minutes plus however long the recipient takes to accept. First-time high-value sends can be held for fraud review up to 24 hours.

    Why is my e-Transfer taking hours?

    Two likely reasons: (1) the recipient hasn't accepted yet — no auto-deposit; (2) your bank held the transfer for fraud review (common on first-time or high-value sends). Check the transfer status in your bank's Sent list.

    Are Interac e-Transfers instant?

    Only with auto-deposit enabled on the recipient side. Without auto-deposit, the recipient must open the notification and accept — the transfer can't be instant.

    Do Interac e-Transfers work on weekends?

    Yes. Interac's network runs 24/7, including weekends and holidays. Only bank-side fraud reviews can add delays.

    Related in the Interac hub