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    The Daily Stash

    How to increase your Interac e-Transfer limit (by bank)

    Updated · Tested by DailyStash editors

    TD Canada Trust

    1. Log in to TD Canada Trust online banking (limit changes usually can't be made in the mobile app).
    2. Open Interac e-Transfer → Send Limits (TD Canada Trust's exact wording [VERIFY]).
    3. Select the new daily / weekly limit — the max available online at TD Canada Trust is CA$[VERIFY].
    4. Confirm with 2FA (SMS or security question).
    5. To go above the online maximum, call TD Canada Trust at [VERIFY]. They'll verify identity and adjust — the absolute hard cap is CA$[VERIFY] per transfer.
    6. New limits usually take effect within [VERIFY] minutes.

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

    RBC

    1. Log in to RBC online banking (limit changes usually can't be made in the mobile app).
    2. Open Interac e-Transfer → Send Limits (RBC's exact wording [VERIFY]).
    3. Select the new daily / weekly limit — the max available online at RBC is CA$[VERIFY].
    4. Confirm with 2FA (SMS or security question).
    5. To go above the online maximum, call RBC at [VERIFY]. They'll verify identity and adjust — the absolute hard cap is CA$[VERIFY] per transfer.
    6. New limits usually take effect within [VERIFY] minutes.

    See also: RBC Interac e-Transfer limits →

    CIBC

    1. Log in to CIBC online banking (limit changes usually can't be made in the mobile app).
    2. Open Interac e-Transfer → Send Limits (CIBC's exact wording [VERIFY]).
    3. Select the new daily / weekly limit — the max available online at CIBC is CA$[VERIFY].
    4. Confirm with 2FA (SMS or security question).
    5. To go above the online maximum, call CIBC at [VERIFY]. They'll verify identity and adjust — the absolute hard cap is CA$[VERIFY] per transfer.
    6. New limits usually take effect within [VERIFY] minutes.

    See also: CIBC Interac e-Transfer limits →

    Scotiabank

    1. Log in to Scotiabank online banking (limit changes usually can't be made in the mobile app).
    2. Open Interac e-Transfer → Send Limits (Scotiabank's exact wording [VERIFY]).
    3. Select the new daily / weekly limit — the max available online at Scotiabank is CA$[VERIFY].
    4. Confirm with 2FA (SMS or security question).
    5. To go above the online maximum, call Scotiabank at [VERIFY]. They'll verify identity and adjust — the absolute hard cap is CA$[VERIFY] per transfer.
    6. New limits usually take effect within [VERIFY] minutes.

    See also: Scotiabank Interac e-Transfer limits →

    BMO

    1. Log in to BMO online banking (limit changes usually can't be made in the mobile app).
    2. Open Interac e-Transfer → Send Limits (BMO's exact wording [VERIFY]).
    3. Select the new daily / weekly limit — the max available online at BMO is CA$[VERIFY].
    4. Confirm with 2FA (SMS or security question).
    5. To go above the online maximum, call BMO at [VERIFY]. They'll verify identity and adjust — the absolute hard cap is CA$[VERIFY] per transfer.
    6. New limits usually take effect within [VERIFY] minutes.

    See also: BMO Interac e-Transfer limits →

    National Bank

    1. Log in to National Bank online banking (limit changes usually can't be made in the mobile app).
    2. Open Interac e-Transfer → Send Limits (National Bank's exact wording [VERIFY]).
    3. Select the new daily / weekly limit — the max available online at National Bank is CA$[VERIFY].
    4. Confirm with 2FA (SMS or security question).
    5. To go above the online maximum, call National Bank at [VERIFY]. They'll verify identity and adjust — the absolute hard cap is CA$[VERIFY] per transfer.
    6. New limits usually take effect within [VERIFY] minutes.

    See also: National Bank Interac e-Transfer limits →

    When you can't do this

    • Business or joint accounts may require an in-branch appointment to raise limits.
    • Some banks freeze limit changes for 30 days after opening a new account.
    • Interac's network-wide cap is CA$25,000 per transfer regardless of bank — no bank can exceed this.

    How to increase your Interac e-Transfer limit (by bank) — FAQ

    How do I increase my CIBC e-Transfer limit?

    CIBC Online Banking → Customer Services → Interac e-Transfer Limits → Change. The maximum available online at CIBC is CA$[VERIFY] per transaction / CA$[VERIFY] per week. Higher limits require calling CIBC at [VERIFY].

    What's the maximum Interac e-Transfer I can send?

    The Interac network cap is CA$25,000 per transfer. Individual banks set lower default limits (typically CA$3,000/day) and let you request higher within their own maximum.

    Can I send more than CA$3,000 by e-Transfer?

    Yes — the CA$3,000 figure is a common default, not a cap. Every Big Six bank supports higher limits on request; several allow up to CA$10,000/day online without a phone call.

    How long does a limit increase take to activate?

    Online changes are usually instant. Phone-arranged increases typically take under an hour to reflect in your account. In-branch changes can take a business day.

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