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    The Daily Stash

    Interac e-Transfer not working? A troubleshooting guide by bank

    Updated · Tested by DailyStash editors

    TD Canada Trust

    1. Check TD Canada Trust's system status page — outages happen and don't always show in-app.
    2. Verify the recipient's email/SMS matches the address registered with their bank.
    3. Confirm you haven't hit your TD Canada Trust daily or weekly e-Transfer limit (see the limits guide below).
    4. Log out and back in to your TD Canada Trust app — session tokens sometimes stall the Interac form.
    5. If sending to a business or high-value recipient, TD Canada Trust may require additional 2FA — check for SMS/email prompts.
    6. Still stuck? Call TD Canada Trust at [VERIFY] or use the in-app chat. Reference "Interac e-Transfer failing" for faster routing.

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

    RBC

    1. Check RBC's system status page — outages happen and don't always show in-app.
    2. Verify the recipient's email/SMS matches the address registered with their bank.
    3. Confirm you haven't hit your RBC daily or weekly e-Transfer limit (see the limits guide below).
    4. Log out and back in to your RBC app — session tokens sometimes stall the Interac form.
    5. If sending to a business or high-value recipient, RBC may require additional 2FA — check for SMS/email prompts.
    6. Still stuck? Call RBC at [VERIFY] or use the in-app chat. Reference "Interac e-Transfer failing" for faster routing.

    See also: RBC Interac e-Transfer limits →

    CIBC

    1. Check CIBC's system status page — outages happen and don't always show in-app.
    2. Verify the recipient's email/SMS matches the address registered with their bank.
    3. Confirm you haven't hit your CIBC daily or weekly e-Transfer limit (see the limits guide below).
    4. Log out and back in to your CIBC app — session tokens sometimes stall the Interac form.
    5. If sending to a business or high-value recipient, CIBC may require additional 2FA — check for SMS/email prompts.
    6. Still stuck? Call CIBC at [VERIFY] or use the in-app chat. Reference "Interac e-Transfer failing" for faster routing.

    See also: CIBC Interac e-Transfer limits →

    Scotiabank

    1. Check Scotiabank's system status page — outages happen and don't always show in-app.
    2. Verify the recipient's email/SMS matches the address registered with their bank.
    3. Confirm you haven't hit your Scotiabank daily or weekly e-Transfer limit (see the limits guide below).
    4. Log out and back in to your Scotiabank app — session tokens sometimes stall the Interac form.
    5. If sending to a business or high-value recipient, Scotiabank may require additional 2FA — check for SMS/email prompts.
    6. Still stuck? Call Scotiabank at [VERIFY] or use the in-app chat. Reference "Interac e-Transfer failing" for faster routing.

    See also: Scotiabank Interac e-Transfer limits →

    BMO

    1. Check BMO's system status page — outages happen and don't always show in-app.
    2. Verify the recipient's email/SMS matches the address registered with their bank.
    3. Confirm you haven't hit your BMO daily or weekly e-Transfer limit (see the limits guide below).
    4. Log out and back in to your BMO app — session tokens sometimes stall the Interac form.
    5. If sending to a business or high-value recipient, BMO may require additional 2FA — check for SMS/email prompts.
    6. Still stuck? Call BMO at [VERIFY] or use the in-app chat. Reference "Interac e-Transfer failing" for faster routing.

    See also: BMO Interac e-Transfer limits →

    National Bank

    1. Check National Bank's system status page — outages happen and don't always show in-app.
    2. Verify the recipient's email/SMS matches the address registered with their bank.
    3. Confirm you haven't hit your National Bank daily or weekly e-Transfer limit (see the limits guide below).
    4. Log out and back in to your National Bank app — session tokens sometimes stall the Interac form.
    5. If sending to a business or high-value recipient, National Bank may require additional 2FA — check for SMS/email prompts.
    6. Still stuck? Call National Bank at [VERIFY] or use the in-app chat. Reference "Interac e-Transfer failing" for faster routing.

    See also: National Bank Interac e-Transfer limits →

    When you can't do this

    • The recipient's bank is temporarily blocking Interac e-Transfers (rare — usually flagged to their online banking inbox).
    • You're sending to a US or international recipient — Interac is Canada-only. See our cross-border guide.
    • Your account has a security hold — contact your bank directly.

    Interac e-Transfer not working? A troubleshooting guide by bank — FAQ

    Why is my CIBC e-Transfer taking a long time?

    Most Interac e-Transfers arrive within 30 minutes. Delays usually mean the recipient hasn't opened the notification and doesn't have auto-deposit set up. First-time transfers to a new recipient also trigger CIBC's fraud review, which can add up to 24 hours.

    Why is my TD e-Transfer not working?

    Common causes at TD: hitting the CA$[VERIFY] daily send limit, the recipient's email/SMS not matching TD's records, or an active security hold. TD's in-app chat resolves most cases in one session.

    Can I e-Transfer with a locked account?

    No. If your account is locked (typically after failed login attempts or a fraud flag), all outgoing transfers are frozen until you call the bank to unlock.

    How do I fix an expired e-Transfer?

    Expired transfers (past 30 days) auto-return to the sender's account. There's no way to re-activate one — just send a new transfer.

    Related in the Interac hub