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- Send money with Interac e-Transfer
New! Put your payments on autopilot
Now you can schedule your Interac e-Transfer payments ahead of time and even make them recurring.
Easily pay your friends and family, landlord or contractor
With Interac e-Transfer, you can send, request and automatically receive money using an email address or mobile phone number.
Need to pay for something you found on Marketplace or Kijiji? Use the one-time contact feature and leave your contact list clutter-free.
Register for Autodeposit to have your money automatically deposited into your account. No need to sign on or answer any questions.
Does your friend still owe you for last night’s dinner? Use the Request Money feature to square up.
Start using Interac e-Transfer
What you’ll need
- An active CIBC bank account
- Access to the CIBC Mobile Banking® App or CIBC Online Banking®
- An email address or Canadian mobile phone number
How-to guides
Register for Interac e-Transfer
Once you’ve registered, you’re all set to send, request and receive money quickly and securely.
Step 1
Sign on to online banking or the mobile app, and then select “Interac e-Transfer” from the menu.
Step 2
Enter your personal information and then select “Next.”
Step 3
Read and agree to the terms and conditions.
Now you’re ready to transfer your money.
Register for Autodeposit
Skip the security question and have transfers go automatically into your account.
Step 1
Sign on to online banking or the mobile app, and then select “Interac e-Transfer” from the menu
Step 2
Select “Autodeposit Settings” or “Interac e-Transfer settings” followed by “Change Autodeposit settings” on the app.
Step 3
Choose a contact method, and then select your deposit account.
Note: You can’t use the same email address or phone number to register more than one account for Autodeposit.
Step 4
Review your personal information and select “Confirm” or “Register” on the app.
Step 5
Select “Complete registration” when you get the verification email or text message. Note that the link in the email or text from Interac will expire in 24 hours.
You're now registered for Autodeposit.
Add a contact
To add a contact, you’ll need the contact’s email address or mobile number.
Step 1
Sign on to online banking or the mobile app and then select “Interac e-Transfer” from the menu.
Step 2
Select “Contact List” and then “Add New Contact.” On the app, select “Manage contacts” and then “New contact.”
Step 3
Enter the name of your contact, choose how to notify them, and then enter their email address or mobile number.
Step 4
Review the information and select “Add contact” or “Save” on the app.
Step 5
Once you get a verification code via text or a phone call, enter the code to add your contact.
You’re all set to send money to or request money from this contact.
Send money
Send money quickly and easily. You can also set up recurring payments or schedule one for a later date.
Step 1
Sign on to online banking or the mobile app , select “Interac e-Transfer” from the menu and then “Send Money.”
Step 2
Enter the amount of money you’d like to transfer and then select the account you’d like to transfer money from.
Step 3
Choose an existing contact, follow the directions to add a new contact or select a one-time contact.
Note: Your contact needs to have access to online or mobile banking at a Canadian financial institution.
Step 4
Choose how to notify your contact and create a security question with an answer only you and your contact will know.
Note: if your contact is registered for Autodeposit, you won’t need to create a question and answer.
Keep fraud at bay by following these tips for creating security questions Opens in a dialog.
Step 5
New feature: Select how often you’d like your transfer sent, and set start and end dates. If it’s not a recurring payment, select “Once.”
Note: To send a recurring transfer, the recipient needs to be registered for Autodeposit.
Step 6
Review your details and select “Send Money” or “Yes.”
Your contact will receive a notification and can claim the money within 30 days.1
Request money
Request funds from a contact with Interac e-Transfer.
Step 1
Sign on to online banking or the mobile app, select “Interac e-Transfer” from the menu and then “Request Money.”
Step 2
Select the contact or add a new contact, enter the amount you're requesting, select the deposit account and enter an optional message.
Step 3
Select the checkbox to confirm you have an existing relationship with this contact and then select “Send Request.”
Once the contact fulfills your request for money, you’ll be charged $1.50.
Fulfill a request for money
Pay people quickly without needing to write a cheque or get cash from an ATM.
Step 1
Open the “Request Money” email.
Note: Before you select any link, make sure the email is expected and from someone you know on behalf of Interac e-Transfer.
Step 2
Select the CIBC logo to sign on to your account.
Step 3
Review the request details and select “Send Money” or “Next” on the app. Or select “Decline” to end the transaction.
Step 4
Select the account you want to use to send the money and then “Next.”
Step 5
Verify the information and select “Send Money” or “Yes” on the app.
The money will be transferred immediately and you won’t be able to reclaim or cancel it. There is no fee for fulfilling a request for money.
Stop a payment
You can stop a same-day Interac e-Transfer transaction as long as the recipient isn’t registered for Autodeposit and hasn’t already accepted the money. A fee of $3.50 applies when or if a request for stop payment is successful.
Step 1
Sign on to online banking or the mobile app, select “Interac e-Transfer” from the menu and then “Status” or “Stop Transaction” on the app.
Step 2
Review the list of transfers and select the one you want to stop.
Step 3
Select “Stop this Interac e-Transfer”or “Stop transfer” on the app and then “Next.”
Step 4
Review the “Stop Interac e-Transfer terms and conditions,” and then select “Stop Interac e-Transfer” or “I Agree” on the app.
Step 5
Select the account you want to deposit the money in from the drop-down list and then select “Stop Interac e-Transfer" or “Continue” on the app.
Step 6
Confirm the information and select “Stop Transfer” on the app.
You’ll receive a confirmation once your request has been submitted.
Return to options
Manage your transfers
Keep track of your Interac e-Transfer payments.
Review transactions
Keep tabs on your sent, received and requested transactions easily.
Set up alerts
Get a notification when your scheduled Interac e-Transfer transactions are complete or unsuccessful.2
Check on upcoming transfers
Get a calendar view of the transfers you’ve got coming up.
Manage contacts
Save time by adding people to your contact list. Include their email address, mobile phone number or both.
Fees and details
Interac e-Transfer fees
Included
with select bank accounts1
or pay
$1.50
per transaction with all other accounts
Free
to receive money
$3.50
to stop a transaction
Amounts you can send
No minimum
Up to $3,000
within a 24-hour period
Up to $10,000
within a 7-day period
Up to $30,000
within a 30-day period
Frequently asked questions
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