What should I do if I received an email titled:

Someone Has Sent You an Interac*** Email Money Transfer
Recipient Has Declined Your Interac Email Money Transfer
Expired Interac Email Money Transfer
Interac Email Money Transfer Accepted
Interac Email Money Transfer Cancelled
Interac Email Money Transfer Incomplete:  Recipient Unable to Answer Security Question
Interac Email Money Transfer Incomplete:  Invalid Email Address
Reminder - Reclaim Interac Email Money Transfer
Terms & Conditions Rejected:  Recipient Unable to Collect Funds

Other FAQs

What is a Recipient?
What is a Sender?

I received an email titled "Someone Has Sent You an Interac*** Email Money Transfer." What does this mean? What should I do?
Someone is sending you money using the Interac Email Money Transfer service.  You can use Scotia OnLine® Financial Servcies to receive money sent by others. You can receive money to your Chequing, Savings or Business accounts.

In order to deposit the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "To deposit the funds through Scotiabank;"
   
   
2. The Scotia OnLine sign on screen will appear. Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. After signing on, you are asked to answer a Security Question that the Sender has provided.
   
   
4. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   Click Submit.

I received an email titled "Recipient Has Declined Your Interac Email Money Transfer." What does it mean?  What should I do?
You sent an Interac Email Money Transfer to the Recipient, but they chose not to deposit your money. The money is being returned to you as a result.

In order to reclaim the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "Login now;"
   
   
2. The Scotia OnLine sign on screen will appear. Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   Click Submit.

I received an email titled "Expired Interac Email Money Transfer." What does it mean?  What should I do?
You sent an Interac Email Money Transfer to the Recipient, but they did not complete the steps required to accept and deposit the money within a reasonable timeframe. Some possible reasons may be:

• they did not receive the email;
• they did not open or read the email;
• they did not understand the email;
• they provided the correct Answer to the Security Question, but they did not direct the funds into an account;
• Many other possible reasons.

The money is being returned to you as a result. In order to reclaim the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "Login now;"
   
   
2. The Scotia OnLine sign on screen will appear. Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   
   
4. Click Submit.

I received an email titled "Interac Email Money Transfer Accepted." What does it mean?  What should I do?
The Security Question that you sent in your Interac Email Money Transfer was successfully answered, and the money was deposited into an account. You may wish to contact your Recipient to confirm that no further action is required by you.

I received an email titled "Interac Email Money Transfer Cancelled." What does it mean?  What should I do?
Someone sent you an Interac Email Money Transfer, but before you deposited the money into your account, the Sender stopped, or cancelled, the Interac Email Money Transfer. That means that you will not be able to deposit the money that they had originally sent to you, because the Sender has reclaimed the money. You may wish to contact the Sender to see if any further action is required by you.

I received an email titled "Interac Email Money Transfer Incomplete:  Recipient Unable to Answer Security Question."  What does it mean?  What should I do?
You sent an Interac Email Money Transfer to someone, but they were not able to provide the Answer to the Security Question that you had originally specified. You will need to reclaim the funds into your account, and then you can try sending a new Interac Email Money Transfer to that person. 

You may wish to discuss and confirm the Answer to the Security Question with your intended Recipient before you send another Interac Email Money Transfer. 

For your own protection, do not use email to advise the Recipient of the Answer to the Security Question.

In order to reclaim the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "Login now;"
   
   
2. The Scotia OnLine sign on screen will appear. Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   
   
4. Click Submit.

Note:  If you have sent multiple outstanding Interac Email Money Transfers to one Recipient, they will need to provide the Answer to the Security Question that you specified in your latest Interac Email Money Transfer, in order to collect any of the outstanding Interac Email Money Transfers.

I received an email titled "Interac Email Money Transfer Incomplete: Invalid Email Address." What does it mean? What should I do?

You sent an Interac Email Money Transfer to someone, but the email address you provided does not exist.  You will need to reclaim the money back into your account.  You may wish to contact the Recipient to verify their email address before you attempt to send them a new Interac Email Money Transfer. 

Note:  The speed with which you receive notification of an invalid email address will depend on how quickly a response is received from the email server that identified the email address as invalid.

In order to reclaim the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "Click for next steps;"
   
   
2. The Scotia OnLine sign on screen will appear.  Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   
   
4. Click Submit.

I received an email titled "Reminder - Reclaim Interac Email Money Transfer." What does it mean?  What should I do?
This means that:

• an Interac Email Money Transfer that you previously sent was declined by the Recipient (i.e.  they did not wish to deposit the funds), or;
  
  
• an Interac Email Money Transfer that you previously sent has expired (i.e.  the Recipient did not deposit the money within a reasonable timeframe), or;
  
  
• an Interac Email Money Transfer that you previously sent could not be completed for some other reason.

The money is being returned to you as a result. In order to reclaim the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "Login now;"
   
   
2. The Scotia OnLine sign on screen will appear. Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   
   
4. Click Submit.

You may wish to contact the Recipient to see if there is any further action required by you.

I received an email titled "Terms & Conditions Rejected:  Recipient Unable to Collect Funds." What does it mean? What should I do?
You sent an Interac Email Money Transfer to someone. In order for that person to receive your money, they were asked to read and agree to Terms and Conditions of the transaction. They did not agree to the Terms & Conditions, and so they could not deposit the money. You must reclaim the money.

In order to reclaim the money, you must follow these steps:

1. Click on the hyperlink in the email where it says, "Login now;"
   
   
2. The Scotia OnLine sign on screen will appear.  Enter your ScotiaCard number and password, and click Enter Scotia OnLine;
   
   
3. On the Reclaim an Interac Email Money Transfer screen, indicate the account into which you wish to reclaim the funds;
   
   
4. Click Submit.   

You may wish to contact the Recipient to see if there is any further action required by you.

What is a Recipient?
The Recipient is the person who is receiving the money in an Interac Email Money Transfer. If you are sending money to someone, they are the Recipient. If someone is sending money to you, you are the Recipient.

What is a Sender?
The Sender is the person who is sending the money in an Interac Email Money Transfer. If you are sending money to someone, you are the Sender. If someone is sending money to you, they are the Sender.