Interac e-Transfer^†

From the App

To send an Interac e-Transfer:

1. From the app’s home screen, select Move money
2. Select Interac e-Transfer
3. Select the account you want to send money from
4. Select a contact to send money to
5. Enter the amount of your transfer
6. Slide to send

It can take at least 30 minutes for your recipient to receive the Interac e-Transfer, including accounts registered for autodeposit.

To see a demo on how this feature works in our mobile banking app, visit Scotiabank Digital Banking.

On the New web experience

Here’s how to send money to anyone with a Canadian bank account using Interac e-Transfer:

1. From the main navigation bar, select Move money
2. Select Interac e-Transfer
3. Select Send Interac e-Transfer
4. Under the From drop-down menu, select the account you’re transferring from
5. Under the To drop-down menu, select the contact you’d like to transfer money to
6. After entering the amount and optional message, select Continue to complete the transaction

It can take at least 30 minutes for your recipient to receive the Interac e-Transfer, including accounts registered for autodeposit.

On the Classic web experience

To send an Interac e-Transfer:

1. From your Accounts page, select Move money
2. Select Interac e-Transfer
3. Select the account you’d like to use to send money from the drop-down menu
4. Select a contact to send money to from the drop-down menu or select Add contact
5. Enter the amount of your transfer
6. Select Continue

It can take up to 30 minutes for your recipient to receive the Interac e-Transfer, including accounts registered for autodeposit.

You can stop an Interac e-Transfer^†* only if the recipient has not yet accepted the funds. There is no fee to stop an Interac e-Transfer^†.

To stop an Interac e-Transfer^†:

1. Sign on to Scotia OnLine or Scotiabank Mobile Banking.
2. Go to TransfersInterac e-Transfer.
3. Click the "Show pending Interac e-Transfers" button located below the "Continue" button.
4. Click the red "X" in the Stop Transfer column beside the transfer you wish to stop.
5. Choose an account in which to deposit the reclaimed funds.
6. Click "Continue."
7. Review your information and click "Confirm" to stop the transfer.

We use two layers of security to ensure your transfer arrives safe and sound. You never have to worry about security when sending a transfer, because we use the established inter-bank fund clearing networks Canadians have trusted for years.

Yes. Interac e-Transfers expire 30 days after they are sent. After 30 days, the recipient will not be able to deposit the funds. Also, the sender will receive an email instructing them to deposit the funds back into their account.

The sender will receive an email notifying them that the recipient failed to answer the security question correctly. The email will also contain instructions for reclaiming and depositing the funds.

For Electronic Transfer Limits, please refer to Managing your ScotiaCard section accessible through Scotia OnLine and the Settings section within Scotiabank Mobile Banking or your copy of the ScotiaCard Banking Access Maintenance form.

Scheduled or recurring money transfers (EMTs) allow you to send money on a future date or on a regular schedule (for example: weekly or monthly).

Set up a scheduled or recurring money transfer directly in the Scotia app:

• Select Scheduled/Recurring EMT
• Select the recipient, amount, frequency, and start date
• Review the details and select Confirm

Scheduled and recurring EMTs are subject to the same fees as regular Interac e-Transfers. 

If your account has insufficient funds at the scheduled time, the money transfer (EMT) will not be sent. You’ll receive a notification, and you can reschedule once funds are available.

You can review, edit, or cancel all your scheduled money transfers (EMTs) in the Scheduled/Recurring EMT section of the Scotia app.

You can edit or cancel any scheduled or recurring transfers at any time through the app as long as it hasn’t already been sent.