INTERAC e-Transfer†

Transferring money can now be done quickly and securely with INTERAC e-Transfer! All you need is your recipient’s email address or mobile phone number to send money in just a few quick and easy steps.

When to use INTERAC e-Transfer:

  • Splitting the bill in a restaurant
  • Paying a roommate for your portion of rent or bills
  • Sending some birthday cash to a family member
  • Paying for everyday purchases such as housekeeping, babysitting or home repairs

INTERAC e-Transfer has two new features, making it even more convenient!

Request Money

You can now send a money request through your app or online banking. It’s an easy way to say "you owe me money" between friends. For businesses, it's an important tool to streamline payments.


You can now securely receive money transfers without having to log in to online banking or your app for every transaction. You can choose to register your email address with Interac e-Transfer to automatically deposit funds for you, making Interac e-Transfer an even simpler and faster way to receive your money.

Sending Limits Receiving Limits
Per transaction $3,000 $10,000
Per 24-hour period $10,000 $10,000
Per 7-day period $10,000 $70,000
Per 30-day period $20,000 $300,000

     *Within Canada only
    **Depending on account package, a non-refundable fee of $1.50 will be charged for sending an INTERAC e-Transfer

    Frequently Asked Questions


    **Prevent Fraud**

    Do not send e-transfers via un-encrypted public Wi-Fi! Use only trusted, encrypted (password protected) internet connections to send e-transfers.


    Key Benefits

    Convenient and Simple to Use!

    • All you need is your recipient’s email address or mobile phone number
    • You can also transfer money to your other Canadian Financial Institution accounts
    • Make or receive a transfer from anywhere at any time using your computer or Smartphone – Internet Banking is available 24 hours a day, 7 days a week!

    Saves Time and Money!

    • No need to wait for the transfer to be approved – your recipient can access funds quickly
    • No more stops at the ATM or waiting for cheques to be cashed!
    • Lower cost than bank drafts or money orders


    • Your personal information is secure – email or text is used for communication purposes, but your funds are contained in our secure banking network
    • No account numbers or other Financial Institution information is required
    • A security question of your choosing protects your funds from being received by the wrong person

    How to send and receive an INTERAC e-Transfer†:

    1. Log into Lakeland Credit Union Internet Banking and navigate to the ‘Transfers’ screen by clicking on the left side menu bar.
    2. Click on ‘Add/Delete Recipient’ on the left side menu bar.
    3. Set up your sender profile and add your recipient – make sure to create a Security Question that only your recipient knows the answer to.
    4. Choose how to notify your recipient, the amount you wish to send and which account the funds will be transferred from. You can also choose to send a special message or memo to your recipient.
    5. Send! The funds are debited from your account immediately.
    6. Your recipient will receive notification that you have sent them an INTERAC e-Transfer, and will follow the links provided in the email or text message to deposit their funds.
    7. Once they have answered the security question correctly, they can deposit the funds immediately – no holds, no hassle!
    8. If your recipient’s Financial Institution does not subscribe to the INTERAC e-Transfer service, it’s no problem! They can still receive their funds by following the link to Interac’s Interac Association’s site, at which time you will be asked to create or log into your existing account with Interac Association.
    9. Once logged in, Interac Association will proceed to deposit the transfer into your chequing or savings account (which usually takes 3-5 business days). For non-participating financial institution deposits, a $4.00 service fee will be deducted from the transfer amount.

     Learn More:

    Looking for more information? Visit the INTERAC e-Transfer homepage or INTERAC e-Transfer Security for more information on how this feature works, or contact us to speak with a Member Service Representative.

    A list of participating financial institutions can be found here.

    Trade-mark of Interac Inc. Used under license.

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