INTERAC e-Transfer®

INTERAC e-Transfer status as of October 1, 2018

If you see 'Certapay' under an INTERAC e-transfer transaction, please disregard. This will not impact your INTERAC e-transfer. This is a known issue and we are working on a solution. If you have additional difficulties, please contact our Member Services Centre at 1.888.826.2489. We are currently experiencing high call volumes and apologize for the wait.

Whether you owe your friend for last night's dinner, want to surprise your niece with birthday cash, or want to pay a supplier quickly – Vancity makes sending money a snap. 

In a nutshell, the INTERAC e-Transfer® service enables you to send money online, securely and quickly to anyone with a Canadian deposit account and an email address or mobile phone. You don't need to know your recipient's financial institution or account number – and they don't need to know yours – and no account information is on the Internet at any time. (On your end, all you need is a Vancity Canadian-dollar personal or business chequing or savings account, which requires only one signature for account transactions.)

Your recipient is notified by email and/or text message when a transfer has been sent by you, and in a few easy clicks, the money is in their account. The best part? You won't have to make a mad dash to the ATM, or write and snail-mail a cheque. Because INTERAC e-Transfer® is a convenient, fast way to send money.

Sending an INTERAC e-Transfer®

Follow these simple steps and you're on your way:

    1. All you need is your recipient's name and email address or mobile phone number and the knowledge that they do indeed have a Canadian deposit account. (You do not need any information about what financial institution they do business with, or what their account number is.)
    2. Log in online. If you've yet to sign up for online services, visit your nearest community branchto set up your Personal Access Features and Personal Access Code.
    3. Select 'Send INTERAC e-Transfer®'.
    4. Set up your profile by inputting your email address as indicated.
    5. Set up your recipient(s) by entering their name and email address on the Add/Delete Recipients page. You can also choose to notify your recipient via text, in which case you would enter their mobile phone number.
    6. Create a security question that only they will know the answer to. If it's a friend, for example, the question might be: "What topping do you always order on your pizza?" (For security reasons, the message field which enables you to leave a note for your recipient, must not contain the answer to your security question.)
    7. Once you've set up your profile and recipient(s) select your recipient from the dropdown list on the Send INTERAC e-Transfer® Indicate the amount you'd like to send. (Your account will be debited the amount you have sent as well as the feeonce you click Send Transfer.)

    Receiving an INTERAC e-Transfer®

    Your recipient will be notified by email and/or text that you have sent them an INTERAC e-Transfer®. Your recipient will be walked through a very simple, user-friendly interface that leads to their own financial institution's site, allowing for an easy deposit.

    But first, when prompted, your recipient will input the answer to your question: "Pineapple". (In order to claim the funds and complete the transfer, the question must be answered correctly. By all means, call them to confirm what the answer is, so that they can access the cash.)


    Vancity members can now associate their email address with one of their accounts and have funds automatically deposited. Registering for Autodeposit in online banking or the mobile app means that you will no longer need to answer a  security question or login to claim funds

    Request Money

    Members can use online or the mobile banking app to request money from their list of recipients. When the person receives and accepts the request, the amount is automatically deposited to the member’s account and the member is notified. 

    More information

      • For more information, and the conditions applicable to e-Transfer, see the Account and Services Guide (for personal accounts) and the (for business accounts).

      • For information on INTERAC e-Transfer® fees see INTERAC e-Transfer® fees at-a-glance.
      • For information on our INTERAC e-Transfer® alert that automatically sends you an email and/or text message to your mobile phone when a new e-Transfer recipient has been added to your account, visit online alerts.

    The Interac logo and Interac e-Transfer are registered trade-marks of Interac Corp. Used under licence.


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