How Do I Do An Email Money Transfer With Rbc

Interac e-Transfer

Simplify How you Send and Receive Money

Want to send money to your child, landlord, co-worker or a friend? If they have a bank account at a Canadian financial institution, you can send money any time by using the Interac e-Transfer service available in RBC Online Banking¹ or the RBC Mobile¹ app.

Send Money Now in the RBC Mobile app
Send Money Now in RBC Online Banking

Benefits of an Interac e-Transfer

It's easier than cheques, more secure than cash, and is FREE for all personal chequing accounts².

It's Simple

All you need is the recipient's name and email address or mobile number.

It's Convenient

Easily send money through email or text message. If you have an Apple device, you can even send money using voice command.

It's Fast

Recipients are notified via email or text message, and can deposit the money immediately through their Financial Institution's online banking service.

Keeping Your Transactions Safe

Do Your Part to Safeguard your Transactions!

When sending an Interac e-Transfer, always use safe email, security and password practices. Create passwords and questions that are unique and not easily guessed or obtained by others.

Autodeposit

Autodeposit adds another layer of security and convenience, allowing you to bypass the need for security questions altogether. Have funds deposited directly into your account.

RBC Digital Banking Security Guarantee

While the notifications are sent through email or text, your money is always transferred through RBC Online Banking or the RBC Mobile app, which are protected with multiple layers of security. We'll fully reimburse you for any unauthorized transactions⁴ made.

Request Money

Want to remind a friend to pay you back for lunch or about that gift you split the cost on? Ask them to send you an Interac e-Transfer using the Request Money⁵ feature. It's a simple and fast way to send a friendly payback reminder.

Not Enrolled Yet?

Get immediate access to your accounts and enjoy the ability to send, receive and request money using the Interac e-Transfer service.

Enrol in RBC Online Banking

Or download the RBC Mobile app

Get the RBC Mobile app on Google Play (opens in a new window) Get the RBC Mobile app in the App Store (opens in a new window)

Frequently Asked Questions

You can send an Interac e-Transfer easily through RBC Online Banking or the RBC Mobile app.

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You can cancel and reclaim an Interac e-Transfer easily through RBC Online Banking or the RBC Mobile app as long as it has not been deposited by the recipient.

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As long as the recipient is not registered for Autodeposit, you can edit and resend and Interac e-Transfer through RBC Online Banking or the RBC Mobile app.

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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Online Banking is operated by Royal Bank of Canada

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.00.

Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5.00 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

If an unauthorized transaction is conducted through your RBC Online Banking service, you will be 100% reimbursed for any resulting losses to those accounts. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.

Autodeposit and Request Funds are a feature of the Interac e-Transfer service. RBC Business deposit accounts will incur an Interac e-Transfer fee of $1.50 for each funds request sent.