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What do the statuses used for Interac e-Transfer mean?

Interac e-Transfer Transaction Status Descriptions

Send Money - Pending Statuses

  • Initiated - The money has been withdrawn from the sender's account, and the notification to the recipient is being processed.
  • Sent - The notification to the recipient has been sent, and the money is available to deposit.
  • Security Question Answered - The recipient has correctly answered the Security Question, but has not yet deposited the money to their bank account.
  • Autodeposit in Progress - The recipient's email address or mobile number is set up for Autodeposit and the money is in the process of being automatically deposited to their account.
  • Invalid Email or Mobile Number - The recipient's email address or mobile number is either not valid, or the notification was not delivered to the recipient for other reasons (e.g. the mailbox is full; mobile number does not exist; etc.). The sender will receive an email notification with instructions to reclaim the money. The sender can reclaim the money, update the recipient's email address or mobile number, and send another transfer.
  • Security Question Failed - The recipient didn't answer the Security Question correctly, so the sender will receive a notification with instructions to reclaim the money. From there, the sender can choose to send a new transfer to the recipient using a new Security Question and Answer that the recipient will know.
  • Autodeposit Failed - The transfer to a recipient that was set up for Autodeposit has failed, which could be due to the recipient's bank account being either closed or invalid. The sender will receive an email notification with instructions to reclaim the money.
  • Declined - The recipient has declined the transfer, so the sender will receive an email notification with instructions to reclaim the money.
  • Expired - The recipient did not collect the money before the expiry date, so the sender will receive an email notification with instructions to reclaim the money. From there, the sender can choose to send another transfer to the recipient.

Send Money - Complete Statuses

  • Deposited - The recipient has successfully answered the Security Question and has deposited the money to their account.
  • Autodeposited - The recipient's email address or mobile number is set up for Autodeposit and the money has been deposited to their account.
  • Request Deposited - The money, which was sent in response to a money request, has been deposit to the requestor's account.
  • Cancelled - The sender has cancelled the transfer and the money has been deposited back into their account. The recipient will be notified that the transfer has been cancelled and the money is no longer available for deposit.
  • Completed - The recipient requested the money to be deposited to their bank account using INTERAC's offline deposit process. The process takes 3 - 5 business days to complete.

Request Money - Pending Statuses

  • Initiated - The money request notification to the recipient is being processed.
  • Sent - The money request notification has been sent to the recipient.
  • Invalid Email or Mobile Number - The recipient's email address or mobile number is not valid/no longer valid or the notification was not delivered for other reasons (e.g. the mailbox is full; mobile number does not exist; etc.). The sender will receive an email notification informing them. The sender/requestor can use EasyWeb or the TD app to update the recipient's email address or mobile number and resend the request.
  • Accepted - The request has been accepted by the recipient and a transfer is in the process of being sent back to the requestor.

Request Money - Complete Statuses

  • Deposit Received - The transfer was successfully deposited to the requestor's account.
  • Declined - The recipient declined the request. The requestor will receive an email notification from INTERAC.
  • Cancelled - The requestor cancelled the request. The recipient will receive a notification informing them that the request has been cancelled.
  • Expired - The recipient did not accept or decline the request prior to the expiry date.
  • Deposit Failed - The transfer could not be deposited. Invalid or closed accounts are two of the possibilities. The funds are returned to the responder and the responder will receive a notification.

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