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What are the fees and limits to send or request an Interac e-Transfer?

A transfer fee applies when you send or request money as follows:

Personal Accounts:

  • Up to $100: $0.50 per transfer1
  • Over $100: $1.00 per transfer1

Business Accounts1:

  • Every Day A, Every Day B, and Every Day C: 2 free monthly transfers (send or receive), $1.50 per transfer thereafter
  • All other business accounts: $1.50 per transfer

There is no transfer fee when you send or request money with the following accounts:

Personal Accounts:

  • TD Student Chequing Account1
  • TD Every Day Chequing Account1
  • TD Unlimited Chequing Account,
  • TD All-Inclusive Banking Plan
  • TD Wealth Private Banking Account

Business Accounts:

  •  TD Unlimited Business Plan

The Send Money transfer fee, if applicable, is charged to the account from which the money is sent at the time it is sent.

The Request Money transfer fee, if applicable, is charged to the account into which the money is deposited at the time of deposit, if the recipient accepts (fulfills) the request.

There is no transfer fee to receive a request and accept it1.

Cancellation fees

It's free to cancel any Send Money you've sent if it's within 45 minutes of sending it. After 45 minutes, a $5 fee applies. There's no charge to cancel a request for money.

If the recipient has Autodeposit enabled, the funds will automatically be deposited into their account. It's crucial to ensure the name, email, and phone number displayed match the intended recipient as Autodeposit transactions can't be cancelled. Note that for the following accounts, cancellations are free:

  • TD Wealth Private Banking Account
  • TD Unlimited Business Plan
  • Line of Credit

Limits

Sending limits2:

  • Per Transfer: $3,000
  • 24 hours3: $3,000
  • 7 days3: $10,000
  • 30 days3: $20,000

Sending limits apply when:

  • You send money to a recipient
  • You accept an incoming request for money

Request limits:

  • Per request: $3,000

Please note: your recipient can only accept your request if the amount you request is within their sending limits set by their financial institution.

1 Regular account transaction fees may apply.

2 Some customers may have different limits. For your specific limits, please refer to the Send Money screen on EasyWeb and the TD app.

3 Rolling Limits (in CAD $). Rolling limits are calculated based on the date and time the last e-Transfer was sent. For example, if you send a transaction at 8:00 a.m. today, the 24-hr "rolling" period will end at 7:59 a.m. tomorrow.

 

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