Want to send money to your child, landlord, co-worker or a friend? With an eligible CAD bank account at a Canadian financial institution, you can send, request and receive money any time by using the Interac e-Transfer service available in RBC Online Banking1 or the RBC Mobile1 app. It is easy, fast, and secure!
- 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 FREE2, 3 for all personal chequing accounts.
It's Simple
It's SimpleAll you need is the recipient's name and email address or mobile number.
It’s Convenient
It’s ConvenientEasily send money through email or text message. If you have an Apple device, you can even send money using voice command.
Siri for RBC Mobile
It’s Fast
It’s FastRecipients 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
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.
Find Out More
2 Step Verification
For your security, you may be asked to verify your identity when completing a transaction in order to safeguard you from potential fraudsters.
Remember, an RBC advisor will never call, text, or email you to ask you for personal information like your account number, PIN, verification code, or passwords.
Find Out More
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.
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.
- Learn How to Request Money
Pre-Arranged Payments and Transfers
Whether you're at home or away, you can arrange to have payments and transfers made at a pre-determined frequency on specified dates.
- Learn How to Setup a Pre-Arranged Payments and Transfers
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.
Or download the RBC Mobile app
Frequently Asked Questions
You can send an Interac e-Transfer easily through RBC Online Banking or the RBC Mobile app.
View Tutorial
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.
View Tutorial
Clients can send up to $10,000 per day in the RBC Mobile app by securely verifying their identity. For more information on daily limits available, please log in to the RBC Mobile app or RBC Online Banking for more details.
1)
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
2)
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.
3)
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.
4)
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.
5)
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.
To Request Money:
- Sign in to RBC Online Banking.
- On the right side of the Accounts Summary page, select Pay Bills & Transfer Funds.
- On the Pay Bills & Transfer Funds page, on the left-hand side, select Request Money.
- Follow the prompts on the page to send a request.
