What is an Interac transfer?
An Interac e-Transfer allows a person or business to send money by email or text to another individual.
How does the Interac transfer work?
The sender and recipient must have access to their financial institution’s online banking service to use the Interac e-Transfer service.
Interac Transfers can only be made in Canadian funds between Canadian funds accounts at financial institutions in Canada.
To send funds using Interac e-Transfer, the sender does not need to know the recipient’s financial institution or bank details; only their email address or mobile phone number. In a few minutes, the recipient is notified by email and/or text that an Interac transfer has been sent to them. Once they accept it, the funds are transferred to their account.
Funds can be transferred from person-to-person, person-to-business, business-to-person or business-to-business.
Mobile App FAQ :
How to send an Interac e-Transfer
| To send an Interac e-Transfer via the mobile app, you will need: • Access to the Caisse mobile application • A chequing account or savings account at the Caisse (in Canadian currency) • The receiver's email address or mobile phone number (the individual must have a Canadian currency account at a financial institution in Canada) The first time you send an Interac e-Transfer, you will be prompted to create your "Sender Profile". This information will be used by Interac to carry out your various Interac transactions (e-Transfer, requests for funds, automatic deposit). Enter your name, email address, mobile phone number (optional) and your preferred method of receiving Interac e-Transfer notifications (text and/or email). To update your Sender Profile: click on Add/Remove a recipient and choose the option Modify my sender profile. You cannot specify the date on which you want to transfer the funds. The Interac e-Transfer will be sent in 30 minutes or less on the same day you complete the transaction. Open the Caisse Financial Group mobile application. On the main menu: • Click the Interac e-Transfer icon • Select a recipient • Select an account • Enter the desired amount • You can add a note, an invoice number and an invoice due date (optional) • Click Continue • Click Confirm After you complete the Interac e-Transfer (which takes a few minutes), the request is sent to the other individual in less than 30 minutes, if not immediately. When the recipient accepts the e-Transfer, you will receive a notification by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile. You can also check in the VIEW/NEW SEND/CANCEL PENDING FUND TRANSFERS tab, and the status of the Interac e-Transfer will be changed to "Recipient has been notified". If the recipient hasn't received an email after 30 minutes, they should check their Spam folder. The recipient will click on the link, log into their online banking service, follow the directions, and answer the security question to receive the funds. If the recipient does not answer the security question correctly, you will receive an email and/or text with instructions for depositing the funds into your account. When funds are deposited by the recipient, you will be notified by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile. *If you do not have access to e-Caisse, visit your local branch to register. |
How to receive an Interac e-Transfer
| To receive an Interac e-Transfer via the mobile app, you will : Receive an email or text message from the sender. The email should always come from notify@payments.interac.ca with the following subject: "Interac e-Transfer: (sender's name) sent you funds" The text should always come from 1 00001 with the following message: "Interac e-Transfer: (sender's name) sent you money. " If you were expecting an Interac e-Transfer and you did not receive a notification within 30 minutes of sending it, check your Spam folder. If you were not expecting an Interac e-Transfer from the sender, please confirm with him or her directly before accepting the e-Transfer. • Open the email or text message • Click the link in the text or on Deposit funds in the email. A new web page will open. • Click Caisse Financial Group's logo. If the Caisse Financial Group logo is not displayed, do not select "Choose a financial institution", select Choose province or territory and choose Manitoba from the list. • Click Choose a Credit Union and choose Caisse Financial Group from the list. • Click the Deposit button • A pop-up will appear asking you to make the following selection: Receive transfers using the: App this time only, App every time or Mobile website. We recommend you choose App every time . • The Caisse mobile application will automatically open. Enter your personal password to log in and answer the security question. Please note that the answer does not distinguish upper/lower case. If the answer is a date, the format to use is: dd-mm-yyyy (ex: 22-03-2011). Make sure you know the answer. After 3 unsuccessful attempts, you will be blocked. • Choose the account in which you want to deposit the funds and make sure that the Accept button is selected and in blue (at the top of the page) • Optional - You can add a message for the sender • Click Continue then click Deposit to accept the Interac e-Transfer. The funds will be deposited into your account. A receipt for the Interac e-Transfer will be displayed. The sender will be notified that the Interac e-Transfer has been accepted by text message from 1 00001 and/or by email from catch@payments.interac.ca. |
How to check the status of Interac e-Transfer
| To verify current Interac transfers from the mobile application, you must: • Open your Caisse Financial Group Mobile App • Select the Interac e-Transfer icon • Click on the Pending button • View your various current requests • Note that you can modify, delete or resend the request. All current Interac e-Transfers or Requests will be displayed. |
How to cancel an Interac e-Transfer
| You can cancel an Interac e-Transfer if the recipient has received the notification but has not yet deposited the funds. If the funds have been deposited into their account, the Interac money transfer cannot be canceled. To cancel an Interac e-Transfer made from the Mobile App, you must: • Select the Interac e-Transfer icon • Click the Pending button • Choose the transaction you want to cancel • Click the little red icon • Click the Confirm button The recipient will receive a message that an e-Transfer sent to them has been canceled. The funds will be deposited into the account from which they were withdrawn (net of the service charge which is non-refundable). |
How to refuse an Interac e-Transfer
| It is your choice whether or not to accept sent funds. If you receive an e-Transfer and do not want to receive funds for personal reasons, you can simply ignore the message. |
FAQ for e-Caisse:
How to send an Interac e-Transfer
| To send a e-Transfer via e-Caisse, you will need: • Access e-Caisse • A chequing account or savings account at Caisse (in Canadian currency) • The individual's email address or mobile phone number (the individual must have a Canadian currency account at a financial institution in Canada) The first time you send an Interac e-Transfer, you will be prompted to create your "Sender Profile". This information will be used by Interac to carry out your various Interac transactions (e-Transfers, Money Request, Autodeposit). Enter your name, email address, mobile phone number (optional) and your preferred method of receiving Interac transfer notifications (text and/or email). To update your Sender Profile: click on Add/Remove a recipient and choose the option Modify my sender profile You cannot specify the date on which you want to transfer the funds. The Interac transfer will be sent in 30 minutes or less on the same day you complete the transaction. To send a e-Transfer, log into e-Caisse. On the main menu: • Select the Transfers tab • Click on the Interac e-Transfer box • Click on Go • A new web page will open. In the 'Transfer to' drop-down menu, select a recipient or Add a new recipient • Send an Interac e-Transfer to an existing recipient: Choose the recipient from the list and complete the information required for the transfer. • Send an Interac transfer to a new recipient: 1) Click on Add a new recipient (under Transfer to). 2) Enter the information for the new recipient. You must also create a security question and a security answer that only the recipient knows about. *** The security response should only be a word 6 to 25 characters long, with no spaces or special characters. There is no upper / lower case distinction in the response and it can contain letters and numbers. If the response is a date, the format to use is: dd-mm-yyyy (eg: 03-22-2011). 3) Click on the Add recipient button 4) Check the information and click Confirm 5) Make sure the recipient knows the answer to the security question. If the recipient does not answer the question correctly, you will receive an email and/or text message with instructions on how to claim your funds and deposit them into your account. You can delete the recipient or change their information at any time. Each time you change a recipient's profile, the answer to the security question must be entered again. If you change the answer, please let the recipient know. • Enter the required information for the Interac transfer. • You can add an invoice number, an invoice due date or a message (optional) • In the drop-down menu, choose the account in which you want the money to be taken • Click on Send a transfer • Click Confirm Warning: For security reasons, it is important to close your browser and return to e-Caisse to disconnect. After you complete the Interac e-Transfer (which takes a few minutes), the request is sent to the other individual in less than 30 minutes, if not immediately. When the recipient accepts the transfer, you will receive a notification by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile. You can also check in the VIEW / NEW SEND / CANCEL PENDING FUND TRANSFERS tab, the status of the Interac transfer will be changed to "Recipient has been notified". If the recipient hasn't received an email after 30 minutes, they should check their Spam folder. The recipient will click on the link, log into their online banking service, follow the directions, and answer the security question to receive the funds. If the recipient does not answer the security question correctly, you will receive an email and/or text with instructions for depositing the funds into your account. When funds are deposited by the recipient, you will receive notification by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile. * If you do not have access to e-Caisse, visit your service center to register. To update your Sender Profile: click on Add / Remove a recipient and choose the option Modify my sender profile. You cannot specify the date on which you want to transfer the funds. The Interac transfer will be sent in 30 minutes or less on the same day you complete the transaction. |
How to receive an Interac e-Transfer
| To receive an Interac e-Transfer via the mobile app, you will : Receive an email or text message from the sender. The email should always come from notify@payments.interac.ca with the following subject: "Interac e-Transfer: (sender's name) sent you funds" To verify the email address, hover the mouse over the Sender's name and the originating address will be displayed. The text should always come from 1 00001 with the following message: "Interac e-Transfer: (sender's name) sent you money. " If you were expecting an Interac e-Transfer and you did not receive a notification within 30 minutes of sending it, check your Spam folder. If you were not expecting an Interac e-Transfer from the sender, please confirm with them directly before accepting the e-Transfer. • Click the link in the email or text • Click Caisse Financial Group's logo. If the Caisse Financial Group logo is not displayed, do not select "Choose a financial institution", select Choose province or territory and choose Manitoba from the list. • Select Choose a Credit Union and choose Caisse Financial Group from the list. • Click the Deposit button • An e-Caisse window will automatically open. Connect to e-Caisse. • Answer the security question. Please note that the answer does not distinguish upper/lower case. If the answer is a date, the format to use is : dd-mm-yyyy (ex: 22-03-2011). Make sure you know the answer. After 3 unsuccessful attempts, you will be blocked. • Click Accept this Interac e-Transfer • Choose your account from the list • Optional - Add a message for the sender • Click Continue then click Confirm to accept the Interac e-Transfer The funds are withdrawn from your account. A receipt for the Interac transfer will be displayed. The sender will be notified that the Interac e-Transfer has been accepted by text message from 1 00001 and/or by email from catch@payments.interac.ca. |
How to check the status of Interac e-Transfer
| To verify ongoing Interac e-Transfers from e-Caisse, you must: • Connect to e-Caisse • Select the Transfers tab • Click the Interac e-Transfer box • Click Go • A new web page will open. In the left menu, click Show/Resend/Cancel-Pending Funds Transfer • A box will appear with your transfers, and their statuses. All pending Interac e-Transfers or Request Money will be displayed. |
How to verify Interac e-Transfers made
| To verify any Interac e-Transfers made from e-Caisse, you must: • Open an e-Caisse session • Click the Transfers tab • Click the Interac e-Transfer tab and press Go • Click Search fund transfer history (in the left menu) All Interac e-Transfers or Request Money made in the last 2 years will be displayed. |
How to cancel an Interac e-Transfer
| You can cancel an Interac e-Transfer if the recipient has received the notification but has not yet deposited the funds. If the funds were deposited into the recipient's account, the Interac transfer cannot be canceled. To cancel an Interac money transfer made from e-Caisse, you must: • Connect to e-Caisse • Select the Transfers tab • Click the Interac e-Transfer box • Click Go • A new web page will open. In the left menu, click Show/Resend/Cancel-Pending Funds Transfer • A box will appear with your transfers. Click Cancel • Click Confirm The recipient will receive a message that an e-Transfer to them has been canceled. The funds will be deposited into the account from which they were withdrawn (net of the service charge which is non-refundable). |
How to refuse an Interac e-Transfer
| It is your choice whether or not to accept sent funds. If you receive an e-Transfer and do not want to receive funds for personal reasons, you can simply ignore the message. |
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