Interac says the transaction limits are set by your financial institution, so how much you can send by Interac e-Transfer depends on your bank. A bank may set more than one limit, each over its own period, such as a day, a week and a month; the table below gives each bank’s, with a link to its page where it publishes one. CIBC says limits may differ for some clients, and several banks show your own limit in online banking or the app.
What are the e-Transfer limits at each bank?
Each row gives a bank’s limits for sending and, where it states one, receiving, in the bank’s words and periods.
| Bank | Sending limits | Receiving limit | Source |
|---|---|---|---|
| BMO | BMO says it may limit the number of Interac e-Transfer transactions based on daily, weekly and monthly rolling limits, and that Interac e-Transfer transactions are subject to maximum send and receive dollar amounts | – | BMO's fee guide (PDF) |
| CIBC | $3,000 in a 24-hour period; $10,000 in a 7-day period; $30,000 in a 30-day period | – | CIBC's page |
| Desjardins | $5,000 per transfer, per 24-hour period | $25,000 per transfer | Desjardins's page |
| EQ Bank | $5,000 per 24-hour period; $20,000 per 7-day period; $50,000 per 30-day period | $25,000 per transaction | EQ Bank's page |
| KOHO | $5,000 per transaction and per day | $10,000 per transaction and per day; $40,000 per month | KOHO's page |
| Manulife Bank | – | – | |
| National Bank | $4,000 per 25-hour period; $14,000 per 7-day period | – | National Bank's page |
| Neo Financial | Neo Chequing and Neo Everyday: $3,000 to $15,000 per transaction; $5,000 to $15,000 per 24 hours; $10,000 to $30,000 per 7 days; $20,000 to $90,000 per 30 days; up to 50 outgoing e-Transfers a month. Neo says higher limits may be available as a member's standing with Neo grows. | $25,000 per transaction | Neo Financial's page |
| RBC | $10,000 per day through the RBC Mobile app, after the client's identity is verified | – | RBC's page |
| Scotiabank | – what Scotiabank says | – | Scotiabank's page |
| Simplii Financial | $3,000 in any 24-hour period; $10,000 in any 7-day period; $30,000 in any 30-day period | – | Simplii Financial's page |
| Tangerine | $3,000 daily; $10,000 weekly; $20,000 monthly | $10,000 daily; $70,000 weekly; $300,000 monthly | Tangerine's page |
| TD | – what TD says | – | TD's page |
| Wealthsimple | $5,000 per 24 hours (default); $10,000 per 7 days; $30,000 per 30 days | – | Wealthsimple's page |
A dash means this table shows no figure for that bank.
Checked against each bank's page on October 18, 2026.
How do the per-transfer, daily, weekly and monthly limits work together?
Each limit is a separate ceiling: CIBC, for example, says that once a transfer reaches your daily limit, the next one waits 24 hours, and the weekly or monthly limit still applies.
The periods are each bank’s own. Simplii’s limits apply in any 24-hour, 7-day or 30-day period. National Bank counts over 25 hours: $4,000 per 25-hour period; $14,000 per 7-day period. Neo gives ranges rather than one figure, depending on a member’s standing with Neo.
Suppose a bank allows $3,000 a day and $10,000 over 7 days. Sending $3,000 on each of 3 days in a row uses $9,000 of the weekly room. On the next day only $1,000 can go, although the daily limit is untouched, until the first transfer drops out of the 7 days.
Some banks also set a receiving limit, the table’s third column, so a transfer that fits the sender’s limits can still be more than the recipient’s bank takes.
Can you raise your e-Transfer limit?
Banks differ: some let a client change the limit in the app or ask for a higher one by phone or at a branch, and others say it can’t be changed. Each bank’s own words:
| Bank | What the bank says about changing it | Source |
|---|---|---|
| CIBC | Limits may differ for some clients; signing on to online or mobile banking and starting an Interac e-Transfer shows a personal limit. | CIBC's page |
| Desjardins | Desjardins says it is not possible to increase the limits for Interac e-Transfer. | Desjardins's page |
| KOHO | KOHO says the limit can't be increased. | KOHO's page |
| National Bank | National Bank says the send limit cannot be changed. | National Bank's page |
| Neo Financial | Some limits can be viewed and managed in the Neo app (Profile, then Transaction limits) or at member.neofinancial.com. | Neo Financial's page |
| RBC | RBC says the limit cannot be increased or decreased; a client's limits are under Daily Transaction Limits in RBC Online Banking and the RBC Mobile app. | RBC's page |
| Scotiabank | A daily limit applies to all Interac e-Transfers sent through online or mobile banking; the limit for an account is shown in online banking and can be changed under Manage transaction limits in the app. For a higher limit than the app allows, Scotiabank says to call 1-800-472-6842 or visit a branch. | Scotiabank's page |
| Tangerine | Tangerine says Interac e-Transfer limits are set by Interac and it can't change them. | Tangerine's page |
| TD | Daily, weekly and monthly maximum limits apply to sending and receiving. EasyWeb shows the send limits at the bottom of the page under Fees and Limits, Maximum Amounts; the TD app shows Available to send under the Amount field. | TD's page |
| Wealthsimple | Eligible clients can raise or lower the daily limit in $1,000 steps, from $1,000 to $50,000, under Sending limit in the chequing account settings; the weekly and monthly limits adjust with it. | Wealthsimple's page |
A dash means this table shows no figure for that bank.
Checked against each bank's page on October 18, 2026.
Banks missing here are in the first table, with a link to the bank’s page where it publishes one.
How can you send more than your e-Transfer limit?
- Over several days. A payment can be split across days while the weekly and monthly limits still have room, as the example above shows.
- Between your own accounts. EQ Bank, for example, says banks tend to set daily e-Transfer limits, so e-Transfers suit smaller amounts, and that an Electronic Funds Transfer from a linked account at another bank can deposit larger amounts per transaction, with a hold period on the money. Ways to move money covers transfers between your own accounts.
- A wire transfer. Payments Canada calls a wire payment one of the safest ways to move money from your account into someone else’s through your financial institution, especially for a large amount.
- A bank draft. Payments Canada defines a bank draft as a payment item a bank draws against its own account.
Sending, receiving, fees and failed transfers
How to send and receive money, Autodeposit and the fees banks charge are in the Interac e-Transfer guide. How long an e-Transfer takes and what happens when one bounces have their own pages.
Related pages
Sources
The figures and rules on this page come from these sources, last checked against them on September 14, 2026. How we check facts.
- BMO: Agreements Bank Plans and Fees for Everyday Banking
- CIBC: Send interac e transfer
- desjardins.com: Interac e transfer
- eqbank.ca: Common questions
- help.wealthsimple.com: 5495230722075 Send money with Interac e Transfer
- koho.ca: Interac etransfer
- National Bank: What maximum amount for transfers
- RBC: Interac e transfer
- Scotiabank: Whats my interac e transfer limit
- simplii.com: E transfer
- support.neofinancial.com: 14009753 transfer limits and spending limits
- Tangerine: Whats the interac e transfer limit
- TD: Send interac etransfer