How to send money within Canada with Interac e-Transfer® on the TD app

Take advantage of Interac e-Transfer® on the TD app from your mobile device so you can send money to a person or a business, anywhere in Canada. All you need is their email address or valid Canadian mobile number – and an eligible bank account with a participating Canadian financial institution.

Here is a brief overview on how to send money with Interac e-Transfer® when you open the TD app:

1. Access Send Money
2. Set up transaction information
3. Create security question
4. Enter transaction details
5. Review & finish transaction

For more in-depth instructions, learn more below. If you're looking for Interac e-Transfer® EasyWeb instructions click here.

Step 1: Find the Interac e-Transfer option

Step 2: Set up transaction information

In the From Account dropdown, select the account from which you wish to send money.

From the To dropdown menu, select the person or business to whom you wish to send money.

If the recipient's name is not in your list, add it by selecting Add a Contact at the bottom of the list, or from the icon at the top right of the screen. Then enter the recipient's name and valid email address and/or Canadian mobile number.

If the recipient doesn't have Autodeposit, continue to Step 3: Set up a Security Question.

If the recipient has enabled Autodeposit from Interac e-Transfer®, there's no need for a security question and answer, as the money will be deposited to their account automatically.

It's crucial to ensure the name, email, and phone number displayed match the intended recipient as Autodeposit transactions can't be cancelled.

Skip to Step 4: Enter transaction details.

Step 3: Create a Security Question

In the Security Question field provided, create an effective question that cannot be guessed and only you and the recipient can answer correctly.

Remember the funds will be deposited to whomever can access the Interac e-Transfer® and correctly answer the security question, regardless of whether or not they are the intended recipient.

In the Answer field, type the answer to the security question you just created.

Answers may be between 3 and 23 letters and/or numbers in total. Special characters, such as, @, #, $, can't be used.

You must keep the answer to your security question confidential at all times. Do not communicate it electronically (e.g. email, social media, etc.)

In the Confirm Answer field, re-type the answer to your security question.

Step 4: Enter transaction details

In the Amount field, enter the amount of money you wish to send.

Keep in mind, there are daily, weekly, and monthly maximum limits for sending and receiving money via Interac e-Transfer®.

To view your send limits, simply select How much can I Send? at the bottom of the screen.

If you would like to, you may include a message to the recipient.

Type your message into the Message (optional) field.

Then, at the bottom of the screen, select Continue.

Step 5: Review and finish transaction

You must review all information to ensure that it is accurate and that it matches the intended recipient.

If you need to change anything, simply select the Back arrow at the top left of the screen.

If everything is satisfactory, then select the Send Money button.

If you no longer want to send money, select the Cancel button.

You will see the confirmation number for the transaction.

The recipient will be notified by email or text message/SMS alerting them that you've sent them money using Interac e-Transfer®

If the recipient has Autodeposit enabled from Interac e-Transfer®, the funds will automatically be deposited into their account. Otherwise, they will have to follow the instructions in the email or text message/SMS to deposit the money.

Congratulations! You've completed this tutorial.

Have a question? Find answers here