Interac® e-Transfers

Interac® e-Transfers are free and unlimited for all G&F members with a personal account!

Send and receive money quickly, conveniently, and safely using your mobile phone or computer with Interac® e-Transfers. All you'll need to know is the recipient's email or mobile number. No account information is required. You can even transfer on-the-go, by using G&F's Mobile Banking app

Anyone with an account at a Canadian financial institution can send and receive an Interac® e-Transfer anytime, anywhere.

Sending an Interac® e-Transfer

You’ll need to create a recipient list before you can send money to someone using Interac® e-Transfer. The recipient’s name, email or mobile phone number, and a security question for the recipient are required.
  1. Login to Online Banking.
  2. Click on Transfers > Send Interac® e-Transfer.
  3. If not previously setup for Interac® e-Transfers, choose Create Your Sender Profile.
  4. Transfer To: Select the recipient. Note: If the recipient is registered for Autodeposit, you will see a confirmation checkbox appear at the bottom of the page.
  5. Transfer From: Select the account you are withdrawing from.
  6. Enter the amount of money you would like to send.
  7. Message: You have the option to write a message to the recipient. Note: Do not put the answer of the security question in your personal message.
  8. If the recipient has registered for Autodeposit, you will need to click on the checkbox to confirm that you understand that the recipient will not need to answer a security question to deposit the funds.
  9. Click Send Transfer.
  10. Click Confirm.

Note: Autodeposit will work only if the receiving party’s Financial Institution supports Autodeposit.

Receiving an Interac® e-Transfer

The recipient will receive a notification by email or text message indicating that they have been sent an Interac® e-Transfer. Using their own financial institution's online banking site, the recipient will be walked through a few simple steps to deposit the funds.

Before they are able to deposit the funds, they must answer the security question that was set up at the beginning of the transaction. 

Setting up Autodeposit

If you are registered for Autodeposit, incoming Interac e-Transfers will be automatically deposited into your account and you’ll receive a deposit notification.

To set up Autodeposit, complete the following steps:

  1. Login to online banking.
  2. Go to Transfers > Send Interac e-Transfer.
  3. If not previously set up for Interac e-Transfers, select Create Your Sender Profile and complete that process.
  4. Click on the link for Autodeposit.
  5. On the Autodeposit Registration page, input or confirm your email address and select the account to associate with the email address.
  6. Read and agree to the conditions specified by clicking on the checkboxes. Note: you must agree to the conditions if you wish to be registered for Autodeposit.
  7. Click on the Register You should receive a confirmation message stating that an email has been sent to your address to complete the registration. (It is important you open the email and confirm the registration within 24 hours.)
  8. Click Done. You’ll be taken to the Autodeposit settings page which shows the status of your registration.
  9. Open the email for the Autodeposit Registration and click on the button: Complete Registration. You will receive a confirmation that Autodeposit Registration has been completed.

Watch this video about Autodeposit:

Transaction limits

Per transaction

Sending limit

Receiving limit











For more information, please visit the Frequently Asked Questions section for Interac® e-Transfers.