Personal Finance Money transfer

What are the Interac e-Transfer limits with Scotiabank?

Piyush Singh

03.09.25

Read time 1 minute

Whether you’re splitting the bill or paying a contractor, Interac e-Transfers are a go-to tool for Canadians who want to move money quickly. If you bank with Scotiabank, you can use Interac for everyday personal and business transactions, but there are daily, weekly, and monthly limits that can impact how much you can send or receive. We’ll break down Scotiabank’s Interac e-Transfer limits and fees here.

Table of contents
What are the Interac e-Transfer limits with Scotiabank? Interac e-Transfer fees at Scotiabank Key considerations of Scotiabank Interac e-Transfers Conclusion

What are the Interac e-Transfer limits with Scotiabank?

Scotiabank doesn’t publish exact Interac e-Transfer limits on its website because they vary based on your account type, transaction history, and other factors. Instead, Scotiabank advises customers to check their personal or business limits via online banking or the mobile app.

Here’s how to find your Interac e-Transfer limits:

Log into your Scotiabank online banking
Go to “Profile” and select “Manage ScotiaCard & Account Access"
Select the “Fastcash account setting & ScotiaCard limits” to check the e-Transfer limit for your account

To check via the app:

Go to your app’s home screen tap “More”
Select “Profile and settings”
Choose “View transaction limits”

Scotiabank’s Daily, weekly, and monthly limits

Limit Type	Personal Account	Business Account
Per transaction	Can vary by customer - not publicly disclosed	Up to 25,000 CAD¹ per transfer — no restriction on receiving funds
Daily limit	Not publicly disclosed	Not publicly disclosed
7-day limit	Not publicly disclosed	Not publicly disclosed
30-day limit	Not publicly disclosed	Not publicly disclosed

Interac e-Transfer fees at Scotiabank

Scotiabank’s Interac e‑Transfer fees depend on your account type. Many personal accounts include free transfers, but some lower-tier or business accounts may charge per transaction.

Scotiabank Fees

Account Type	Transfer Fee²
Most chequing accounts	Free Interac e‑Transfers included with accounts like Preferred and Ultimate Packages. A 1.00 CAD fee may apply per additional Interac e‑Transfer.
Business accounts	1.00 CAD per Interac e‑Transfer via Scotia OnLine, but some plans offer free transfers ScotiaConnect: Not disclosed - customers will need to check the Service Schedule
Receiving transfers	Free via Scotia OnLine for both personal and business accounts ScotiaConnect: Fees may apply (see Service Schedule)

Key considerations of Scotiabank Interac e-Transfers

Interac e-Transfers are a quick, convenient way to send money within Canada, but they are some considerations to keep in mind for your transfer:

No international transfers: Interac e-Transfer only works within Canada. You can’t send money abroad.
Transfer limits apply: Most Scotiabank accounts have daily and weekly Interac sending limits. While Scotiabank doesn’t publicly share these limits, they usually vary based on your account type and history.
No cash pickup or currency conversion: Interac supports CAD-to-CAD transfers only - no other currencies or cash pickup options.

Conclusion

Scotiabank’s Interac e-Transfer is a fast, convenient way to send money within Canada. It’s often free with personal accounts and delivers funds instantly — perfect for everyday domestic transfers.

Sources:

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