Here are some common issues people have with direct debits in Canada, along with some solutions you can try.
If the below answers don’t help, you might need to choose another way to pay. Learn about other ways to pay from Canada.
I get an error when I log in to my bank account
Make sure you’re entering the right login details for that account. If you need to manage your login details for your bank, you’ll need to contact them directly.
If you’re sure you’re using the right login details, it could be that your bank doesn’t support online access. If this is the case, you’ll have to choose another payment method.
I don’t want to provide my online banking login details
Without your login details, we can’t debit your bank account and you’ll need to pay another way.
We’ll never pull money automatically from your account without your permission.
I paid but the money hasn’t left my account yet
It can take a few days for the money to leave your account. Just be sure to keep enough money in your balance for the debit to work.
I don’t see the option to pay with direct debit
You can send up to 9,500 CAD per day and 30,000 CAD weekly by direct debit. If your transfer puts you over the limit, you won’t be able to pay with direct debit until more time has passed.
If you’re trying to pay from your business account, you’ll need to choose a new payment method. Direct debits from Canada are only available for personal accounts.
It says I have insufficient funds, but I have enough in my account
Your bank will check all of the debits you’ve made from your account in the last 4 business days. So, if you’ve made other payments in the last few days, it might show that you have insufficient funds.
You won’t be able to pay by direct debit until the other payments clear. Try paying another way if you need to send money urgently, or wait a few business days.