You can request money from anyone with an email address or mobile number who has access to digital banking at a Canadian financial institution that supports Interac e-Transfer.

Yes, the recipient will receive a request for money from short code 100001, the same code that is used for all Interac e-Transfer text notifications. Standard text messaging charges will apply when members receive text message notifications about an Interac e-Transfer.

Yes, our Interac e-Transfer send and receive limits also apply to Request Money.

Request Money notifications are sent in near real-time.

If a financial institution doesn’t support the Request Money feature, the request recipient can decline the request with a message to the requestor. Alternatively, they can send a regular Interac e-Transfer transaction to the requestor, instead of fulfilling the request for money.

Always check that you have entered the correct mobile phone number or email address when setting up the recipient and review this number when sending or requesting money. A notification may not be delivered if:

• The phone number entered is a landline
• The phone number entered is a non-Canadian mobile phone number
• The recipient has blocked Interac e-Transfer notifications from being sent to their mobile phone number
• The recipient is encountering technical issues with their mobile phone (e.g. phone is off, mobile network unavailable)
• The mobile network operator does not support all text messages

Yes, you can edit or cancel a money request by logging into digital banking and selecting the Pending Transfers list. You can cancel requests that have an Edit or Cancel link.

Yes, once the request for money has been fulfilled and the funds deposited, you will receive a notification that the funds are available in your account.

Similar to receiving money through Interac e-Transfer, when someone requests money, you will receive a notification to the email address or mobile number the sender has set up for you.

Yes, you will receive automated reminder notifications for outstanding requests.

Money requests are valid for 30 days from the send date. However, the expiry date can be extended by another 30 days if the member renotifies the recipient of the outstanding request before it expires.

No, scheduled money requests are not available at this time.

Yes, you can decline a request for money by selecting the Decline Request button in the notification. You can also provide a reason for declining the request, and it will be sent to the requestor.
 

Yes, you can opt-out of receiving requests from a particular requestor, or out of the service completely. To do so, when you decline a request for money, you can choose to block the sender making the request, or all future requests.

If you have received or stored an email notification from Interac, you can click on the link to see who you have blocked from sending requests for money. This will open a new Interac web page showing your blocked email addresses.
 
If you no longer have a request email, please visit the Interac website to request instructions on how to access this information.

Yes, Interac will accept and reply to two responses: 

• HELP: A HELP reply to short code 100001 will provide you with the address of the Interac website, and instructions to type the link received in the notification into any browser.
• STOP: To permanently stop all text message notifications from Interac e-Transfer, reply to any Interac e-Transfer text message with the message STOP (or text STOP to 100001). Once stopped, text message notifications cannot be reinstated. Standard text messaging charges apply when receiving or sending text messages.

No, Interac will not allow the request to be fulfilled more than once. An error message with error code 533 will be displayed if that occurs. However, there may be scenarios where business delegates fulfill the request more than once, resulting in duplicate Fulfill Requests pending a signer’s approval. The duplicate Fulfill Request should be rejected or recalled once the first request is approved.

No, if you have reviewed and confirmed the fulfill request, but received an error message instead of the receipt page, your account will not be debited, and you can fulfill it again from the email notification after the error is corrected.

Notifications from Interac via text message or email for Send or Request Money transfers could be sent for the purposes of committing fraud. This is called phishing. Since phishing is generally used to gather online banking credentials, we strongly recommend that you only respond to Interac notifications from senders you know.
 
Interac does provide the legal name of individuals and businesses for Request Money transfers in their notifications, which can help you determine if the notification is legitimate. For most up-to-date information on Interac e-Transfer fraud or scams in the industry, please review the Interac security FAQs.

No, only one signer is required to initiate a request, as it eventually results in a credit to the account.

Yes, businesses who require two signers will need two approvers to review and submit the request fulfillment.