Interac e-Transfer deposits are a convenient way to fund your account, but delays can occasionally occur. This guide explains common causes, how to resolve them, and how to prevent future issues.
Common causes of deposit delays
Pending authorisation: a cancelled or interrupted deposit may leave a pending authorisation, where funds are released but the transaction has not completed. This can take up to 2 hours to clear.
Bank or payment platform processing times: some banks and platforms take longer to process transfers than others.
Using a saved recipient: transferring funds to a previously saved recipient instead of following the deposit steps can cause mismatches and delays. Always start your deposit from the deposit page.
Accounts not in your own name: deposits from an account that is not registered in your name require additional verification, which can delay processing.
Scheduled maintenance: deposits may be temporarily unavailable during maintenance windows.
Steps to resolve a delayed deposit
Allow up to 2 hours for the transaction to clear.
Gather the following information:
Interac reference number, found in your confirmation email (format CA followed by 6 alphanumeric characters). Search your inbox for emails from [email protected] or [email protected].
A bank statement showing the funds leaving your account.
Message Us with the reference number and bank statement for investigation.
If the funds are returned to your account, start a new deposit following the correct steps.
How to prevent future delays
Deposit in advance of when you need the funds, especially during peak times.
Always use the recipient details shown on the deposit page.
Deposit from an account registered in your own name.
Check for scheduled maintenance before depositing.