What is the Desjardins e-Transfer limit?

Desjardins Interac e-Transfer limits follow the standard Interac network: $3,000 per transaction and $10,000 per day for personal accounts. These are the same limits used by RBC, TD, Scotiabank, and most other Canadian financial institutions. Business accounts may have higher limits. The number of free e-Transfers included depends on your account plan — Unlimited and Premium plans include unlimited free sends; the Everyday Banking tier may limit included sends.

Is e-Transfer free at Desjardins?

Interac e-Transfers are included as part of most Desjardins chequing plans. The Unlimited and Premium accounts include unlimited free e-Transfers. The Everyday Banking account includes a set number of transactions per month — each e-Transfer consumes one of those transactions. Check your specific account agreement or contact your caisse to confirm how many transactions are included and what the overage cost is.

How do I send an Interac e-Transfer with Desjardins?

Log in to AccèsD online banking or the Desjardins mobile app → Interac e-Transfer → Send money → enter the recipient's email or phone number, the amount, and a security question (unless the recipient has Autodeposit). The funds are sent from your designated Desjardins account and the recipient receives a notification. Transfers are typically deposited within minutes when the recipient's bank supports real-time e-Transfer.

Does Desjardins support Autodeposit?

Yes. Desjardins supports Interac Autodeposit. Register your email address or phone number in AccèsD online banking or the mobile app under Interac e-Transfer settings. Once registered, incoming e-Transfers are deposited automatically without requiring the sender to set a security question or the recipient to accept manually.

Can I send more than $10,000 at once from Desjardins?

The standard Interac e-Transfer daily limit is $10,000. For larger transfers, use AccèsD online banking to initiate an EFT (electronic funds transfer) to a linked external account, which supports higher amounts with a 1–3 business day processing time. For same-day large transfers, contact your caisse directly about wire transfer options.

What is the Desjardins e-Transfer limit for the Unlimited account?

The per-transaction and daily limits are the same for all Desjardins accounts: $3,000 per transaction and $10,000 per day, set by the Interac network. The Unlimited account difference is that all e-Transfers are included in the monthly fee — there is no per-send charge. The basic Everyday Banking tier may charge per-transaction once your monthly transaction allowance is exceeded.

Desjardins e-Transfer Limit 2026 | Send & Receive Limits

Desjardins Interac e-Transfer limits follow the standard Interac network: $3,000 per transaction and $10,000 per day for personal accounts. Whether e-Transfers are included at no additional charge depends on your account plan.

Desjardins e-Transfer Limits

Limit	Amount
Per transaction	$3,000
Per day	$10,000
Per 30 days	$30,000
Receive (depends on sender’s bank)	Up to $3,000

e-Transfer Fees by Account Plan

Account	e-Transfer Included	Overage Cost
Everyday Banking	Counted within transaction allowance	Per transaction (varies by caisse)
Unlimited	Unlimited free	$0
Premium	Unlimited free	$0

The Everyday Banking account includes approximately 12 transactions per month. Each Interac e-Transfer sent consumes one transaction. If you regularly send multiple e-Transfers per month, the Unlimited account (at $12.95/month, waived at $4,000 balance) avoids per-transaction tracking.

Desjardins vs Competitor e-Transfer Comparison

Institution	Daily Limit	e-Transfer Fee
Desjardins (Unlimited)	$10,000	$0
RBC (Signature No Limit)	$10,000	$0
TD (Unlimited)	$10,000	$0
Simplii Financial	$10,000	$0
National Bank (Digital)	$10,000	$0
EQ Bank	$10,000	$0

All major Canadian financial institutions operate within the same Interac network limits. The differentiator is fee structure and daily account management.

Sending e-Transfers via AccèsD

Online banking:

Log in at desjardins.com/accesD
Select Interac e-Transfer from the menu
Choose Send money
Enter recipient email or phone, amount, and security question (or confirm Autodeposit)
Confirm and submit

Mobile app:

Open the Desjardins app
Tap e-Transfer or Send Money
Follow the same steps as online banking

Transfers are typically received within minutes if the recipient’s institution supports real-time processing. Some institutions take up to 30 minutes during off-hours.

Autodeposit Setup

Autodeposit allows incoming e-Transfers to be deposited automatically without requiring acceptance:

Log in to AccèsD online banking or app
Navigate to Interac e-Transfer → Autodeposit
Register your email address or mobile phone number
Confirm via the verification link or code

Once active, senders see that Autodeposit is enabled and do not need to set a security question. Funds deposit directly to your designated Desjardins account.

Large Transfers Beyond e-Transfer Limits

For amounts exceeding $10,000/day:

Method	Timeline	Fee	Practical For
EFT (AccèsD linked account)	1–3 business days	$0	Large routine transfers
Wire transfer	Same day or next day	Caisse-dependent	Urgent large transfers
In-branch transfer	Same day	May vary	Branch-accessible members

Contact your caisse directly for wire transfer availability and fees, as these vary by location and amount.