RBC Interac e-Transfer limits control how much money you can send per transaction, per day, and per month. For most personal banking clients on No Limit Banking or above, the limits are high enough that they rarely become a constraint for personal use — the $3,000 per-transaction cap is the most commonly encountered ceiling, typically when paying a larger bill or splitting a significant expense.
RBC E-Transfer Limits at a Glance
| Limit Type | Standard Personal | Notes |
|---|---|---|
| Per transaction | $3,000 | Varies by account tier |
| Daily sending limit | $10,000 | Resets midnight ET |
| Monthly sending limit | $30,000 | Rolling 30-day period |
| Receiving limit | No published limit | Large inflows may trigger fraud review |
| Auto-Deposit | No separate limit | Counts toward recipient’s daily inflow |
Limits by Account Type
| Account | Per Transaction | Daily | Monthly |
|---|---|---|---|
| Day to Day Banking | $3,000 | $3,000 | $10,000 |
| No Limit Banking | $3,000 | $10,000 | $30,000 |
| VIP Banking | $3,000 | $10,000 | $30,000 |
| Signature No Limit Banking | $3,000 | $15,000 | $40,000 |
| RBC Business Banking | Higher | Higher | Higher |
Limits are subject to change. Verify your current limits in RBC Online Banking under Account Details → Transaction Limits.
E-Transfer Fees by Account
| Account | Send Fee | Receive Fee |
|---|---|---|
| Day to Day Banking | $1.50/transfer | $0 |
| No Limit Banking | Included | $0 |
| VIP Banking | Included | $0 |
| Signature No Limit Banking | Included | $0 |
| Student Banking | Included | $0 |
If you are on Day to Day Banking and sending e-Transfers regularly, the fees accumulate quickly — 10 transfers/month adds $15 to the $4 monthly fee, making it effectively a $19/month account. Upgrading to Signature No Limit Banking at $16.95/month (or as low as $4/month with the RBC Value Program, which requires holding other RBC products) almost always makes more financial sense for regular e-Transfer users.
How to Send an Interac E-Transfer with RBC
- Log in to RBC Online Banking or open the RBC Mobile app
- Navigate to Send Money → Interac e-Transfer
- Select the account to send from
- Enter the recipient’s email address or phone number
- Enter the amount (up to your per-transaction limit)
- Add a security question and answer (unless the recipient has Auto-Deposit enabled)
- Add an optional message and confirm
Funds are typically available to the recipient within 30 minutes during business hours. Overnight or weekend transfers may take until the next business day.
Interac Auto-Deposit
Auto-Deposit lets recipients receive e-Transfers directly into their account without answering a security question. It is set up by the recipient, not the sender.
- If someone has Auto-Deposit enabled, you do not need to create a security question
- Funds are deposited automatically — the recipient receives an email notification
- You can enable Auto-Deposit for your own RBC account through Online Banking under Interac e-Transfer → Auto-Deposit settings
Auto-Deposit is more secure than security-question transfers because there is no question to intercept or guess.
Sending Large Amounts Above the Limit
If you need to send more than $3,000 in a single transaction:
Split into multiple transfers: Send up to $3,000 in separate transfers to the same recipient, provided you stay within the daily limit. Most recipients understand this for large bill payments.
Wire transfer: For amounts above your daily e-Transfer limit, a wire transfer is the alternative. RBC domestic wire transfers cost approximately $25 and can handle significantly larger amounts.
In-branch bank draft: For very large transfers (buying a car, paying a deposit on a property), a bank draft provides a guaranteed payment instrument. See how to get a bank draft in Canada.
Requesting an E-Transfer Limit Increase
Temporary increase (up to 7 days)
Call RBC at 1-800-769-2511 (24/7). Explain the reason (e.g., a large purchase or payment) and the amount needed. Temporary increases are typically approved in one call for clients in good standing.
Permanent increase
A permanent increase requires a conversation with RBC and may involve a review of account history. Contact RBC by phone or in-branch. Business clients should speak with their RBC Business Banking advisor.