What is the National Bank e-Transfer limit?

National Bank's standard Interac e-Transfer send limit is $3,000 per transaction and $10,000 per day for personal accounts. The 30-day limit is typically $30,000. These are the standard Interac network limits used by most major Canadian banks. Higher limits may be available for business accounts. The Digital Banking Account and The Account Plus include unlimited free e-Transfers; The Account ($4.95/month tier) includes one free e-Transfer per month.

Is Interac e-Transfer free at National Bank?

Interac e-Transfers are free and unlimited on the Digital Banking Account and The Account Plus. On The Account ($4.95/month tier), one e-Transfer is included per month — additional sends cost $1.00 each. Receiving e-Transfers is free on all National Bank accounts.

Can I increase my National Bank e-Transfer limit?

National Bank's standard limits ($3,000/transaction, $10,000/day) are set at the Interac network level and apply to all personal accounts. Business accounts typically have higher limits. Contact National Bank directly via phone or online banking to discuss your specific situation if you regularly need to send amounts above the standard daily limit. For very large transfers, a wire transfer or EFT (electronic funds transfer via online banking) between linked accounts is more practical than e-Transfer.

What is the e-Transfer limit for the Digital Banking Account?

The Digital Banking Account has the same e-Transfer limits as other National Bank personal accounts: $3,000 per transaction and $10,000 per day. The Digital Banking Account includes unlimited free e-Transfers — there is no per-send fee.

How do I send a large amount from National Bank?

For amounts above the $10,000 daily e-Transfer limit, use National Bank's EFT (electronic funds transfer) or wire transfer services. Online banking allows linking an external account and initiating a bank-to-bank transfer, which typically takes 1–3 business days and supports larger amounts than e-Transfer. For same-day large transfers, a domestic wire transfer is available for a fee ($20 domestic, $25–$40 international).

Does National Bank use Autodeposit for e-Transfers?

Yes. National Bank supports Interac Autodeposit. You can register your email address or phone number in online banking under Interac e-Transfer settings. Once registered, incoming e-Transfers are deposited automatically without requiring a security question answer. This is the most convenient setup for receiving regular payments.

National Bank e-Transfer Limit 2026 | Send & Receive Limits

National Bank’s Interac e-Transfer limits follow the standard Interac network: $3,000 per transaction and $10,000 per day for personal accounts. The Digital Banking Account and Account Plus include unlimited free sends; the basic Account tier includes one free send per month.

National Bank e-Transfer Limits

Limit	Amount	Notes
Send per transaction	$3,000	Standard Interac limit
Send per day	$10,000	Standard Interac limit
Send per 30 days	$30,000	Standard Interac limit
Receive per transaction	$3,000	Set by sender’s bank
Autodeposit	Supported	Register email or phone in online banking

e-Transfer Fees by Account

Account	Monthly Fee	e-Transfer Fee
Digital Banking Account	$0	Free, unlimited
The Account	$4.95 (waived at $1,500)	1 free/month; $1.00 each after
The Account Plus	$14.95 (waived at $3,000)	Free, unlimited
All-In-One Account	$26.95 (waived at $5,000)	Free, unlimited

For Canadians who send e-Transfers regularly, the Digital Banking Account ($0 monthly, unlimited e-Transfers) or The Account Plus are the practical choices. The basic Account’s single free e-Transfer limit is restrictive for modern banking needs.

National Bank vs Other Banks: e-Transfer Comparison

Bank	Per Transaction Limit	Daily Limit	e-Transfer Fee
National Bank (Digital)	$3,000	$10,000	$0
RBC	$3,000	$10,000	$0 (most accounts)
TD	$3,000	$10,000	$0 (most accounts)
Scotiabank	$3,000	$10,000	$0 (most accounts)
Simplii Financial	$3,000	$10,000	$0
Tangerine	$3,000	$10,000	$0
EQ Bank	$3,000	$10,000	$0

All major Canadian banks operate within the same Interac network limits. The differentiator is the fee structure, not the limits themselves. National Bank’s Digital Banking Account matches the best no-fee online bank offerings.

Setting Up Autodeposit

Autodeposit allows incoming e-Transfers to be deposited automatically — no security question required from the sender.

Log in to National Bank online banking
Go to Interac e-Transfer → Autodeposit Settings (or profile settings)
Register your email address or phone number
Confirm via the verification link sent to that email/phone

Once active, anyone who sends an e-Transfer to your registered email or phone will see the funds deposit directly to your National Bank account without requiring you to accept manually.

For Large Transfers: Wire and EFT Options

When amounts exceed the $10,000 daily e-Transfer cap:

Method	Timeline	Fee	Typical Limit
e-Transfer	Minutes	$0–$1.00	$10,000/day
EFT (linked account transfer)	1–3 business days	$0	Higher amounts
Domestic wire	Same day	$20.00	Very high
International wire	1–3 business days	$25–$40	Very high

For payroll, real estate deposits, or other large transfers, the EFT linked account option is typically the most cost-effective. Wire transfers provide same-day settlement where urgency justifies the fee.