What is the Scotiabank e-Transfer limit?

Scotiabank Interac e-Transfer limits are $3,000 per transaction, $10,000 per day, and $30,000 per 30-day rolling period. These limits apply to outgoing e-Transfers sent from your Scotiabank account. There is no limit on the amount you can receive via e-Transfer. Higher limits may be available by calling Scotiabank at 1-800-472-6842.

Does Scotiabank charge for e-Transfers?

Interac e-Transfers are free with the Preferred Package, Ultimate Package, and Student Account. Day to Day Banking clients pay $1.25 per outgoing e-Transfer, and the transaction counts toward no monthly allotment (Day to Day charges per transaction regardless). Basic Bank Account clients pay $1.25 per e-Transfer after the 12 included transactions are used. Receiving an e-Transfer is always free.

Does Scotiabank support Interac Autodeposit?

Yes. Scotiabank supports Interac Autodeposit, which allows incoming e-Transfers to be deposited to your account automatically without you needing to accept or enter a security question answer. You can register for Autodeposit through Scotia OnLine or the Scotiabank app under Interac e-Transfer settings.

Can I send an e-Transfer to the US from Scotiabank?

No. Interac e-Transfer is a Canadian-only service and cannot be used to send money internationally. For transferring money to the United States or other countries, you would need to use Scotiabank international wire transfer, a service like Wise or Western Union, or if the recipient banks with Scotiabank internationally (e.g., in Mexico or the Caribbean), Scotiabank may offer specific international transfer options.

What happens if my e-Transfer is not accepted within 30 days?

If the recipient does not accept or decline an e-Transfer within 30 days, it expires and the funds are automatically returned to your Scotiabank account. You will receive a notification that the transfer has expired. No fee is charged for expired e-Transfers.

Scotiabank E-Transfer Limit 2026 | Send & Receive Limits

Scotiabank Interac e-Transfers follow the same standard limits as the other Big Five banks: $3,000 per transaction, $10,000 per day, and $30,000 per 30-day rolling period. These limits are set by Payments Canada and Interac, not Scotiabank independently, which is why the same limits appear across RBC, TD, and BMO.

Where Scotiabank differs slightly is the fee structure. Day to Day Banking clients pay $1.25 per e-Transfer — the same $1.25 per-transaction fee that applies to all transactions on that account. Preferred Package and Ultimate Package holders send e-Transfers for free as part of unlimited transactions.

E-Transfer Limits at a Glance

Limit Type	Amount
Per transaction (outgoing)	$3,000
Daily (outgoing)	$10,000
30-day rolling period (outgoing)	$30,000
Per transaction (incoming)	No limit
Daily (incoming)	No limit

E-Transfer Fees by Account

Account	Outgoing e-Transfer Fee	Notes
Day to Day Banking	$1.25 each	Counts as 1 of the per-transaction charges
Basic Bank Account	$1.25 after 12 transactions	Free within the 12-transaction allotment
Preferred Package	$0	Unlimited e-Transfers included
Ultimate Package	$0	Unlimited e-Transfers included
Student Account	$0	Unlimited e-Transfers included

For Day to Day Banking clients, the per-e-Transfer fee means that sending one e-Transfer per day for a month costs roughly $38.75 — significantly more than simply upgrading to the Preferred Package at $16.95/month (or free with $4,000 balance). Any Day to Day client who sends more than 13 e-Transfers per month would save money by upgrading their account.

How Scotiabank E-Transfers Work

Sending an E-Transfer

Log in to Scotia OnLine or the Scotiabank app
Navigate to Transfers → Send Interac e-Transfer
Select the account to send from
Enter the recipient’s email address or Canadian mobile number
Enter the amount (up to $3,000)
Set a security question and answer (unless the recipient has Autodeposit registered)
Confirm and send — the recipient receives a notification immediately

Receiving an E-Transfer

Incoming e-Transfers arrive via email or SMS notification. If you have Autodeposit registered, the funds are deposited automatically. Without Autodeposit, click the link in the notification, select your Scotiabank account, answer the security question, and accept. Receiving is always free regardless of account type.

Autodeposit

Autodeposit bypasses the accept/security question step. Register through Scotia OnLine or the Scotiabank app under Interac e-Transfer → Autodeposit Settings. Link your email address or phone number to your chosen Scotiabank account. Once registered, anyone who sends you an e-Transfer to that email or number will have it deposited immediately without the recipient needing to act.

Requesting a Higher E-Transfer Limit

The $3,000 per-transaction and $10,000/day limits are standard. If you regularly need to transfer larger amounts, call Scotiabank at 1-800-472-6842 to discuss a limit increase. Business clients and Ultimate Package holders with strong account history are most likely to receive higher limits.

For amounts that exceed e-Transfer limits entirely, consider:

Alternative	Amount	Details
Scotia OnLine wire transfer	Up to ~$50,000/day	~$25 domestic fee
In-branch wire transfer	Varies	Higher limits possible
Bank draft	Any amount	$7.50 fee; free with Ultimate Package