What is the Tangerine e-Transfer limit?

Tangerine's standard Interac e-Transfer limits are $3,000 per transaction, $10,000 per day, and $30,000 per rolling 30-day period. These limits apply to outgoing e-Transfers from Tangerine chequing and savings accounts. Incoming e-Transfer limits are set by the sending institution. Limits may be lower for new accounts and can sometimes be increased by contacting Tangerine customer service.

Does Tangerine charge for e-Transfers?

No. Tangerine includes unlimited Interac e-Transfers at no charge on all chequing and savings accounts. There is no per-transfer fee and no monthly cap on the number of e-Transfers. This is the same as what most Big Five banks include only in their premium unlimited chequing plans — Tangerine provides it at no cost.

How do I set up Autodeposit with Tangerine?

Log in to Tangerine online banking or the app, go to Transfers, then Interac e-Transfer, and select Autodeposit Settings. Register your email address or mobile number. Once active, incoming e-Transfers sent to that address or number are deposited automatically without requiring you to accept them manually. Autodeposit is free and eliminates the risk of missing e-Transfers due to an expired security question.

Can I send more than $3,000 via e-Transfer with Tangerine?

The per-transaction limit is $3,000. To transfer more than $3,000 at once, use Tangerine's Electronic Funds Transfer (EFT) feature to move funds between Tangerine and a linked external bank account. EFT transfers have higher per-transaction limits than e-Transfer — typically $25,000 or more per transfer — though they take 2–5 business days to process, compared to e-Transfer's near-real-time delivery.

How long does a Tangerine e-Transfer take?

Most Interac e-Transfers from Tangerine are delivered within minutes to a few hours. If the recipient has Autodeposit enabled, the funds arrive automatically. Without Autodeposit, the recipient must accept the transfer (typically within 30 days before it expires and is returned). Transfers to accounts at other financial institutions may occasionally take a few hours longer during peak periods.

What is the Tangerine EFT transfer limit?

Tangerine's Electronic Funds Transfer (EFT) limit for external linked accounts is typically up to $25,000 per transfer, with standard processing of 2–5 business days. EFT is the preferred method for large transfers (above $3,000) between Tangerine and another bank. To use EFT, link your external account under Transfers → Manage Accounts in Tangerine online banking or the app.

Tangerine e-Transfer Limit 2026 | Send & Receive Limits

Tangerine includes unlimited free Interac e-Transfers on all chequing and savings accounts. The standard per-transaction limit is $3,000, with a daily cap of $10,000 and a 30-day rolling limit of $30,000.

These limits are consistent with what most Canadian financial institutions provide. For transfers above $3,000, use Tangerine’s EFT (Electronic Funds Transfer) to a linked external account — EFT handles larger amounts with a 2–5 business day processing window.

Tangerine e-Transfer Limits

Limit Type	Amount
Per transaction (outgoing)	$3,000
Daily limit (outgoing)	$10,000
30-day rolling limit	$30,000
Per transaction (incoming)	Set by sender’s bank
Fee	$0 (unlimited)
EFT per-transfer limit	~$25,000

e-Transfer vs EFT: When to Use Each

Method	Best For	Limit	Speed
Interac e-Transfer	Person-to-person; any Canadian bank	$3,000/transaction	Minutes to hours
Electronic Funds Transfer (EFT)	Large transfers; linked accounts only	~$25,000	2–5 business days

Use e-Transfer when sending money to another person or business quickly. Use EFT when moving large amounts between your own Tangerine account and an external bank account you have linked.

How to Send an e-Transfer from Tangerine

Log in to the Tangerine app or tangerine.ca
Go to Transfers → Send Interac e-Transfer
Select the account to send from
Enter the recipient’s email or phone number, the amount, and a security question (if they don’t have Autodeposit)
Confirm and send

To add a new recipient, select Add Contact and enter their email or mobile number.

How to Set Up Autodeposit

Autodeposit lets incoming e-Transfers deposit automatically to your account without requiring a password. To enable:

Go to Transfers → Interac e-Transfer → Autodeposit Settings
Register your email address or mobile phone number
Confirm the registration via the link or code sent to that contact

Once active, anyone who sends an e-Transfer to your registered email or phone number will have their funds deposited automatically to your Tangerine account. You cannot have the same email/phone registered for Autodeposit at multiple institutions — only one bank can hold the registration at a time.

Tangerine vs Competitors: e-Transfer Limits

Bank	Per Transaction	Daily	Monthly	Fee
Tangerine	$3,000	$10,000	$30,000	$0
Simplii Financial	$3,000	$10,000	$30,000	$0
EQ Bank	$3,000	$10,000	$30,000	$0
RBC	$3,000	$10,000	$30,000	$0 (unlimited plans)
TD	$3,000	$10,000	$30,000	$0 (unlimited plans)
CIBC Smart Account	$3,000	$10,000	$30,000	$0 (unlimited plans)

e-Transfer limits are standardised across Canadian financial institutions — $3,000/$10,000/$30,000 is the Interac system default. The meaningful difference is cost: Big Five basic plans charge $1.25 per e-Transfer; Tangerine, Simplii, and EQ Bank include them free.

Linking an External Account for EFT

To move amounts above $3,000 between Tangerine and another bank:

Go to Transfers → Manage Accounts → Add Account
Enter your external bank’s transit number, institution number, and account number
Tangerine sends two small test deposits to verify the account (1–2 business days)
Confirm the amounts in Tangerine to activate the link

Once linked, you can initiate EFT transfers between the two accounts in either direction. Processing takes 2–5 business days. Linked accounts must be Canadian bank accounts — US and international accounts are not supported for EFT.