What is Scotiabank's daily e-Transfer limit?

Scotiabank's standard daily Interac e-Transfer sending limit is $3,000 for personal accounts. The 7-day rolling limit is $10,000 and the 30-day limit is approximately $20,000. These match the Interac network standard used by all major Canadian banks. Confirm your exact limits in Scotia Online Banking or the Scotiabank Mobile Banking app.

How do I send an e-Transfer from Scotiabank?

Log into Scotia Online Banking at scotiabank.com or open the Scotiabank Mobile Banking app. Navigate to 'Send Money' then 'Interac e-Transfer'. Choose the account to send from, add the recipient's email or phone, enter the amount, create a security question (unless recipient has Autodeposit), and confirm. The transfer is debited immediately.

Does Scotiabank charge for e-Transfers?

On the Scotiabank Preferred Package and Ultimate Package, Interac e-Transfers are unlimited and free. On the Basic Banking Plan ($3.95/month), each e-Transfer counts as one of your 12 monthly transactions. Sending outside your monthly allowance costs an additional $1.50 per transfer. Receiving an e-Transfer is always free.

What is the maximum e-Transfer I can receive at Scotiabank?

Scotiabank accounts can receive up to $25,000 per Interac e-Transfer. This is the Interac network maximum. The Autodeposit feature can be set up to automatically receive transfers without needing to manually accept and answer a security question.

How do I set up Autodeposit on Scotiabank?

In Scotia Online Banking, go to 'Interac e-Transfer' settings and select 'Autodeposit Registration'. Register your email address or Canadian mobile number. Once active, transfers sent to your email or phone will automatically deposit into your chosen Scotiabank account. No security question is needed by the sender.

Scotiabank e-Transfer Limit 2026 — Daily Interac Limits and How to Send

Scotiabank’s Interac e-Transfer daily send limit is $3,000. The 7-day rolling limit is approximately $10,000. You can receive up to $25,000 per transfer. e-Transfers are free on Preferred and Ultimate Packages. On the Basic Banking Plan, each e-Transfer costs $1.50.

Quick answer: Scotiabank e-Transfer daily: $3,000. 7-day: ~$10,000. Receive per transfer: $25,000. Cost: free on Preferred/Ultimate; $1.50 each on Basic.

Scotiabank e-Transfer Limits 2026

Limit	Amount	Notes
Daily send limit	$3,000	Resets midnight ET
7-day rolling limit	~$10,000	Rolling window
Maximum per transfer	$3,000	Interac standard
Maximum receive per transfer	$25,000	Interac network max

e-Transfer Cost by Scotiabank Account

Account	e-Transfer Cost
Basic Banking Plan ($3.95/month)	$1.50 per transfer
Preferred Package ($16.95/month)	Free
Ultimate Package ($30.95/month)	Free
Student Banking Advantage ($0/month)	Free

If you’re on the Basic Banking Plan and regularly send e-Transfers, the $1.50-per-transfer cost can add up quickly. Four e-Transfers per month = $6.00/month in transfer fees alone — more than the account fee itself. Consider upgrading to Preferred (where e-Transfers are free) if you send more than 4–5 transfers per month.

Or consider switching to a no-fee bank: Tangerine (Scotiabank’s own subsidiary), Simplii, or EQ Bank all offer free unlimited e-Transfers at $0/month.

How to Send a Scotiabank e-Transfer

Via the Scotiabank Mobile Banking app:

Open the Scotiabank app and log in
Tap Move Money → Send Interac e-Transfer
Select your Scotiabank chequing account
Choose a saved contact or add a new recipient (email or Canadian mobile number)
Enter the amount (max $3,000)
Add a message if needed
If recipient has Autodeposit: done automatically — no security question
If no Autodeposit: set a security question and an answer the recipient knows
Review and tap Send

Via Scotiabank Online Banking: Navigate to Pay & Transfer → Interac e-Transfer → same steps.

Funds are debited immediately. Autodeposit recipients receive funds in minutes. Non-Autodeposit recipients have 30 days to accept before expiry.

Setting Up Scotiabank Autodeposit

Autodeposit makes incoming e-Transfers instant and automatic — no login or manual acceptance required.

How to enable:

In the Scotiabank app → Interac e-Transfer → Settings → Autodeposit
Register your email address or Canadian mobile number
Confirm the verification code
Link to your Scotiabank chequing account

Once active, any e-Transfer to your registered email/phone is automatically deposited and you receive a push notification.

The 7-Day Rolling Limit in Practice

The $10,000 weekly limit is a rolling window, not a fixed calendar-week reset. It looks back 7 calendar days at your outgoing transfers. If you sent $3,000 on Monday, $3,000 on Wednesday, and $3,000 on Friday — three days, $9,000 total — you’d have approximately $1,000 of capacity remaining until Monday’s transfer drops out of the 7-day window.

Sending over $3,000 to one person: Split over two consecutive days — $3,000 on day 1, the remainder on day 2. Or use a Scotiabank wire transfer (domestic fee ~$15–$20) for same-day delivery of larger amounts.

Scotiabank vs. Competitors: e-Transfer Comparison

Bank	Daily Limit	Cost	Free on Which Plan
Scotiabank Basic	$3,000	$1.50/transfer	Preferred and above
Scotiabank Preferred	$3,000	Free	Preferred ($16.95)
BMO Performance	$3,000	Free	All unlimited plans
CIBC Tier 2+	$3,000	Free	Tier 2 ($9.95)
TD Everyday Banking	$3,000	Free	$10.95/month
Tangerine	$3,000	Free	$0/month
Simplii	$3,000	Free	$0/month
EQ Bank	$3,000	Free	$0/month

Scotiabank’s Basic Plan at $1.50/transfer is the only Big 5 account that charges per e-Transfer at its entry level. This is a meaningful cost difference for e-Transfer-heavy users on the Basic plan.

Practical Tips

Upgrade from Basic to Preferred if you send more than 4 e-Transfers per month — the $13/month difference in plan fees is recovered in transfer savings
Enable Autodeposit — removes the friction of accepting every incoming transfer
Set up recurring transfers for regular payees (landlord, utilities) — the Scotiabank app supports scheduled e-Transfers
For first/last month rent ($3,000+): send $3,000 on day 1 and the balance on day 2; notify your landlord to expect two transfers

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy