What is Tangerine's Interac e-Transfer limit?

Tangerine allows customers to send up to $3,000 per day via Interac e-Transfer. The 7-day rolling limit is approximately $10,000. You can receive up to $25,000 per e-Transfer. All Interac e-Transfers at Tangerine are free — there is no per-transfer fee for sending or receiving.

Are Interac e-Transfers free at Tangerine?

Yes. Tangerine offers free Interac e-Transfers with no per-transaction fee. This applies to both sending and receiving. Free e-Transfers are part of Tangerine's No-Fee Chequing Account with unlimited transactions. This differs from basic Big 5 bank plans that may charge $1.00–$1.50 per e-Transfer.

Can I increase my Tangerine e-Transfer limit?

Tangerine's standard daily e-Transfer send limit is $3,000. You can contact Tangerine at 1-888-826-4374 to request a higher limit. For amounts above $3,000, you can also use Tangerine's bank-to-bank transfer feature, which allows electronic transfers to/from external bank accounts with higher limits (typically 1–3 business day delivery).

How long does a Tangerine e-Transfer take to arrive?

Interac e-Transfers sent from Tangerine typically arrive within minutes for recipients with Autodeposit enabled. Without Autodeposit, the recipient must accept the transfer using the security question answer, which may add time. Transfers expire after 30 days if not accepted. Notification is sent immediately upon sending.

Does Tangerine support Interac e-Transfer Autodeposit?

Yes. Tangerine supports Interac e-Transfer Autodeposit for incoming transfers. You can set up Autodeposit through the Tangerine app or website by linking your email address. With Autodeposit enabled, incoming transfers are deposited directly without requiring a security question response.

Tangerine e-Transfer Limit 2026 — Daily Send Limits and Free Transfers

Tangerine’s Interac e-Transfer daily send limit is $3,000. The 7-day rolling limit is approximately $10,000. All e-Transfers are free and unlimited on the No-Fee Chequing Account. You can receive up to $25,000 per transfer. Autodeposit is fully supported.

Quick answer: Tangerine e-Transfer daily: $3,000. 7-day: ~$10,000. Receive: $25,000/transfer. Cost: $0.

Tangerine 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	$25,000	Per transfer
Cost	$0	Unlimited — no transaction count

How the Daily and 7-Day Limits Work

The $3,000 daily limit resets at midnight Eastern Time each calendar day. The 7-day rolling limit looks backwards at the past seven days of outgoing transfers — it’s not a calendar-week reset but a sliding window.

Example: If you send $3,000 on Monday, $3,000 on Tuesday, and $3,000 on Wednesday, your 7-day rolling total is $9,000 — close to the $10,000 rolling cap. On Thursday, you’d be limited to approximately $1,000 until Monday’s $3,000 drops out of the rolling window.

For large payments over $3,000 (first/last month rent deposits, large private purchases):

Split over consecutive days — $3,000 today, $3,000 tomorrow
Request an EFT bank-to-bank transfer via Tangerine’s external transfer tool — takes 1–3 business days but handles larger amounts
Note: Tangerine does not offer outgoing domestic or international wire transfers from personal accounts

How to Send a Tangerine e-Transfer

Via the Tangerine app:

Open the Tangerine app and log in
Tap Move Money → Send Money via Interac e-Transfer
Select your No-Fee Chequing Account as the source
Choose an existing contact or tap Add New Contact (email or Canadian mobile)
Enter the amount (max $3,000)
Add a message (optional but useful for rent or shared expenses)
If recipient has Autodeposit: done — no security question needed
If no Autodeposit: set a security question and answer the recipient will know
Review and tap Send

The transfer debits your account immediately. Autodeposit recipients typically receive funds within minutes. Non-Autodeposit recipients must accept within 30 days before the transfer expires and is returned.

Via Tangerine online banking (tangerine.ca): The same process applies — navigate to Transfers → Send Interac e-Transfer.

Setting Up Autodeposit at Tangerine

Autodeposit eliminates the security question step for incoming e-Transfers, making deposits instant and automatic.

How to enable:

Open the Tangerine app → Settings → Interac e-Transfer → Autodeposit
Register your email address or Canadian mobile number
Confirm via the verification code sent to that contact
Choose which Tangerine account receives Autodeposit funds

Once active, anyone sending an e-Transfer to your registered contact delivers funds directly to your account — no action required from you.

Tangerine vs. Scotiabank vs. Other No-Fee Banks

Bank	Daily Send	Cost	Free?
Tangerine	$3,000	$0	Yes — unlimited
EQ Bank	$3,000	$0	Yes — unlimited
Simplii	$3,000	$0	Yes — unlimited
Scotiabank Basic	$3,000	$1.50 each	No
Scotiabank Preferred	$3,000	Free	Yes (with plan)

Tangerine’s advantage over Scotiabank’s basic plans is clear: free unlimited e-Transfers vs. $1.50 per transfer at the Basic Banking Plan level. A family sending 20 e-Transfers per month at Scotiabank Basic would pay $30/month in transfer fees alone.

Practical Uses for Tangerine e-Transfers

Rent: Set up a recurring e-Transfer to your landlord’s email on the 1st of each month. If your landlord uses Autodeposit, it arrives instantly — no cheques, no delays.

Shared expenses: Use apps like Splitwise to track shared costs, then pay your share via Tangerine e-Transfer. Free and instant.

Freelance income: Register your email for Autodeposit so clients can pay you immediately without needing to contact you for payment details or security answers.

Sending money to family: No fee, no daily limit for receiving — the recipient just needs an email address and a Canadian bank account.

Tips

Enable Autodeposit for your email — removes the friction of accepting every incoming transfer
For rent over $3,000: split into two transfers over two days and notify your landlord
Set recurring transfers in the app for regular payees — saves time each month
Keep your security question answer simple for one-time contacts who may not expect it
Check the 7-day rolling limit before sending a large amount if you’ve been active recently

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