What is TD's daily Interac e-Transfer limit?

TD Bank's standard daily Interac e-Transfer sending limit is $3,000 for personal accounts. The 7-day rolling limit is $10,000. These are Interac network standard limits shared by all major Canadian banks. If you need to send more than $3,000 in a single day, consider using a wire transfer instead — TD charges $15–$25 for domestic wires.

How do I send an e-Transfer from TD?

Log into TD EasyWeb or open the TD app. Navigate to 'Send Money' or 'Interac e-Transfer'. Select the account to send from, choose or add the recipient's email address or mobile number, enter the amount and an optional security question, and confirm. The recipient gets an email/text notification and can deposit the funds through their own bank's online banking.

Does TD charge for Interac e-Transfers?

On TD Everyday Chequing, sending an Interac e-Transfer counts as one of your 25 monthly transactions. There is no additional e-Transfer fee. On the TD All-Inclusive Banking Plan, Interac e-Transfers are completely free and unlimited. Receiving an e-Transfer is always free at TD.

What is TD's e-Transfer receiving limit?

TD personal accounts can receive individual Interac e-Transfers up to $25,000 per transaction. This is the Interac network maximum for receiving transfers. There is typically no limit to how much you can receive in total per day, though your bank may flag large incoming transfers for review.

How do I set up Interac Autodeposit on TD?

Log into TD EasyWeb or the TD app. Go to Interac e-Transfer settings and select 'Autodeposit'. Register your email address or mobile phone number. Once active, any e-Transfer sent to that address deposits automatically into your chosen TD account — no security question required. This is the most secure way to receive e-Transfers.

TD e-Transfer Limit 2026 — Daily and Monthly Interac Limits Explained

TD Bank’s Interac e-Transfer daily sending limit is $3,000 for personal accounts. The 7-day rolling limit is $10,000. Sending an e-Transfer on TD Everyday Chequing counts as one of your monthly transactions; it is unlimited on the All-Inclusive plan. You can receive up to $25,000 per transfer.

Quick answer: TD e-Transfer daily limit: $3,000. 7-day limit: $10,000. Receive limit: $25,000/transfer. Cost: free on All-Inclusive; counts as 1 transaction on Everyday plan. Security: use Autodeposit to eliminate security questions.

TD e-Transfer Limits 2026

Limit Type	Standard Personal	Notes
Daily send limit	$3,000	Resets at midnight ET
7-day rolling limit	$10,000	Rolling 7-day window
30-day limit	~$20,000	Verify in EasyWeb
Single transfer maximum	$3,000	Equal to daily limit
Receive per transfer	$25,000	Interac network maximum
Autodeposit limit	Same as receive	No change with Autodeposit

How e-Transfers Work at TD

Interac e-Transfer is Canada’s near-real-time electronic payment network operated by Interac Corp. When you send an e-Transfer from TD:

TD debits your account immediately
Interac notifies the recipient by email or text
The recipient logs into their bank’s online banking and accepts the transfer
The recipient’s bank credits their account — typically within minutes

With Autodeposit enabled, step 3 is automatic — funds deposit without any action by the recipient.

How to Send a TD e-Transfer

Via TD EasyWeb (desktop):

Log in at easyweb.td.com
Click Transfers → Send Interac e-Transfer
Select the account to send from
Choose an existing contact or add a new one (email or mobile)
Enter the amount (up to $3,000)
Add a message (optional) and a security question (required if recipient doesn’t have Autodeposit)
Review and confirm

Via TD app (mobile):

Open the TD app and log in
Tap Move Money → Interac e-Transfer
Select Send
Follow the same steps as above

Transfers can be scheduled for future dates or set up as recurring transfers.

TD e-Transfer Security

Security question: When sending to a recipient without Autodeposit, you create a security question and answer that the recipient must answer correctly to claim the money. Do not send the answer in the same message/email as the transfer notification.

Autodeposit (recommended): With Autodeposit, the recipient’s bank automatically deposits funds without requiring a security question. This eliminates the risk of the security answer being intercepted. Anyone can set up Autodeposit in their bank’s online banking — both sender and recipient using Autodeposit provides the strongest security.

Expiry: Unclaimed e-Transfers expire after 30 days and are automatically returned to the sender’s account.

How to Request a Higher TD e-Transfer Limit

If the standard $3,000/day limit is insufficient:

Call TD: 1-866-222-3456 (24/7)
Visit a TD branch and speak with a banking advisor
Send a request through TD EasyWeb secure messaging

Higher limits are not guaranteed and are reviewed on a case-by-case basis. For routine large payments, a wire transfer ($15–$25 domestic fee) is more practical than requesting a permanent limit increase.

TD e-Transfer vs Wire Transfer vs Bill Payment

Feature	e-Transfer	Wire Transfer	Bill Payment
Daily limit	$3,000	~$25,000	Varies
Cost	Free/transaction	$15–$25	Free/transaction
Speed	Minutes	Same day	1–2 business days
Cross-bank	Yes	Yes	Payee must be registered
International	No	Yes	No
Best for	Under $3,000	Over $3,000, urgent	Bills and recurring

Big 5 e-Transfer Limit Comparison

Bank	Daily Limit	7-Day Limit	Receive Limit
TD	$3,000	$10,000	$25,000
RBC	$3,000	~$10,000	$25,000
Scotiabank	$3,000	~$10,000	$25,000
CIBC	$3,000	~$10,000	$25,000
BMO	$3,000	~$10,000	$25,000

All Big 5 banks operate on the Interac network, which sets the standard limits. There is effectively no difference in e-Transfer limits between TD, RBC, Scotiabank, CIBC, and BMO for personal accounts.

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