Desjardins e-Transfer Limit 2026: $5,000/day

Desjardins is the largest federation of credit unions in North America and the dominant financial institution in Quebec. While it is often grouped alongside Canada's Big Five banks, Desjardins is technically a cooperative financial group, not a chartered bank. This distinction matters less for day-to-day banking than you might think -- Desjardins members have full access to Interac e-Transfers (virements Interac), and the institution offers the highest personal per-transaction limit of any major Canadian financial institution at $5,000.

Here is everything you need to know about the Desjardins e-Transfer limit in 2026, fees, how it compares to other Canadian banks, and what to do when a transfer is not going through.

Desjardins e-Transfer limit at a glance

• Per-transaction maximum: $5,000 (tied with ATB for the highest fixed per-transfer limit among major institutions)
• Daily sending limit: $5,000
• Can you increase it? No — the $5,000 ceiling is fixed for personal accounts
• Business accounts: up to $25,000 per day on AccèsD Affaires
• Receiving limit: up to $25,000 per transfer (free to receive)

Desjardins Interac e-Transfer Limits

Desjardins sets a per-transaction limit of $5,000 and a daily sending limit of $5,000, which ties ATB for the highest fixed per-transfer limit among major Canadian financial institutions (Wealthsimple lets eligible clients raise their daily limit much higher). By comparison, most Big Five banks cap personal transfers at $3,000 per transaction.

One important detail that sets Desjardins apart from other institutions: the $5,000 limit is fixed and cannot be increased for personal accounts. At banks like TD or Scotiabank, you can call to request a higher daily limit, but Desjardins does not offer this option. The $5,000 ceiling is the maximum, regardless of your account history or relationship with the institution. (RBC and EQ Bank are similar — their personal limits are also fixed.)

Desjardins does not publicly disclose separate weekly or monthly e-Transfer caps for personal accounts. The daily limit of $5,000 is the primary constraint you will encounter.

Limits shown are defaults for standard accounts and may vary by account type. Dash (—) means the bank does not publish a separate limit for that period. Last verified March 2026.

Limite de virement Interac Desjardins (en français)

Chez Desjardins, un virement Interac est limité à 5 000 $ par virement et 5 000 $ par période de 24 heures dans AccèsD. C'est plus que la limite de 3 000 $ de la plupart des grandes banques. Desjardins ne permet pas d'augmenter cette limite pour un compte personnel.

• Entreprises : jusqu'à 25 000 $ par période de 24 heures avec AccèsD Affaires.
• Réception : jusqu'à 25 000 $ par virement, la limite du réseau Interac.
• Frais : l'envoi est inclus dans les forfaits de transactions Desjardins, jusqu'au nombre de transactions prévu au forfait. La réception est gratuite.
• Annulation : gratuite jusqu'à 23 h 59 (heure de l'Est) le jour de l'envoi, puis 3,50 $.
• Besoin d'envoyer plus ? Répartissez le paiement sur plusieurs jours, ou utilisez un virement bancaire ou un compte d'entreprise.

Desjardins e-Transfer Fees

Sending an e-Transfer at Desjardins counts as a transaction. If you have a transaction plan (Basic, Intermediate, Unlimited, or Unlimited Plus), e-Transfers are included up to your plan's monthly transaction count. Without a plan, or once you go past the count, the regular per-transaction fee applies. Receiving is always free.

Desjardins publishes one network-wide fee schedule for individual members. You can log in to AccèsD, Desjardins' online banking platform, to see which plan you are on.

Receiving e-Transfers is always free at Desjardins, regardless of your account type.

How to Increase Your Desjardins e-Transfer Limit

The short answer is that you cannot increase your personal Interac e-Transfer limit at Desjardins. The $5,000 per-transaction and $5,000 daily caps are fixed for all personal accounts, and Desjardins does not offer exceptions or adjustments regardless of your account standing.

If you need to send more than $5,000, here are your options:

1. Split the payment across multiple days. If you need to send $8,000, you can send $5,000 today and $3,000 tomorrow. This is the simplest workaround for occasional larger payments.
2. Switch to a Desjardins business account. Business accounts on AccèsD Affaires support up to $25,000 per day, which is a fivefold increase over the personal cap. If you are self-employed or run a small business, this is the most practical long-term solution.
3. Use an alternative payment method. For very large payments, consider a wire transfer or bank draft through Desjardins. These carry higher fees but have no practical upper limit for most personal needs.

You can manage your account settings and view your current limits by logging in to AccesD online or through the Desjardins mobile app.

Desjardins Interac e-Transfer Not Working

If your Desjardins e-Transfer is failing or stuck, here are the most common causes and how to resolve them:

• You have hit the $5,000 daily limit. Since Desjardins does not allow limit increases, you will need to wait until the next day to send more. Check your remaining daily capacity in AccesD.
• Incorrect recipient details. A typo in the recipient's email address or phone number will prevent the transfer from being delivered. Double-check and resend if necessary.
• Autodeposit routing conflict. If the recipient has Autodeposit registered with a different email or at another financial institution, the transfer may not arrive where expected. Confirm their Autodeposit registration before sending.
• AccesD session issues. If AccesD is displaying errors or timing out, try clearing your browser cache or switching to the Desjardins mobile app. Desjardins occasionally performs maintenance on AccesD that can temporarily disrupt e-Transfer functionality.
• Interac system maintenance. Interac periodically performs scheduled maintenance that affects all financial institutions. Check interac.ca for current service status.
• Account restrictions. New accounts or accounts flagged for unusual activity may have temporary e-Transfer restrictions. Call Desjardins at 1-800-224-7737 to check.

How Long Does a Desjardins e-Transfer Take?

With Autodeposit enabled on the receiving end, Desjardins e-Transfers typically arrive within minutes. Without Autodeposit, the recipient must answer a security question to accept the funds, and the transfer remains pending until they do.

Unclaimed transfers remain available for up to 30 days before they expire and the funds are returned to your account. If a transfer has been pending for more than a few hours with no error notification, contact Desjardins at 1-800-224-7737 for assistance.

How to Cancel a Desjardins e-Transfer

You can cancel a pending Interac e-Transfer as long as the recipient has not yet deposited the funds. Cancelling is free until 11:59 p.m. ET on the day you sent it; after that, Desjardins charges $3.50 (no fee if the transfer expired or the recipient declined it):

1. Log in to AccesD (Desjardins online banking) or the Desjardins mobile app.
2. Navigate to Transfers and find the pending e-Transfer.
3. Select Cancel to stop the transfer.

If the recipient has Autodeposit enabled, the money is deposited immediately and cannot be cancelled. You will need to contact the recipient directly and ask them to send the funds back. Always be cautious of e-Transfer scams that pressure you into sending money under false pretenses -- once an Autodeposit transfer goes through, it is effectively irreversible.

Desjardins Business e-Transfer Limits

Desjardins business accounts on AccèsD Affaires offer significantly higher e-Transfer limits than personal accounts, with a daily sending cap of up to $25,000. For self-employed professionals, freelancers, and micro-business owners who regularly process payments above $5,000, a business account is the only way to increase your Desjardins e-Transfer capacity.

How Desjardins Compares to Other Banks

Desjardins' $5,000 per-transaction limit ties ATB for the highest fixed personal limit among major Canadian financial institutions, giving it a clear advantage for anyone who needs to send larger payments without upgrading to a business plan. The trade-off is that this limit is fixed and cannot be increased, whereas banks like RBC, TD, and CIBC allow you to request higher caps. For even higher monthly throughput, ATB Financial offers a $150,000 monthly cap, and EQ Bank matches Desjardins' $5,000 per-transaction limit with no monthly fees — plus Wealthsimple lets you adjust the daily slider up to $25,000 directly in the app. For a side-by-side fee breakdown, see our Interac e-Transfer fees comparison. Here is how Desjardins stacks up across the board:

Limits shown are defaults for standard personal accounts. See our complete bank comparison for full details. Last verified March 2026.

Frequently Asked Questions

What is the Desjardins Interac e-Transfer limit?

Desjardins allows $5,000 per transfer per 24-hour period on AccèsD, above the $3,000 cap at most Big Five banks. Business accounts on AccèsD Affaires can send up to $25,000 per 24-hour period. Desjardins does not allow personal limit increases.

Does Desjardins charge for e-Transfers?

Sending is included in Desjardins transaction plans (Basic, Intermediate, Unlimited, Unlimited Plus) up to the plan's transaction count. Without a plan, or beyond the count, the regular per-transaction fee applies. Receiving is always free. Call 1-800-224-7737 for your account's details.

Can I increase my Desjardins e-Transfer limit?

No. Desjardins does not allow personal e-Transfer limit increases beyond the $5,000 default. Business accounts on AccèsD Affaires can send up to $25,000 per day.

How long does a Desjardins e-Transfer take?

With Autodeposit, transfers arrive within minutes. Standard transfers are typically available within 30 minutes.

Can I cancel a Desjardins e-Transfer?

Yes, cancel through Desjardins Online (AccèsD) or the mobile app before the recipient deposits. It's free until 11:59 p.m. ET on the day you sent it, and $3.50 after that.

What is the Desjardins business e-Transfer limit?

Desjardins business accounts on AccèsD Affaires can send up to $25,000 per 24-hour period via Interac e-Transfer.