How to cancel an Interac e-Transfer.

You can cancel an Interac e-Transfer at any time before the recipient deposits it. Once funds are deposited — or once Autodeposit has settled the transfer instantly — cancelling is no longer an option.

The general steps

1. Log in to your bank's mobile app or online banking.
2. Open the Interac e-Transfer section (sometimes under Transfers).
3. Find the pending transfer in your e-Transfer history.
4. Select Cancel on that transfer.
5. Confirm. The funds return to your account, usually within minutes.

Cancelling a pending transfer yourself is free at the major banks. A small reclaim or return fee (often around $5) only comes into play if the transfer is never collected, expires after 30 days, and is returned to you automatically — not when you cancel it before the recipient deposits.

By bank

• RBC — RBC Mobile or Online Banking → Transfers → pending → Cancel.
• TD — EasyWeb or TD app → Interac e-Transfer history → Cancel.
• Scotiabank — Scotia mobile app or online → Interac e-Transfer → cancel pending.
• BMO — BMO app or online → Interac e-Transfer → pending → Cancel.
• CIBC — CIBC app or online → Interac e-Transfer → pending → Cancel.

If Autodeposit already settled the transfer

Autodeposit deposits funds within seconds, so the window to cancel is essentially zero. If the transfer has already settled:

1. Contact the recipient and ask them to send the money back.
2. If the recipient is unresponsive or refuses, see our guide for sending an e-Transfer to the wrong person.
3. If you suspect fraud, call your bank's fraud line immediately.

If the cancellation fails

The most common reason a cancellation fails is that the recipient deposited the funds in the seconds between you opening the app and tapping Cancel. The second most common: the transfer was already deposited via Autodeposit. In either case, the only path forward is to contact the recipient.

Related guides

• Can an e-Transfer be reversed after it's deposited?
• Sent an e-Transfer to the wrong person?
• Why is my e-Transfer pending?
• Got scammed by an e-Transfer?