How to cancel an Interac e-Transfer.

At most banks you can cancel an Interac e-Transfer at any time before the recipient deposits it. CIBC only lets you stop a transfer on the day you sent 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.

Whether cancelling costs anything depends on your bank. RBC, TD, and Scotiabank don't charge to cancel a pending transfer. BMO charges $5.00 unless you cancel the same day; CIBC, Simplii and National Bank charge $3.50; ATB charges $3.00; Desjardins charges $3.50 after 11:59 p.m. ET on the day you sent it.

If you don't cancel and the recipient never collects, the transfer expires after 30 days. What happens next also varies: CIBC puts the money back automatically, Scotiabank emails you to deposit it back, and RBC gives you 15 days to reclaim it for free before returning it and charging a $5.00 fee.

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 (free same day, then $5.00).
• CIBC — CIBC app or online → Interac e-Transfer → pending → Stop, same day only ($3.50).

If Autodeposit already settled the transfer

Autodeposit deposits funds almost instantly, so the window to cancel is essentially zero. (Some apps, such as Wealthsimple's, show a brief Undo countdown right after you send.) 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?