RBC is Canada's largest bank by market capitalization, and millions of Canadians use it to send and receive Interac e-Transfers every day. But RBC structures its e-Transfer limits differently from most banks, which can catch you off guard if you are not aware of how it works.
Here is everything you need to know about RBC Interac e-Transfer limits, fees, and how to send more when you need to.
In this guide
RBC Interac e-Transfer Limits
RBC categorizes e-Transfers under "Third Party Payments", which is a separate daily limit category from your debit card (Point of Sale) purchases. This distinction matters because changing your debit card limit will not affect your e-Transfer limit, and vice versa.
The standard per-transaction limit is $3,000, but RBC states that all clients can send up to $10,000 per day through the RBC Mobile app after verifying their identity. RBC does not publish separate weekly or monthly caps for personal accounts.
| Limit Type | Personal | Business |
|---|---|---|
| Per Transfer | $3,000 | $25,000 |
| Daily | $10,000 | $25,000 |
| Weekly (7 days) | — | — |
| Monthly (30 days) | — | — |
| Receiving (per transfer) | $25,000 | |
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.
RBC e-Transfer Fees
E-Transfers are free with most RBC chequing accounts, including the Day to Day Banking, No Limit Banking, Signature No Limit Banking, and VIP Banking accounts. If you are using an RBC savings account, you may be charged $1.00 per transfer. By comparison, Tangerine offers free e-Transfers on all accounts with no exceptions.
Receiving e-Transfers is always free at RBC, regardless of your account type.
Tip for small business owners
If you get paid by e-Transfer, enable Autodeposit so payments go straight into your account. This eliminates the risk of transfers expiring and means you do not need to answer a security question for each payment.
How to Increase Your RBC e-Transfer Limit
Unlike some banks that let you adjust limits online -- Wealthsimple, for example, lets you change limits directly in-app -- RBC requires you to call an advisor to change your Third Party Payments limit. Here is how:
- Call RBC at 1-800-769-2555. Ask to change your "Third Party Payments" daily limit. The advisor can raise it on the spot.
- Use the RBC Mobile app for $10,000/day. All RBC clients can send up to $10,000 per day through the mobile app after identity verification, without needing to call.
- Upgrade to a business account. RBC business accounts support up to $25,000 per transaction, which is the most effective long-term solution if you regularly send large payments.
Note that you cannot change your e-Transfer limit through RBC Online Banking. The online settings only let you adjust ATM and in-store purchase limits, not e-Transfer limits.
RBC Interac e-Transfer Not Working
If your RBC e-Transfer is not going through, here are the most common causes and fixes:
- You have hit your daily limit. RBC's "Third Party Payments" limit is separate from your debit card limit. Check your remaining limit in the RBC Mobile app or Online Banking.
- The recipient's email or phone is wrong. Double-check the recipient's contact details. Even a small typo will prevent delivery.
- Autodeposit conflict. If the recipient has Autodeposit enabled with a different bank, the transfer will go to that bank regardless of the security question.
- System maintenance. Interac occasionally performs maintenance. Check interac.ca for service status.
- Account restrictions. New accounts or recently flagged accounts may have temporary e-Transfer restrictions. Call RBC at 1-800-769-2555 to resolve.
- Suspicious or fraudulent transfer. If something looks off about an incoming e-Transfer, do not accept it. Read our guide on how to spot fake e-Transfer scams.
How Long Does an RBC e-Transfer Take?
With Autodeposit enabled on the receiving end, RBC e-Transfers typically arrive within minutes. Without Autodeposit, the recipient needs to answer a security question, and the transfer is available for 30 minutes to 30 days depending on your settings.
In rare cases, transfers may be delayed for fraud review. If your transfer has been pending for more than a few hours, contact RBC at 1-800-769-2555.
Stay on top of your e-Transfer income
Biller.ca parses your Interac e-Transfer notification emails and helps you track income, clients, and generate receipts. Built for Canadian small businesses.
Get Started FreeHow to Cancel an RBC e-Transfer
You can cancel a pending e-Transfer as long as the recipient has not yet deposited the funds:
- Log in to RBC Online Banking or the RBC Mobile app.
- Navigate to Transfers and find the pending e-Transfer.
- Select Cancel.
If the recipient has Autodeposit enabled, the transfer is deposited automatically and cannot be cancelled. In that case, you will need to contact the recipient directly to request a return.
RBC Business e-Transfer Limits
RBC business accounts can send up to $25,000 per transaction with higher daily limits than personal accounts. If you are self-employed, a freelancer, or running a micro-business that regularly processes payments over $3,000, a business account is worth considering.
How RBC Compares to Other Banks
RBC's $10,000 daily limit (via mobile) is higher than most Big Five banks -- TD caps daily sending at $3,000, and Scotiabank at $3,000 as well -- but its per-transaction cap of $3,000 is standard. Here is how RBC stacks up against every major Canadian bank:
| Bank | Per Transfer | Daily | Monthly | Fee |
|---|---|---|---|---|
| RBC (this page) | $3,000 | $10,000 | — | Free |
| TD | $3,000 | $3,000 | $20,000 | Free |
| Scotiabank | $3,000 | $3,000 | — | $1.00 |
| BMO | $3,000 | $3,000 | $20,000 | Free |
| CIBC | $3,000 | $3,000 | $30,000 | $1.50 |
| Tangerine | $3,000 | $3,000 | $20,000 | Free |
| Simplii Financial | $3,000 | $3,000 | $30,000 | Free |
| EQ Bank | $5,000 | $5,000 | $50,000 | Free |
| Wealthsimple | $5,000 | $5,000 | $30,000 | Free |
| National Bank | $4,000 | $4,000 | — | $1.25 |
| Desjardins | $5,000 | $5,000 | — | Varies |
| ATB Financial | $5,000 | $5,000 | $150,000 | Free |
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 RBC Interac e-Transfer limit?
RBC sets a default per-transaction limit of $3,000. All clients can send up to $10,000 per day through the RBC Mobile app after verifying their identity. RBC categorizes e-Transfers under 'Third Party Payments,' which is a separate limit from debit card purchases.
Are RBC e-Transfers free?
Yes, e-Transfers are free with most RBC chequing accounts. Savings accounts may incur a $1.00 fee per transfer.
How do I increase my RBC e-Transfer limit?
Call an RBC Advisor at 1-800-769-2555 to change your Third Party Payments limit. You cannot adjust e-Transfer limits through Online Banking or the mobile app.
How long does an RBC e-Transfer take?
With Autodeposit enabled, funds arrive within minutes. Standard transfers with a security question are available to the recipient for 30 minutes to 30 days, depending on settings.
Can I cancel an RBC e-Transfer?
Yes, as long as the recipient has not yet deposited the funds. Log in to RBC Online Banking or the RBC Mobile app, find the pending transfer, and select Cancel.
What is the RBC business e-Transfer limit?
RBC business accounts can send up to $25,000 per transaction with higher daily limits. Contact your RBC business advisor for your specific limits.
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The information on this page is for general informational purposes only and does not constitute financial, legal, or tax advice. While we strive to keep this content accurate and up to date, we make no guarantees about its completeness or reliability. Always consult your bank, a qualified professional, or the relevant authority for advice specific to your situation. Last updated March 2026.