Zum Rails – Interac e-Transfer “Request Money” Limits Guide
This document outlines the Interac Request Money limits for personal banking accounts across major Canadian banks. Below we provide a summary of per-transaction (single request) limits, daily limits, and longer-term limits (weekly/monthly) for each bank. Clients should use this information to configure their applications (e.g. setting maximum request amounts, handling errors) in compliance with each bank’s policies. All data applies to personal accounts (not business accounts) and reflects publicly available information as of the latest updates.
Summary of Interac Request Money Limits by Bank (Personal Accounts)
|
Bank |
Max per Request |
Daily Limit |
7-Day Limit |
30-Day Limit |
|
RBC (Royal Bank) |
$10,000 per request |
Tied to client card daily limit (often $2,500–$10,000) |
N/A (No fixed 7-day) |
N/A (No fixed 30-day) |
|
TD (TD Canada Trust) |
$3,000 per request |
$3,000 per 24 hours |
$10,000 per 7 days |
$20,000 per 30 days |
|
Scotiabank |
Varies by account (often ~$3,000) |
Varies by account |
Varies by account |
Varies by account |
|
BMO (Bank of Montreal) |
$2,500–$3,000 per request (depending on acct) |
$2,500–$3,000 per 24 hours |
$10,000 per 7 days |
$20,000 per 30 days |
|
CIBC (Imperial Bank) |
$10,000 per request |
$3,000 per 24 hours |
$10,000 per 7 days |
$30,000 per 30 days |
|
National Bank |
$4,000 per request |
$4,000 per 24 hours |
$14,000 per 7 days |
No set 30-day limit |
|
Desjardins |
$5,000 per request |
$5,000 per 24 hours |
N/A (no weekly limit) |
N/A (no monthly limit) |
|
Simplii Financial |
$10,000 per request |
$3,000 per 24 hours |
$10,000 per 7 days |
$30,000 per 30 days |
|
Tangerine |
~$3,000 per request (send) |
$3,000 per 24 hours |
$10,000 per 7 days |
$20,000 per 30 days |
Integration Guidelines for Zūm Rails Clients
When integrating the Interac Request Money feature via the Zūm Rails API, it’s important to enforce the above limits on your end to prevent transactions that would be rejected by the banks. Here are some key guidelines:
- If you want to be extra-safe: we recommend setting a CAD 3.000 limit per transaction
- If not: we recommend setting a CAD 10.000 limit per transaction
In case a CAD 10.000 request money is created but the end user has a lower limit with their bank, let's say CAD 2.000. The end user won't be able to complete the transaction and the transaction will expire.