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Learn how to send an INTERAC e-Transfer® to anyone, anytime in mobile banking

Use the Meridian Mobile Banking app to send INTERAC e-Transfers, safely and easily. Learn how to send money to anyone, anytime. In this guide, we’ll take you through the process, step by step. Review the steps below or download the guide as a PDF (1.45 MB).

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Step 1: Go to the INTERAC e-Transfer® page

Once you have signed in to the mobile app, tap the menu button at the top and select INTERAC e-Transfer from the menu.

Tip: You can also navigate to the INTERAC e-Transfer page using the blue tabs at the top of the main home screen. Scroll over the tab menu until you see the ‘e-Transfer’ tab.



Step 2: Tap the Manage tab

In order to send money to, or request money from, someone, you first need to add them as a contact in the app. To do this, tap the ‘Manage’ tab at the top.

Under ‘What would you like to edit?’, select ‘My Contacts’.

Next, tap the ‘Add’ button.



Step 3: Add a contact from your phone

There are two ways to add contacts. You can add them from the contacts already in your phone, or you can add them manually.

To add a contact from your phone, tap the ‘From Your Phone’s Contacts’ button.

Tip: You may receive a pop-up message indicating that Meridian would like access to your contacts. If you receive this message, tap ‘OK’.

In the search bar, type in the name of the contact you want to add. A list of results will auto-populate as you search. Tap on the name of the contact you want to add.

The contact’s phone number and/or email address saved in your phone will auto-populate.

Tap the ‘Confirm’ button to add your new e-transfer contact.



Step 4: Add a contact manually

You can also add a contact manually. First, add the person’s name, then add their email address and/or phone number.

Next, select how your contact will be notified of the e-transfers you send them–either by email, mobile phone, or both–using the drop down menu under ‘Send Notices By’.

You now have the option to set a Security Question and Answer that will be used when sending e-transfers to this specific contact. In the ‘Security Question’ field, type any question you would like, then type the answer in the ‘Security Answer’ field and again in the ‘Confirm Security Answer’ field.

When you’re done, tap the ‘Add’ button to add your new contact.



Step 5: Manage contacts

Your contact has now been added and will appear under the e-transfer ‘Manage’ tab when ‘My Contacts’ is selected.

At any time, you can edit a contact’s information or security question by clicking the edit icon, or remove them from your e-transfer contacts by clicking the delete icon.



Step 6: Send an e-transfer

Within the INTERAC e-Transfer page, tap the ‘New’ tab at the top of the screen.

Under ‘What would you like to do?’, select ‘Send Money’ to send an e-transfer.

In the ‘To’ field, use the ‘Select Recipient’ drop down list to choose the person that you want to send money to.

In the ‘From’ field, use the ‘Select Account’ drop down list to select which Meridian account the funds will be coming from.

Under ‘Amount ($)’, type in the amount of money you want to send.

Under the ‘Security Question’ field, if you had entered a security question and answer when you originally added this contact, the Security Question field will auto-populate.

If you hadn’t set up a security question and answer for this contact, you can set them up here for this e-transfer only.

Tip: If the person you’re sending money to has auto-deposit set up, they won’t need to answer the security question to have the funds deposited. Learn more about autodeposit in Step 11.

Finally, you have the option to attach a message–for example, a description of what the e-transfer payment is for–to this e-transfer for your recipient. Type your message in the ‘Add a Message’ field.

Tap the ‘Continue’ button.



Step 7: Review and confirm your e-transfer

Review the e-transfer information before confirming and sending.

Depending on the type of account you have, the INTERAC e-transfer may have a fee associated with it. If there is a fee, it will be shown here.

You can edit any of the details of the e-transfer by tapping the ‘Edit’ button. If all the information appears correct, tap the ‘Continue’ button to send this e-transfer.

Your e-transfer has been sent. To send another e-transfer, tap the ‘Send Another Transfer’ button at the bottom of the screen.



Step 8: Request an e-transfer

In addition to sending money, you can also request money from one of your contacts by selecting the ‘Request Money’ option on the INTERAC e-Transfer page.

Under ‘Requested By’, your registered Meridian account name will auto-populate.

In the ‘Request From’ field, use the ‘Select Contact’ drop down list to choose the contact you want to request money from.

In the ‘Deposit To’ field, use the ‘Select an Account’ drop down list to select which Meridian account you want the funds deposited into.

Under ‘Amount ($)’, type in the amount of money you want to request.

You have the option to attach a message–for example, a description of what the e-transfer request is for–to this e-transfer request for your recipient. Type your message in the field under ‘Message’.

When you’re done, tap ‘Continue’.

On the next screen, you can review the information you’ve submitted, and edit it or cancel if you wish. If all the information is correct, tap the 'Continue’ button to send your e-transfer request.



Step 9: Track and cancel e-transfers

Within the INTERAC e-Transfer page, tap the ‘History’ tab at the top of the screen to view the last three e-transfers you’ve sent, received, and requested.

In each section, you can tap the ‘View All’ button to see your entire history of e-transfers.

Select one of the e-transfers to view more details about it.

You can now see the details of the selected e-transfer, including its status. To cancel the request, tap the ‘Cancel’ button, then tap ‘Confirm’ to confirm the cancellation.

The e-transfer has been cancelled. It will still remain in your history tab, but with the Status set to Cancelled.



Step 10: Edit your sender profile

Your sender profile allows you to see your personal e-transfer settings. Navigate to your sender profile by tapping the ‘Manage’ tab at the top.

Under ‘What would you like to edit?’, select the ‘Sender Profile’ option.

Here, you can see your personal information, including how you will receive e-transfer notices (by email or by mobile phone). You can edit this information at any time by tapping the ‘Edit’ button.



Step 11: Set up autodeposit and view limits

On your sender profile screen, scroll down to ‘My Autodeposit’.

With autodeposit, e-transfer funds can be deposited into your account automatically, without the need for a security question.

Scroll down further to see your daily, weekly, and monthly e-transfer sending limits. Further down, you can see your daily, weekly, and monthly receiving limits, as well as your requesting limits.


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