Interac e-Transfer sending limits, bank by bank — verified July 2026
Every figure below is the bank’s standard personal-account sending limit in Canadian dollars, checked against bank documentation and current comparison data. Limits are account-specific and change — treat this as the baseline and confirm yours in your banking app before planning a larger deposit. The 24-hour window is rolling: send C$3,000 at 2pm and the room doesn’t free up at midnight, it frees up at 2pm tomorrow.
| Bank | Per transfer | Daily (24h) | Weekly / monthly | Limit increase? |
|---|---|---|---|---|
| TD | C$3,000 | C$3,000 | — | Yes — phone or branch |
| BMO | C$3,000 | C$3,000 | — | Yes — phone or branch |
| CIBC | C$3,000 | C$3,000 | — | Yes — phone or branch |
| Scotiabank | up to C$4,000 | C$4,000 | — | Yes — manageable in digital banking |
| RBC | C$3,000 | up to C$10,000 via the RBC app after identity verification | — | No — cap is fixed |
| Tangerine | C$3,000 | C$3,000 | C$10,000 / 7d · C$20,000 / 30d | No — cap is fixed |
| Simplii | C$3,000 | C$3,000 | C$10,000 / 7d · C$30,000 / 30d | No — cap is fixed |
| Desjardins | C$5,000 | C$5,000 | — | No — cap is fixed |
| ATB | ~C$5,000* | ~C$5,000* | ~C$35,000 / week* | Yes — phone |
*ATB doesn't publish personal limits; these are the commonly cited figures — confirm in-app. All limits verified against bank documentation and current comparison data at the time of writing; your account tier may differ.
Two patterns worth noticing. Desjardins is the highest fixed everyday sender at C$5,000 — relevant if you bank in Quebec. And RBC’s app-verified C$10,000 daily ceiling is the largest mainstream allowance, but it’s per-day, not per-transfer — you’ll still send it in C$3,000 pieces.
Your bank’s limit caps deposits — not withdrawals
Interac e-Transfer limits are asymmetric, and almost every guide gets this wrong. The sending limit — the C$3,000-per-day figure in the table above — applies when money leaves your account, i.e. when you deposit. The receiving limit applies when a casino pays you, and it’s dramatically higher: up to C$25,000 per incoming transfer at most banks, with many publishing no daily receiving cap at all.
The practical consequences:
- Depositing: your bank sets the ceiling. C$3,000–C$5,000 per rolling 24 hours at most institutions (the table above).
- Withdrawing: your bank almost never gets in the way. The binding constraints are the casino’s own cashout limits (per day / per week) and its verification queue — which is why two casinos on the same Interac rail can pay out at completely different speeds.
If you’re comparing casinos on payout terms, that second point is the one to dig into — the rail is the same everywhere; the operator behind it isn’t.
Which banks will raise the limit
If your bank is in the “yes” column — TD, Scotiabank, CIBC, BMO, ATB — a phone call or branch visit can lift a personal sending limit, usually after a short review. RBC, Tangerine, Simplii and Desjardins treat their caps as fixed: no exceptions process exists, and the only workaround is splitting a larger deposit across the rolling window. If you regularly need more headroom than your bank allows, that’s a reason to reconsider the bank, not to chase workarounds.
Withdrawals: the receive side is rarely the problem
When a casino pays you by Interac, you’re on the receiving side — up to C$25,000 per transfer at most banks, no approval needed from you beyond accepting the deposit (or nothing at all, if you’ve enabled Autodeposit, which also removes the security-question step and shaves the last delay off the process).
So what actually determines how fast and how much you can withdraw?
- The casino’s cashout limits. Per-day and per-week caps in the operator’s terms — this varies enormously between operators and is the single most useful number to check before you deposit, not after you win.
- The verification queue. Identity documents on first withdrawal, and source-of-funds checks at larger amounts. This — not the payment rail — is where withdrawal time is genuinely decided. A casino that verifies you before your first cashout will feel dramatically faster than one that starts checking documents after you’ve asked for your money.
- Processing vs approval. The e-Transfer takes minutes once sent. “Withdrawal time” quoted by casinos usually means their internal approval window; read the two numbers separately.
Gigadat — the name on your bank statement
Nearly every offshore casino serving Canada processes Interac through Gigadat, a Winnipeg-based payment processor founded in 2013 that has become the dominant gateway between Canadian banks and gaming sites. Practical things to know:
- Your statement will show “GIGADAT INC” (or a close variant), not the casino’s name — both for deposits and withdrawals. That’s normal, and it means no gambling reference appears on your banking record.
- You don’t sign up for anything: Gigadat sits invisibly behind the casino’s Interac option.
- Because one processor serves many casinos, a Gigadat entry on your statement doesn’t identify which site the transaction belongs to — keep your own records if you play at more than one.
If the name caught you off guard — or you’re wondering why Gigadat is sending you money — our full Gigadat explainer covers whether it’s legitimate (it’s a FINTRAC-registered processor), what the statement descriptor means, and how the Interac flow works end to end.
Card declined? That’s MCC 7995
If your Visa or Mastercard deposit was rejected while your card works everywhere else, the cause is almost always MCC 7995 — the merchant category code for gambling transactions. Most Canadian banks block it outright on credit (and often debit) cards as a matter of policy. Nothing is wrong with your card, and calling the bank generally won’t unblock it. The standard route around it is the one this page is about: deposit by Interac e-Transfer, which moves as a bank transfer and doesn’t carry the gambling merchant code.
What this means when choosing a casino
The rail is a constant; the operator is the variable. Since your bank fixes the deposit ceiling and barely touches withdrawals, the numbers that should drive your choice of casino are its cashout caps, verification requirements and bonus terms — the things that differ. Which brands actually offer Interac in the cashier — verified rather than assumed — is in our Interac casinos in Canada guide. The offshore operators we cover serve the rest of Canada and block Ontario (which runs its own regulated market through iGaming Ontario and the AGCO — Ontario players should use an AGCO-registered site). For how their bonus structures compare, see our casino welcome bonuses guide; for the withdrawal-priority perks tied to loyalty tiers, see Casino Rewards casinos.
Withdrawals, limits and staying in control
You must be 19 or older to gamble in most of Canada (18 in Alberta, Manitoba and Quebec). Bank e-Transfer limits are a blunt but real budgeting tool — if you find yourself engineering ways around a C$3,000 daily cap to keep depositing, treat that as a signal, not an obstacle. Set your own deposit limits below the bank’s, keep gambling money separate from bills, and never chase losses. If gambling stops being fun, our responsible gambling resources list free, confidential support options.