Calculate the exact arrival time of your Canadian domestic or international bank transfer. Supporting EFT, Interac e-Transfer, wire transfers, and SWIFT across major banks in Canada and worldwide.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it. We support all major Canadian banks and credit unions.
Select whether you're using EFT (standard 1–2 days), Interac e-Transfer (instant), or a domestic wire transfer (same day via LVTS).
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive in the recipient's account.
Understanding the three main ways to send money between Canadian bank accounts.
The standard method for batch-processed transfers in Canada, processed through the Automated Clearing Settlement System (ACSS) operated by Payments Canada. Commonly used for payroll, bill payments, and pre-authorized debits. Only processes on business days.
Canada's most popular person-to-person payment system. Interac e-Transfer sends money instantly using just an email address or phone number. With autodeposit enabled, funds arrive within minutes. Available 24/7, including weekends and statutory holidays.
A same-day, high-value payment system processed through the Large Value Transfer System (LVTS), now known as Lynx, operated by Payments Canada. Used for real estate closings, large business transactions, and urgent high-value payments. Irrevocable once sent.
Our calculator covers all major Canadian banks, credit unions, and digital banks.
Sending money between Canadian bank accounts is something millions of Canadians do every day. Whether you're paying rent, sending money to family, settling a bill, or closing on a home purchase, understanding how long your bank transfer will take is essential for financial planning.
Electronic Funds Transfer (EFT) is the standard batch-processing method for moving money between Canadian bank accounts. EFT is processed through the Automated Clearing Settlement System (ACSS) operated by Payments Canada.
Most EFT transfers take 1 to 2 business days to complete. The exact timing depends on when the transfer is initiated and the processing schedules of both the sending and receiving banks. Common uses include:
Interac e-Transfer is Canada's most widely used real-time payment system, processing over 1 billion transactions per year. It allows you to send money to anyone with a Canadian bank account using just their email address or mobile phone number.
Key features of Interac e-Transfer:
Domestic wire transfers in Canada are processed through the Large Value Transfer System (LVTS), now known as Lynx, operated by Payments Canada. Wire transfers are same-day, irrevocable, and typically used for high-value transactions.
Key facts about Canadian wire transfers:
Canadian statutory holidays affect EFT and wire transfer processing. On these days, batch processing and LVTS do not operate, which means transfers are delayed to the next business day. Interac e-Transfer, however, continues to operate 24/7, including on statutory holidays and weekends.
The 2026 Canadian federal statutory holidays are: New Year's Day (1 January), Good Friday (3 April), Victoria Day (18 May), Canada Day (1 July), Labour Day (7 September), National Day for Truth and Reconciliation (30 September), Thanksgiving (12 October), Remembrance Day (11 November), Christmas Day (25 December), and Boxing Day (26 December).
Sending money abroad from Canada typically involves the SWIFT network for international wire transfers. Our advanced international calculator covers 30+ countries and hundreds of banks worldwide.
SWIFT transfer times from Canada vary by destination:
Canadian banks typically have SWIFT cutoff times between 2:00 PM and 4:00 PM ET. Transfers sent after cutoff will begin processing on the next business day.
Everything you need to know about Canadian bank transfers.
It depends on the payment method used. Interac e-Transfer is typically instant when the recipient has autodeposit enabled and is available 24/7. EFT (Electronic Funds Transfer) takes 1–2 business days and only processes on business days. Wire transfers via LVTS/Lynx arrive the same business day if sent before the bank's cutoff time (usually 3:00–5:00 PM ET). Most personal transfers in Canada use Interac e-Transfer by default.
Interac e-Transfer operates 24/7, including weekends and statutory holidays, so your transfer will still arrive almost instantly. However, EFT and wire transfers only process on business days. If you send an EFT on Friday, it won't begin processing until Monday, arriving on Tuesday or Wednesday. Wire transfers sent after cutoff or on non-business days will settle on the next business day.
The standard Interac e-Transfer limit is up to $10,000 per transaction. However, each bank sets its own daily and weekly sending limits for customers. Most personal accounts allow between $3,000 and $10,000 per transaction and $10,000 to $25,000 per week. Business accounts often have higher limits. Check with your bank for your specific Interac e-Transfer limits — some banks allow you to request temporary increases for large payments.
Interac e-Transfer is the default for person-to-person transfers — instant, free at most banks, available 24/7, up to $10,000. EFT is a batch processing system used for payroll, bill payments, and pre-authorized debits — takes 1–2 business days, very low cost, no standard upper limit. Wire transfer (via LVTS/Lynx) is for guaranteed same-day high-value payments — used for real estate closings and urgent large transfers, costs $15–$50, only available on business days before the bank's cutoff time. For everyday transfers, Interac e-Transfer is the best choice.
Wire transfers are irrevocable — once sent via LVTS/Lynx, they cannot be recalled. Interac e-Transfer can be cancelled before the recipient deposits it, but once autodeposited, the funds cannot be reversed. If you've sent money to the wrong person, contact your bank immediately. EFT pre-authorized debits can be reversed within 90 days under Payments Canada rules if you did not authorize the transaction. Always double-check recipient details before confirming a transfer.
International transfer times depend on the destination and method used. SWIFT transfers to the United States typically take 1–2 business days due to strong correspondent banking relationships. Transfers to the UK and Europe usually take 1–4 business days. Transfers to Asia, Africa, or South America may take 2–5 business days. Factors such as correspondent banks, compliance checks, time zones, and local holidays in the destination country all affect delivery times. Use our international calculator for estimates specific to your bank and destination.