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Ways to Transfer Money

Send money wherever you want it to go with our range of secure transfer services.

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Interac e-Transfer®

Send, receive and request money from one Canadian bank account to another, using our mobile app or online banking service.


Sending & Receiving Limits

Personal Banking Interac e-Transfer

Daily limit per transaction:

  • Sending – $6,000
  • Receiving – $25,000

Daily limit cumulative:

  • Sending – $20,000
  • Receiving – N/A

7-day rolling:

  • Sending – $20,000
  • Receiving – N/A

30-day rolling:

  • Sending – $40,000
  • Receiving – $N/A

Member Direct Small Business (MDSB) Banking Interac e-Transfer

Daily limit per transaction:

  • Sending – $10,000
  • Receiving – $25,000

Daily limit cumulative:

  • Sending – $20,000
  • Receiving – N/A

7-day rolling:

  • Sending – $50,000
  • Receiving – N/A

30-day rolling:

  • Sending – $100,000
  • Receiving – N/A

There are no minimum limits on the dollar amount you wish to send.

How to send an Interac e-Transfer

  • Log in to our Online Banking and go to Transfers > Send Interac e-Transfer
  • If you haven't already, create/edit a profile with your email address or mobile phone number.
  • Immediately set up Autodeposit.
    • Why? With the Autodeposit feature enabled, money that you receive via Interac e-Transfer will automatically be deposited into your bank account, without the need for you to answer a security question. This means less to worry about.
  • Select a recipient or add/edit a recipient by entering the person's name, email address or mobile phone number.
  • Create a security question and answer that only you and the recipient know.
  • Add an optional personal message (for security reasons, don't include the answer to the security question).
  • Select an account from which to make the transfer and enter the amount.
  • Send the Interac e-Transfer. Your account will be debited the e-Transfer amount immediately, plus the $1.00 service fee. Some of our daily accounts offer FREE Interac e-Transfer, ask us today!

Please Note: If you cancel the transaction or the funds are not retrieved by the recipient, the $1.00 is non-refundable.

How to receive an Interac e-Transfer

  • You'll receive an email or text message containing an encrypted link from the sender (the encrypted link can be identified by the use of 'https' instead of 'http').
  • If you are set-up for Autodeposit, the funds will be deposited automatically without the hassle of logging in. If you are not set up for Autodeposit:
    • Click on the link and you'll be taken to a secure Interac e-Transfer website.
    • From the Interac website, scroll to the 
      • “...or find your credit union in this list:” drop-down and choose,
      • British Columbia”, then select,
      • NDCU” from the drop-down and click,
      • Deposit”.
    • You'll be redirected to “Login” on our Online Banking website.
    • Login to Online Banking as you would normally, answer the “Receive Interac e-Transfer” security question that you coordinated with the sender and accept the transfer.
    • Select the account where you wish to deposit the money.
    • Confirm the transaction.

Service fees for Interac e-Transfer

At NDCU, there is no fee to receive money via Interac e-Transfer. Several of our account packages have e-transfers bundled into the monthly transactions. To send, a service fee of $1.00 per transaction applies. The fee is charged at the time of the transaction and is non-refundable.

Your mobile carrier may charge you for using your mobile device to access the mobile services provided by NDCU.


® INTERAC e-Transfer is a registered trade-mark of Interac Inc. Used under license.

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Wire Transfer

Send and receive funds electronically from accepting financial institutions in Canada, the US and abroad with our wire transfer service.


Sending a Wire Transfer

To send a wire transfer to an accepting financial institution in Canada, the US or overseas, you must complete and sign a wire-transfer request form available from any of our community branches.

Alternatively, you can log in to online banking and send the request via the secure Contact Us form.

You will need to have the following information ready:

  • Full name of the person receiving the wire (the beneficiary) 
  • Complete civic address (full legal address / NO P.O. Box) of both the receiver and sender for all dollar amounts
  • Branch location, including the bank name, street address, city and country
  • Account number of the beneficiary
  • Some international Financial Institutions require an International Bank Account Number (IBAN) or a CLABE (Mexico):
    • The IBAN is alphanumeric and the length varies by country. The IBAN is provided by the recipient.
    • The CLABE is a banking standard for the numbering of bank accounts in Mexico. It is a requirement for the sending and receiving of international transfers. The CLABE is 18 digits and always contains the payee’s bank account number.
  • Some countries also require a reason for transfer and a beneficiary phone number
  • Depending upon the currency sent, some wires may require an intermediary financial institution (which is provided by the recipient). When sending funds in a currency that is native to the receiving country, this will require an intermediary institution.

Please contact your branch for required sending information for specific countries.


These vary depending on the value, currency and the destination country. Non-conforming money transfers will be returned, minus fees.


  • Domestic transfers initiated by 12:00 p.m. are generally credited on the same business day.
  • US transfers initiated by 12:00 p.m. are generally credited within one business day.
  • International transfers initiated by 12:00 p.m. are generally credited within two to four business days.

Receiving a wire transfer

The individual or business sending the wire to an NDCU member initially transfers the funds to a central financial institution:

  • For Canadian-dollar transfers, it is then sent directly to NDCU.
  • For US dollar and international transfers, it is routed through a number of intermediate institutions before being deposited at NDCU. Depending on the routing intermediaries, international transfers can take 3 to 15 business days.

To receive a wire transfer to your account, you’ll need to provide detailed routing instructions, together with your full name, complete civic address (NO P.O. Box) and account information, to the individual or business sending the wire. Please contact your community branch for details on receiving a wire transfer.

Please note: The wire transfer will not be accepted if the beneficiary name (account holder), complete civic address* and account information are not specified. *Address that includes a P.O Box will not be accepted.

For your security

Many money-wiring scams are initiated through email or by telephone. You may get requests to wire money in order to obtain a prize, participate in a foreign lottery or business opportunity, or to get a credit card or loan. Never respond to such offers.

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Automated Funds Transfer

Streamline the processing and settlement of your pre-authorized transactions, like payroll and donations, thanks to our AFT service. 


Perfect for:

  • Payroll deposits
  • Strata corporation fee payments
  • Membership fees
  • Pre-authorized donations
As the Originator, you can make: 
  • Additions
  • Deletions
  • Changes within the program

You also have access to a number of reports you can use to review transactions, including:

  • Rejected items
  • Returned items

Technical Requirements

Your computer system must meet or exceed the following minimum standards: 

  • Either Windows 2000 or Windows XP 
  • 64 MB RAM 
  • Pentium 120 
  • Web browser with 128-bit encryption. Netscape 4.5 or above or Microsoft Internet Explorer 4.01 or above 
  • Internet access


  • Initial Setup - $200.00 
  • Manual File Release - $4.50 per pull
  • Transaction Fee - $0.0325 per transaction (ex. 10 recipients in file = 10 transactions = $0.33)

Have questions or need help with a transfer?

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