Scotia OnLine® Financial Services customers can send money to, and receive money from anyone with a Canadian bank account, quickly and securely! To send money to

someone, all you need to know
is their email address.

It's So Easy!

Use Interac*** Email Money Transfers to:

send money to children at university pay back money owed to friends pay the babysitter, piano teacher, or dog walker contribute to an office collection for gifts, luncheons, etc. send money to someone for any other reason

Here's how an Interac Email Money Transfer works:

• you sign on to Scotia OnLine and select the "Interac Email Money Transfer" navigation link within the Banking tab
• you key the email address of the person you want to send money to
• you create a Security Question that only the person you are sending money to will be able to answer
• you key the amount you want to send, and the account from which you want to withdraw
• the money is withdrawn from your account, and an email notification is automatically sent to the email address you provided
• the other person clicks on a hyperlink in the email, and they are taken to their online banking sign on page
• after signing on and answering your Security Question, they can deposit the funds immediately to their account*. No holds, no hassles, and the funds are guaranteed.

Send Money to Anyone

When you send money to someone using the Interac Email Money Transfer service, they don't need a Scotiabank account to receive your funds! All they need is a Canadian dollar account at a Canadian Financial Institution, and an email address.

It's Secure

When you send an Interac Email Money Transfer, the email is used only for notification purposes, it doesn't actually carry the money. The money is transferred using the established inter-bank fund clearing networks Canadians have trusted for years.

What's more, in order to receive an Interac Email Money Transfer you have sent, the other person must sign on to their online banking service*, and provide the correct answer to the Security Question that you create specifically for them. Two more layers of security to give you peace of mind. Also, you don't need to know the other person's bank account numbers, and they never see yours!

The following fees apply when using the Interac Email Money Transfer service on Scotia OnLine:

Note: Any regular Service Fees associated for a debit transaction will also be charged when you are sending an Interac Email Money Transfer from your Scotiabank account.

It's Available to Scotiabank Small Business Accounts

If you run a small business, you know what a headache it can be to collect many small payments from individual people. No more! Now they can email the money to you! All they need is your email address, and then you can use Scotia OnLine to deposit their payments directly into your Scotiabank Small Business account!

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* In order to receive an Interac Email Money Transfer immediately, the recipient must bank online with Scotiabank, BMO Bank of Montreal, CIBC, RBC Royal Bank, or TD Canada Trust. Customers should check with those banks, as terms and conditions may vary. If the recipient does not bank online with one of those banks, they will experience a delay of several days in receiving their funds, and they may be charged a fee in order to receive the funds.