From privacy and fraud mitigation technology to useful tips and resources, we take security seriously.
How we help make your transactions more secure.
Secure transactions start with our privacy and fraud mitigation technology.
- Interac® Debit
- Interac e-Transfer®
Use Interac Debit confidently, knowing the right security measures are in place for your debit card:
- EMV* technology to protect every transaction
- Interac Zero-Liability Policy*protection offered through your financial institution for losses resulting from circ*mstances beyond your reasonable control**
- Transaction and cumulative limits for contactless payments***
- Bank and credit union commitments to good practices
And this applies to all Interac Debit-related products and services:
- Chip and PIN
- ABM withdrawals
- Contactless payments
- eCommerce payments
- Cross-border debit
Want to know more about EMV and the commitment your bank or credit union makes as an Interac Debit card? View our Business Security page.
Interac e-Transfer users are protected by multiple layers of security, making the service one of the most secure money transfer services globally. When you send money using Interac e-Transfer, your money doesn’t actually travel by email or text message – just the notifications and deposit instructions. The receiving and sending bank or credit union transfer the funds to each other using established and secure banking procedures:
- Authentication and transaction encryption
- Financial institution authentication
- Proprietary risk management
Your bank or credit union’s security measures include:
- Encryption technology
- Confidential user IDs and passwords
- Secure login process
- Security question and answer
Unexpected Interac e-Transfer notification?
Always verify requests and scrutinize messages to avoid phishing scams and other attempts at identity theft. If you receive an Interac e-Transfer text or email you weren’t expecting, confirm with the sender via another channel. If the email or text comes from someone you don’t know, or you suspect it to be fraudulent, don’t respond or click any links. If you were the victim of a fraud or scam, contact your bank and the anti-fraud centre.
Transaction limits
Experience secure and convenient Interac Debit contactless payments protected by transaction limits for the same security as traditional Chip and PIN methods:
- A single card-based contactless transaction cannot exceed $250
- Cumulative spending limits are set by banks and credit unions
When the cumulative spend limit is reached, you are prompted to insert your card and enter your PIN to complete the transaction. That validates you as a legitimate cardholder and resets the limits.
Zero-Liability Policy
Check your statements regularly to watch for any unusual activity. If you believe fraud has occurred, there are processes in place that you can initiate to help get your money back:
- Contact your financial institution immediately.
- Your financial institution will begin an investigation.
- If fraud is found to have occurred, your funds will be returned to you by your financial institution.
These are the Interac Debit products that are covered under the policy:
- Chip and PIN
- ABM withdrawals
- Contactless payments with card and mobile device
- eCommerce payments
- Cross-border debit
Your financial institution is responsible for reimbursing any losses it has determined have resulted from circ*mstances beyond your reasonable control. See your bank or credit union client agreements for the specific terms.
Tips and tricks to keep payments safe.
With tips, resources and insights, learn how you can help keep your transactions secure.
Tips and tricks to keep payments safe
Resources, tips, and insights to help protect yourself against online fraud and scams. Learn more useful tips:
Stay aware, check trusted sources for information, and report fraud.
Need Help?
Get tips and fast answers on our FAQs page. Still have questions? Reach out to your bank or credit union for transaction issues.
