Vault

Your Interac e-Transfer may have failed for one of the following reasons:

The recipient didn’t accept the transfer in time – If the recipient does not have auto-deposit enabled, they must manually accept the transfer using the payment link. This link expires in 24 hours, and if the funds are not accepted within that timeframe, the transfer will fail.

The recipient’s email or phone number was incorrect – Ensure that the email address or mobile number entered is correct and linked to the recipient’s bank account.

Auto-deposit issues – If the recipient has auto-deposit enabled but their bank is experiencing delays, the funds may be returned. Typically, auto-deposits are processed within 30 minutes, but in rare cases, they can take up to 4 hours.

Insufficient funds – If your Vault account does not have enough funds to cover the transfer, it will be declined.

Banking restrictions – Some banks or credit unions may have restrictions on receiving Interac e-Transfers, causing the transaction to fail.

- The recipient didn’t accept the transfer in time – If the recipient does not have auto-deposit enabled, they must manually accept the transfer using the payment link. This link expires in 24 hours, and if the funds are not accepted within that timeframe, the transfer will fail.
- The recipient’s email or phone number was incorrect – Ensure that the email address or mobile number entered is correct and linked to the recipient’s bank account.
- Auto-deposit issues – If the recipient has auto-deposit enabled but their bank is experiencing delays, the funds may be returned. Typically, auto-deposits are processed within 30 minutes, but in rare cases, they can take up to 4 hours.
- Insufficient funds – If your Vault account does not have enough funds to cover the transfer, it will be declined.
- Banking restrictions – Some banks or credit unions may have restrictions on receiving Interac e-Transfers, causing the transaction to fail.

If your transfer failed and the funds were not deposited, they should be automatically returned to your Vault account. 