Personal Finance Money transfer

How much can you e-Transfer with Tangerine?

Piyush Singh

03.09.25

Read time 2 minutes

Tangerine® is a popular online-only bank, with a range of spending and saving features for Canadians. However, the provider has some inflexible transfer limits. In this guide, we’ll take a closer look at Tangerine’s maximum Interac® e-Transfer limits, including everything you need to know about transaction limits, fees and rates.

We’ll also look at Wise – your international transfer alternative. Send and spend your money across the globe with just the touch of a button!

We will be covering:
Tangerine’s maximum Interac e-Transfer limits Limitations of Tangerine for your transfers Tangerine’s transfer limits International limitations Comparing Tangerine vs. Wise for your transfers

Tangerine’s maximum Interac e-Transfer limits

Interac limits how much you can send via your Tangerine account on a daily, weekly and monthly basis. It’s unlikely you’ll be able to change these limits.

Let’s take a closer look at Interac e‑Transfer limits¹ with Tangerine:

Frequency/Type of transfer	Sending	Receiving
Daily	3000 CAD	10,000 CAD
Weekly	10,000 CAD	70,000 CAD
Monthly	70,000 CAD	300,000 CAD

Limitations of Tangerine for your transfers

Tangerine has a lot of useful features, but it may not be the right choice for everyone. You’ll need to think about account capabilities, fees and how much you can transfer.

Let’s take a closer look at some of the limitations and drawbacks of Tangerine for individuals and businesses in Canada.

Tangerine’s transfer limits

Tangerine typically limits how much you can send via Interac e-Transfer. These maximum limits are set by Interac, and they can’t be changed.

You can send up to 3000 CAD per day or up to 10,000 CAD per week. You can receive up to 10,000 CAD each day or up to 70,000 CAD per week.¹

You can only withdraw up to 1200 CAD in cash per day with Tangerine. However, you may be able to change your ABM limits via telephone.²

International limitations

You can’t send SWIFT wire transfers via your Tangerine account. This may limit your global spending options, and it means Tangerine is best suited for domestic transactions within Canada.³

This is a big drawback for businesses, particularly if you regularly conduct business overseas. You won’t be able to invoice international clients, manage your remote global team or pay for supplies abroad.

However, you may be able to use your Tangerine Client Card to withdraw cash overseas. You can get fee-free access to Scotiabank® Global ATM Alliance machines in over 40 countries.⁴

Comparing Tangerine vs. Wise for your transfers

Both Tangerine and Wise are popular digital financial providers for Canadian customers. You can send, spend or receive your money online.

However, you can’t use Tangerine for international SWIFT transfers, and some transaction fees apply. Let’s take a closer look at Tangerine vs Wise for features, fees and limits.

Tangerine vs Wise: Transfer capabilities

Feature	Tangerine	Wise
CAD Interac e‑Transfer	Send, receive and request money via Interac e-Transfer Interac e-Transfers are free, but Interac may charge your recipient a fee to receive your transfer⁵ There are restrictions on how much you can send via Interac e-Transfer from your Tangerine account	Use Wise to send money with Interac e-Transfer Interac isn’t typically available for direct foreign currency transfers, so you can use Wise as an intermediary for digital payments abroad
International wire support	No	Yes – send international SWIFT and wire transfers via your multi-currency Wise account
Maximum CAD outgoing	You can send up to 3000 CAD per day via Interac or 20,000 CAD per month¹	There’s no limit to CAD bank transfers – you can send up to 25,000 CAD to an email address via Interac
FX rate and fees	3 CAD to withdraw cash at an international ABM (not part of Global ATM Alliance) 2.50% markup on the exchange rate for foreign currency conversions⁶	Save on international transfers – Wise charges from 0.48% per international transfer* Wise doesn’t charge exchange rate markups. You can convert your money at the ‘fair’ mid-market exchange rate

Conclusion

Tangerine is a handy option for everyday transfers in Canada, but you can’t send international SWIFT wire payments from your account.

The provider also imposes certain transaction restrictions. You’ll need to look into your maximum transfer limits, as well as Tangerine’s currency conversion and ATM withdrawal fees.

Wise offers low-cost multi-currency accounts for individuals and businesses. Send and receive global transfers to over 160 countries – all at the mid-market rate.

To explore your international spending options, check out Wise.

Sources

Tangerine - What’s the Interac e-Transfer limit?
Tangerine - What’s my daily ABM withdrawal limit and how can I change it?
Tangerine - What is your Swift or BIC code?
Tangerine - What should I do if I want to use my Client Card outside Canada?
Tangerine - Interac e-Transfer terms and conditions
Tangerine - Bank fee schedule

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.