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Is Interac down right now? Live status and outage tracker

No, Interac is up.

No outage detected, and no user reports in the last hour.

Live Last spike 12 h ago Updated 4 min ago Data refreshes every 5 minutes

Not working for you? Help centre

User reports, last 24 hours, 15 minutes a segment: 96 flowing 0 slow (elevated) 0 jammed (outage)

User reports, last 24 hours

120 reports in total, counted in 15-minute windows

No problem reports came in for Interac in the last hour, and at this time of day there are usually almost none. Over the last 24 hours there were 120 reports. Most recent reports were about funds transfer (91%) and payments (9%). The last spike in reports was 12 h ago and lasted 17 min. These are user reports from Canada, where most people report Interac problems.

NormalClose to the usual level24 h · 120 reports
ElevatedMore than 1.5 times the usual levelNone in this chart
OutageMore than twice the usual level and far above the day's averageNone in this chart
Usual levelWhat a usual day sees at that timeAlmost none at this time of day

Reports, last hour

Quiet

Uptime, 24 h

100.00%

No outage windows

Last outage

None

In the last 24 hours

Busiest 15 minutes

8 reports, 12 h ago

Last 24 hours

Interac outages and problems

In the past 24 hours, 120 user reports came in for Interac. Counting only the 15-minute windows with a spike big enough to count as an outage, that comes to 100.00% uptime for the day.

The busiest 15-minute window had 8 reports, about 12 hours ago. That stays below our outage threshold, so it doesn't count as downtime.

No problems detected in the last 24 hoursReports for Interac stayed at their usual level the whole time.

This month

Interac in October 2026

Problem reports in October (since 28 October): 120

Monthly report for October 2026

What went wrong

What people said was wrong in recent problem reports for Interac.

Funds Transfer91%
Payments9%

Share of 11 recent reports that said what was wrong.

Last 30 days

Interac problem spikes, last 30 days

Since 28 October, Interac had no outage spikes, but 1 period of elevated reports.

Elevated reports

Wed 28 Oct, 21:54–22:11

Lasted 17 min

10peak reports

A spike is a sharp rise in problem reports from users, kept exactly as this page showed it at the time. This history starts on 28 October 2026. Monthly reports for all services

Troubleshooting

How to fix Interac not working

Interac is up on our end, so if it won't work for you, the problem is most likely on your side. Work through these in order:

Your browser tries to reach interac.ca over your own connection, right now. Nothing is sent to us or stored.

Retry the e-Transfer on data
Switch from Wi-Fi to mobile data and retry the transfer in your bank app. If the screen still stalls, turn Airplane Mode on and off, then reload the page.
Match the e-Transfer contact
Confirm the recipient email address or mobile number you entered; one wrong character stops the notification. Delete the saved recipient in your banking app and add the contact again with the exact details.
Clear the pending e-Transfer
Log in to your bank's app or online banking and open the e-Transfer section to look for a pending transfer you need to cancel before sending another. Check that the sending account has available funds and that the amount is within the limit shown for that account.
Update the bank app
Install the latest version from the App Store or Google Play, sign out of the banking app, force close it, and sign back in before you retry. If the browser page fails, clear the site data for your bank's domain and then try the transfer in a private window. When the app still fails and the recipient details are correct, use the Interac help centre form.

While Interac is down: what to use instead

Cash Keep cash on hand for a purchase or a person-to-person payment when a debit tap or an e-Transfer will not go through.
Credit card A credit card can pay for the same purchase if the store's debit terminal cannot reach the network.
Online banking website If your banking app is the part that fails, sign in through your bank's website to send or accept an e-Transfer.
PayPal Send money through PayPal to someone who also has an account when an e-Transfer is unavailable, though both of you need access to it.

Same time

Problems at the same time as Interac

Since 28 October, Interac's only spike in problem reports overlapped a spike at another service.

When several services get problem reports at once, something they share, such as a cloud host or a network, can be the real cause. Matching times alone do not prove it.

During the latest spike

Interac: Wed 28 Oct, 21:54 to 22:11

42 more services. Red dot: outage. Amber dot: elevated reports.

A spike is a sharp rise in problem reports from users, as the live pages showed it. Times are Central European time.

Busiest times

When people report Interac problems

The busiest hour for reports about Interac is 21:00 to 22:00 Central European time, and the busiest day is Wednesday.

By hour of the day

By day of the week

Each bar is the average number of user reports in that hour, or on that day of the week, from 22 days of reports since 5 October 2026. The busiest bar is highlighted. Spikes in reports are left out, so one outage does not set the pattern.

About

What happens when Interac goes down

Interac runs the e-Transfer service and the debit network most Canadian banks plug into, so people use it to send money by email or text and to pay by tap or chip. When it falters, a transfer can stall after the money leaves one account, and a card payment can fail at the till.

E-Transfer problems usually surface first: the banking app shows the transfer as pending, the recipient gets no notification, the deposit link times out, or a deposit stays stuck after you answer the security question. Debit payments fail at tap or chip, and the terminal shows a decline even when the account has funds. Partial failures are common; one bank's e-Transfer flow can break while another works, and a region can see failed debit payments while the rest of the country is fine. A full national failure is rare.

Servers and network

Interac IP address, servers and network

Checking interac.ca from our server…

Questions

Interac FAQ

Is Interac down right now?

The status at the top of this page shows whether user problem reports for the service are above their usual level, counted in 15-minute windows over the last 24 hours. If that level looks normal, check whether your bank's app or website loads, then try the same transfer or debit on another device. A problem that follows your account or phone points to your side; one that hits several people at once points to the service.

Why is my Interac e-Transfer still pending?

A pending transfer often means the recipient has not accepted it yet, or autodeposit could not complete with the email or mobile number on the transfer. Ask the recipient to check that address and their bank account, then cancel and resend if the transfer expired or the details are wrong. If money left your account and no one can deposit it, contact your bank.

Why did my Interac e-Transfer fail to deposit?

A deposit can fail when the recipient's autodeposit registration no longer matches or the security answer is wrong. Ask the recipient to confirm the email or mobile number on the transfer and the bank account linked to autodeposit. If the sender sees the transfer returned, send a new one; if the money is gone with no deposit, use the Interac e-Transfer customer support form at https://www.interac.ca/en/consumers/support/interac-e-transfer-customer-support-form/.

Why was my Interac Debit payment declined?

A declined debit payment can come from your bank's balance or card status, or from a terminal that cannot reach the network. Try the card at another terminal and check its status in your banking app; call your bank if the decline repeats.

Why does autodeposit not work for my Interac e-Transfer?

Autodeposit fails when the sender uses an email or mobile number that does not match your autodeposit profile, or when your bank account changes. Check the contact on the transfer against the profile in your banking app, then ask the sender to cancel and resend to the registered address. Your bank can confirm whether the profile is active.

For your site

Put the Interac status badge on your site

Paste one of these into a web page, a blog post or a README. The badge shows the same status as this page, based on user problem reports. Browsers can keep a copy for up to 4 hours. It links back here.

HTML

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Markdown, for README files

[![Interac status](https://isitdownrightnow.app/badge/interac.svg)](https://isitdownrightnow.app/services/interac/)

The badge is a plain image: no scripts, no cookies. People who see it on your page load it from our server.

How we track Interac

The status on this page comes from user-submitted problem reports for Interac, counted in 15-minute windows over the last 24 hours. Each window is compared with the normal level for Interac, so a few complaints on a quiet day don't trigger anything, but a sudden jump well above normal does.

When reports climb well above normal, the status here changes to partial outage or major outage and the chart moves with it. Interac doesn't publish a public status page that we know of, so user reports are often the quickest sign that something is wrong on their side.