There are three steps for sending an Interac e-Transfer: (1) creating, (2) approving and (3) submitting the payment.

Creating

1. Click create payment
2. Select Interac e-Transfer from the Payment Type menu and click Apply Filters

3. Select the desired recipient then click Continue
   

4. Select the appropriate service group from the menu then click Continue
5. Select the payment source (the account that will fund the payment)
6. Enter the amount and currency
7. Include a memo in simple text or attach remittance details. Click Continue
8. Review the payment details
9. Click confirm to proceed, Edit payment to make changes, or cancel to exit.
10. If there are no approvals set up for the service, the next page will request the ScotiaConnect password and Token value to complete and submit the payment.

Approving

1. If approvals are required, the approving user will log into ScotiaConnect and click the Interac e-Transfer link under the To-do list.
2. Click the checkbox next to the payment(s) that require approvals and click Continue.
3. Confirm the approval on the next page. A payment approval summary will generate.
4. The next and final step is to submit the payment.

Submitting

1. The user submitting the payment will log into ScotiaConnect and Click Interac e-Transfer under the To-Do list.
2. Click the checkbox next to the payment(s) that require approval and click Continue
3. Enter the ScotiaConnect password and Token Value, click Continue
4. Click Submit to finalize the payment.