Interac Casinos : Canada’s Fast Track to Instant Banking

Welcome to the eCheckCasinos.ca guide on Interac casinos in Canada! In this comprehensive piece, we’ll explore all aspects of using Interac for online gaming. We will review the different Interac options that are currently available in 2025. These include big names such as Gigadat, mid-level players like Payper, and more niche products like Loonio (you might have never heard of them). We’ll meticulously evaluate the speed and efficiency of each method, their pros and cons. All this with the goal to help you make an informed decision. Stick around.

The Modern Canadian’s All-in-One Mobile Wallet

The mobile age is most definitely upon us. If you think back twenty years, it’s astonishing just how much we do on our smartphones these days. Almost everything you can do in the real world, you can do on a mobile device.Go shopping, pay your bills, watch television, play games, get the latest news, check the weather, listen to your favorite music – it’s all here, in the palm of our hands!

Thanks to Canada’s exclusive financial network system, Interac, we can do all of these thing, and pay for most of them, with just a few taps. That includes the option to deposit and play at online casinos, all on your smartphone. You could do the same on a laptop, but as a society, we’re steadily moving away from cumbersome carry-ons, in favor of pocket-size mobility.

The beauty of Interac E-Transfers is that all you need to use it is a supporting bank account and a mobile phone. With 99% of adult Canadians holding a bank account – the world’s highest rate according to World Bank data: (source) – and Interac’s network covering over 90% of Canada’s financial institution market share (source), this payment method is accessible to nearly all Canadian casino players.

In this guide, we’ll study Interac eTransfers in depth, explain how to use them, and which casinos accept them. Please use the table of contents to skip ahead to the information you’re looking for. Thanks for visiting, and remember to always gamble responsibly.

Interac eTransfer Canada – Table of Contents

• What is an Interac E-Transfer
• Interac eTransfer Casinos
• Interac E-Transfer Options in 2025
• Can I Use Interac?
• Canadian Banks Comparison
• Interac Security
• Speed of Payments
• Associated Fees
• How to Deposit
• How to Withdrawal

What Is an Interac E Transfer?

Interac’s electronic funds transfer system (colloquially known as an Interac eTransfer) is a unique online payment method that takes place entirely on your mobile device. That is, your experience with the payment – initializing the payment, inputting an amount, entering the recipient’s mobile phone number, etc. – takes place on mobile. The actual transfer is secured over Interac’s sophisticated processing system. Thus, you get the convenience of an all-in-one mobile pay-n-play casino experience, with all the trusted safety and security of Canada’s exclusive Interac payment network.

A little background info: The Big Five Banks of Canada first introduced Interac back in 1984. It’s been an integral part of the nation’s banking system ever since. In more recent years, Interac has become the bedrock for digital payments between local financial institutions, as well as international ones. Don’t worry, Interac hasn’t spread beyond its exclusivity with Canada, but rather it’s agreed to facilitate payments between Canadian account holders and offshore “acquirers” (approved online casinos, merchants, service providers, etc.)

Today, Interac’s network services the vast majority of Canada’s banks, credit unions and other financial institutions, facilitating everything from debit card transactions to direct deposits. It’s supported by more than 5,300+ of the nation’s 5,780+ banking branches. Suffice it to say, if your bank doesn’t support Interac, well… maybe it’s time to consider switching banks?

List of Canadian Interac Casinos

The Top 3 Interac Casinos of Canada

Based on our extensive testing, these three operators provide the most reliable Interac experience for Canadian players in 2025:

All three casinos provide dedicated 24/7 support specifically trained to handle Canadian payment methods. See how we rate and calculate the eCheck ease score here.

All Interac E-Transfer Options in 2025

In 2025, Canadian players have access to several Interac-powered payment solutions for online casinos. Each has its unique features, so it’s up to the player(s) to decide which one to adopt. Here’s a breakdown of the major options:

Payper, Inc

Payper is a mid-tier (in terms of adoption) payment processor built on top of Interac’s infrastructure. It provides super simple casino deposits and higher-than-typical limits. What makes Payper stand out is its direct integration with online casino platforms. In general, this eliminates the need to leave the casino site to complete your transaction. You just need to have your cell phone handy to approve the payment via online banking.

Key features of Payper include:

• Direct integration with casino platforms
• Processing times of under 5 minutes
• Higher transaction limits (up to $10,000 per transaction)
• Enhanced security with two-factor authentication

Payper has partnered with numerous Ontario-licensed casinos, for example Apollo Entertainment Ltd., making it an excellent option for players in regulated markets seeking fast and secure transactions.

PayDirectNow

PayDirect is another Interac-powered solution. This one also specializes in facilitating payments between Canadian players and online casinos and has more history/track record than Payper.

Notable aspects of PayDirect include:

• Simplified user interface designed specifically for gambling transactions
• Automatic deposit confirmation
• Transaction tracking through a dedicated portal
• Customer support specialized in gambling-related payment issues

PayDirect is particularly popular with international casino operators. They choose Interac solutions to cater to their Canadian player base without requiring extensive additional infrastructure.

Loonio

Loonio represents one of the newest Interac-based payment solutions in the Canadian market. Launched in 2022, Loonio focuses on providing an enhanced user experience with modern features. They also span the e-commerce, insurance, and iGaming verticals.

Loonio’s standout features include:

• Mobile-first design with dedicated support
• Instant transaction notifications
• Spending analytics and tracking tools

Loonio has quickly gained popularity among younger casino players who appreciate its modern interface and additional features beyond basic payment processing.

Interac Powered by Gigadat

Gigadat is one of the most established payment processors for Interac transactions in the online gambling space. As a trusted payment facilitator, Gigadat has been connecting Canadian players with online casinos for years.

Key advantages of Gigadat include:

• Widespread acceptance at most major online casinos
• Proven track record of reliable service
• Robust fraud prevention systems
• Support for both deposits and withdrawals

Many players consider Gigadat the gold standard for Interac casino payments due to its reliability and wide acceptance.

Paybilt

Paybilt leverages Interac’s infrastructure while adding additional features for online gamblers. This service focuses on providing a helpful payment method selection system. It offers excellent support from deposit to withdrawal.

Paybilt’s distinguishing features include:

• Integration with multiple payment methods beyond Interac
• Advanced encryption for enhanced security
• Customizable deposit limits
• Entreprise grade payments with B2B connectivity

Paybilt is particularly popular with players who value flexibility and want access to multiple payment options through a single platform.

How Do I Know if I Can Use Interac?

If you have an account with any bank, credit union or other participating financial institution, you can use Interac. If you’re not sure whether your bank supports Interac, there are a few ways to quickly find out; mostly by looking for an Interac logo (see variety of logos below).

1. The fastest option is to look at your debit card and see if it has the Interac logo.
2. Another option is to log into your online banking website and look for an Interac logo there. It should be plainly visible on your main account page.
3. If you happen to be logged into your online casino account and wondering if Interac eTransfer deposits are available to you, click on it and skim through the drop-down menu for your bank’s name.

If you’re still not sure, see the current list of Interac Network Partners here (link opens in new window; scroll down to alphabetical list of network participants). And if all else fails, simply call your bank and ask.

Canadian Banks Comparison for Interac e-Transfer

Different Canadian banks offer varying levels of service when it comes to Interac e-Transfer. Understanding these differences can help you choose the best bank for your online gambling needs. Below is a comparison of major Canadian banks and their Interac e-Transfer features:

* RBC offers free Interac e-Transfers with select accounts
** TD waives fees for premium account holders

As you can see from the comparison, RBC generally offers the fastest transfer speeds, which can be important when you want to start playing at an online casino quickly. However, each bank has its own advantages, so consider your specific needs when choosing which bank to use for your Interac e-Transfer casino transactions.

How Secure are Interac eTransfer Payments?

Security is what draws most Canadian iGamers to Interac payments. It’s a trusted method we’ve been using for years, whether we know it or not. The fact that it is perpetually maintained by Canada’s Big Five, government-regulated banks, should tell you just how tight the security is. We’re talking about state-of-the art technology; the highest-standards known to technology.

I’ve heard and seen (online) a lot of people questioning whether mobile payments like Interac eTranfers can really be as secure as the online banking system that powers it. I touched on this subject above, and I’ll reiterate now; Interac eTranfers do not take place over a mobile device. They are facilitated by Interac, on the system’s sophisticated and highly secure network.

They only information that’s passing through your mobile device, via SMS messaging, is basic info, like the sender and recipient phone numbers and the amount of money to be sent. Nothing remotely sensitive is sent over mobile SMS.

Can I Gamble Anonymously with Interac?

No. Security and anonymity don’t exactly go hand in hand – at least, not Interac’s level of security. In order to use the service, you must be a registered and verified member of a participating financial institution. To be such a member, your identity is well known to them. Thus, your identity inherently connects to any Interac eTransfers you make.

If you were hoping for a more private payment method, may we suggest prepaid cards or crypto currency.

How Fast are Interac eTransfer Deposits?

There are two ways Interac eTransfers can work. The more modern, and much faster version, takes about a minute. This only works if the recipient has set up an Interac eTransfer Auto-Deposit account. Most online casinos these days have done so. But if they haven’t, the process could take closer to 10 minutes.

Traditionally (without Auto-Deposit), an Interac eTransfer would require two parties – the sender and receiver – to participate in the transfer. A communication between these two must take place prior to the payment, followed by additional communications during the transfer. As simple as the process is, this takes time; on average, 5-10 minutes, so long as the recipient is actively responsive.

The sender has to let the recipient know that funds are coming, create a question and answer, and communicate that Q&A with the recipient. Once the payment is initialized, the recipient receives a message, and must respond with the correct answer to the security question. It’s a simple process, really, but it does take time.

Aside from the time it takes to send and receive these communications, Interac eTranfers are very fast. Realistically, it could take anywhere from 30 minutes (for Canadian bank-to-bank) to 4-6 business days (international bank-to-bank) for that money to actually arrive. But your online casino will credit you with that money the moment the transaction is approved.

Cost of Interac E-Transfer Canada – Rates and Fees

Interac does not charge a fee for sending or receiving money via eTransfer. However, your bank likely will. It all depends on which branch you’re with, and the type of account you hold.

For example, TD Bank charges members $0.50 to send up to $100, and $1.00 for any amount over that. If the member has an ‘Every Day‘, ‘Unlimited‘, or ‘All-Inclusive‘ chequing account, the fee is waived. Business accounts, on the other hand, could pay up to $1.50 per eTransfer, depending on their service agreement.

Long story short – Interac is free, but check with your bank to see if it tacks on any fees.

How to Make a Casino Deposit with Interac eTransfer

As I mentioned above, there are two ways to make an Interac eTransfer. One is super quick. The other can take up to 10 minutes. Which one you’ll need to use depends entirely on the casino you deposit with, and if it has set up Interac eTransfer Auto-Deposits.

I’ll provide two sets of instructions below to help you through either process.

Interac eTransfer Casino Deposits – Auto-Deposit Active

This is the quicker, and easier method. If you initiate an Interac eTransfer deposit, and the casino provides you with a phone number or email address, with simple instructions to visit Interac eTransfer and deposit to that phone#/address, the following step-by-step table is for you.

Order of Steps	In Detail
1. Login to Casino	Login to the online casino you want to make a deposit at.
2. Visit the Cashier	Make your way to the Cashier/Banking section of the website.
3. Choose Deposit	Choose to make a deposit.
4. Select Interac eTransfer	From the list of available deposit methods, choose Interac eTransfer.
5. Copy Recipient	The casino uses Interac eTransfer Auto-Deposit, and will provide you with a phone number or email address only. Copy it.
6. Login to your Bank	Open a browser, go to your online banking website and login.
7. Set Up eTransfer	Look for and press on the Interac eTransfer logo. Choose to send money, and enter/paste in the casino’s phone number or email address, as copied in the previous step.
8. Confirm Payment	Enter the amount of money you wish to deposit, double check all your information, then submit the payment.
Success!	Assuming you’ve followed the instructions correctly, the funds should appear in your online casino account within a few minutes at most.

Interac E-Transfer Deposit – Security Q&A Required

If you attempt to deposit, and the online casino provides you with additional information, such as a specific security question and answer; or if you’re directed to contact customer support for more information, the operator does not have an Interac eTransfer Auto-Deposit account set up. If that’s the case, follow these step-by-step instructions.

Order of Steps	In Detail
1. Login to Casino	Login to the online casino you want to make a deposit at.
2. Visit the Cashier	Make your way to the Cashier/Banking section of the website.
3. Choose Deposit	Choose to make a deposit.
4. Select Interac eTransfer	From the list of available deposit methods, choose Interac eTransfer.
5. Follow Instructions	There are two things that could happen here: 1. You’ll be given a mobile phone number or email address, and a security question and answer to use when making your payment. 2. You’ll be asked to contact customer support for further instruction.
5.a Copy Details	If given a security question and answer, copy this information down exactly as it appears, then proceed to Step 6.
5.b Open Live Chat	Open a live chat window. Tell the support rep you want to make an Interac eTransfer deposit, and how much. You will be given a mobile phone number or email address to send the money to. Next, tell the support rep your security question and answer. It doesn’t matter what it is – just make something up. Be careful though, because the text of the answer must match exactly, word for word, case for case.
6. Login to Your Bank	Open a browser, go to your online banking website and login.
7. Set Up eTransfer	Look for and select the Interac eTransfer logo. Choose to send money. Enter the number/email of the casino.

Conclusion

The future looks exceptionally bright for Interac as it takes on its pivotal role operating Canada’s Real-Time Rail (RTR) system. Interac was selected by Payments Canada to design, build, and operate this transformative national infrastructure. As such it will leverage its extensive experience with e-Transfer to create a payment system that will enable truly instantaneous transactions, 24/7/365. This significant vote of confidence from Payments Canada and the Bank of Canada further cements Interac’s position as the backbone of Canadian digital payments.

For the iGaming industry specifically, the RTR implementation promises to revolutionize the already popular Interac casino payment experience. Once fully operational, players can expect even faster deposits and, more importantly, dramatically improved withdrawal times of under 15 seconds. This is a net improvement compared to the current 30-minute delays with standard e-Transfers. This enhancement will give Canadian players unprecedented control over their gaming funds, building upon the existing advantages offered by providers like Gigadat, Payper, and Loonio.