Interac e-Transfer times vary by bank, but most complete transfers almost instantly. Sending money from your account is instant, but there is often a slight delay before the recipient gets a text or email. Depending on your bank, that delay may last anywhere from 3 seconds to 3 hours. After your recipient gets the message, the transfer can be completed by them very quickly. Once they open the message, select their bank, log in, choose an account, and type the security code, the transfer will be completed instantly.