I live in Canada. I use Tangerine (formerly ING Direct). Tangerine is the "direct banking" division of Scotiabank; it has no monthly fees but also no tellers.

They let me send "Interac email money transfers", which cost $1 each. They also let me send "Tangerine email money transfers", which are free but slower.

I sent a "Tangerine email money transfer", but the recipient still hasn't received the email yet. What gives?


I phoned Tangerine; they enlightened me.

  • It generally takes 2 hours for the email to arrive.

  • Next, the recipient must open the email, click the link, and enter their bank account number. They'll generally receive the money 2-3 business days after that.

This forum post suggests that the delays are due to systemic risk management, tendering, and clearing.

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    ...I can't help but feel that this is a perfect way to teach people how to fall victim to scammers. – a CVn Nov 13 '17 at 10:08

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