e-Transfer time to load
Updated over a week ago

How long will it take to see the e-Transfer loaded to your account?

You should see your e-Transfer loaded within a few minutes ⚡️

Why hasn't my e-Transfer loaded yet?

There are a few reasons why your e-Transfer hasn't been loaded to your KOHO account just yet. Check these out 👇

1. There was a typo in your unique email address ✏️

It's super important that you copy and paste your unique e-Transfer email exactly as it appears in your KOHO app when adding KOHO as a contact with your financial institution. Double-check for any typos and make sure to cancel and re-send the e-Transfer to the correct email address if you noticed there was an error.

2. The financial institution the e-Transfer was sent from has it on hold ⏱

Double-check with the sending bank to see if everything is clear on their end. We recommend contacting them directly and lifting any holds.

3. The e-Transfer hit an account limit ❌

Make sure to verify that you have not exceeded your account limits. You can review your account limits directly in-app by tapping on the profile icon (top left) > Account velocity limits.

4. Check that your bank supports auto-deposit.

Any e-Transfers that are not auto-deposit enabled can take up to 30 minutes.

Here is a list of the most common banks and Credit Unions that do not support auto-deposit:

  • Desjardins

  • Manulife Bank of Canada

  • Laurentian Bank of Canada

  • Caisse populaire Alliance limitée

  • UNI Financial Cooperation

  • Tignish Credit Union Ltd

  • Access Credit Union

Still no luck?

You can reach out to our support team for troubleshooting help through our in-app support or on Web. They'll just need you to include the following information in your message:

  • The email address the funds were sent to

  • The date it was sent

  • The amount of the e-Transfer

  • A screenshot of the pending e-Transfer as it appears on your bank's portal (super helpful!)

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