e-Transfer time to load
Colin avatar
Written by Colin
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 ❌

Check out our account limits article here. You'll just need to wait for the limit to open up before more funds can be added again.

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 User Success team for troubleshooting help. 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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