With the KOHO Everything plan, e-Transfers sent from KOHO are instant! While the e-Transfer is instant, it may take up to 30 minutes for your recipient to receive the notification to deposit the funds.
For all other e-Transfers, it can take anywhere from 90 minutes to 3 hours for the recipient to receive the funds once sent!
If you find that it's taking longer than that, this typically means the transfer has been held for Interac review. It will be released in a few hours. It's also normal for e-Transfers from KOHO to take an additional hour or two to send on high-volume days (we're working on improving this experience!).