Did you mean interac? If not, could you provide more context please?
Probably Interac E-Transfer, yeah. I can’t think of any other. I use it all the time. Free. You send it to an email address, and then the recipient accesses it through their bank account with the password you gave them. Max $3000. Can sometimes take 10 mins to appear so it’s not great if you’re standing there trying to buy an CX990 elliptical from someone…
It is not universally free unfortunately.
Which banks still charge for it? Tangerine, Scotia, and RBC have it for free at least.
Simplii is also free.
I think Royal and Desjardins charges
I have the basic $4 RBC account and it's free for me.
Free for Desjardins too.
I don't know about the banks but some credit union accounts have a fee for it.