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Does the Canada Revenue Agency Send e-Transfers?

Victoria Morrison

No, the CRA doesn't send or receive payments using e-Transfers. Any email or text message claiming to be from the CRA asking for payment or offering a refund is a scam. Ignore and delete it, and don't click on links or attachments.  

Email scams are rampant and diverse. Mass email scams are easy to send out by the millions, and usually, resemble alerts or good news from a financial institution or the CRA. The Canadian Anti-Fraud Centre offers detailed information on its Fraud Types page. Among email and text message scams, "phishing" techniques are most common‚ more on phishing below. 

These days, online email services are much more effective at deleting mass scam emails and garden variety spam. Most of these messages never make it to your inbox. Email services like Gmail and Outlook are good at catching suspicious emails. But if you use an ISP (such as Videotron, Cogeco, TekSavvy), and an older system with a desktop email app, you won't benefit from the same level of security. 

In fact, there's a higher risk of downloading viruses and spam. Less computer-savvy people may not easily recognize e-Transfer and other financial scams in their email and text messages. 

Switching to a comprehensive email platform like Gmail or Outlook online makes sense, even for small businesses and the self-employed. Here's why: 

  • The leading global email services are more secure than smaller email providers and ISPs.  
  • Junk and spam messages don't make it to your inbox or end up in a spam folder.  
  • They check your attachments for viruses and malware before you can download them. 
  • You can access all your emails from any web browser or phone. Outages are rare and providers back up your email across multiple servers and locations.   
  • Sharing and collaboration are easier thanks to cloud storage integration. 

Does the Canada Revenue Agency send e-Transfers?

The CRA doesn't send or receive payments using e-Transfers. It only makes direct deposits to the bank account you provided when you signed up for the service. Otherwise, you'll get a cheque in the mail. 

According to Interac's fraud page, "The Canada Revenue Agency (CRA) does NOT use the Interac e-Transfer service to collect or disburse payments. If you receive an email stating that the CRA is trying to send you money or verify personal information, do not respond." 

Visit the CRA's website to see examples of e-Transfer scam emails. The CRA also makes the following statement: "The Canada Revenue Agency (CRA) will never send or request e-Transfers of any kind. The CRA will only send you payments by direct deposit or by cheque in the mail. If you receive an e-Transfer claiming to be from the CRA like the example below, it's a scam!"

Email scams are commonly known as "phishing" scams. Frequently, criminals present official-looking information to hook victims and make them click on a link that opens a web page. The page asks visitors to enter financial and personal information. Indeed, it's a "fishing" expedition for credit card numbers and personal information, used for identity theft or resale.

How to recognize basic phishing scams

If you move your mouse cursor over a link in a scam email (without clicking on it), there's a good chance the link displayed will be some strange web address. That's a clear sign of a scam. For example, if you move your mouse over "," you should be able to see the underlying address, "" Anyone can make a scam web address look genuine by manipulating its display text (name) in the email. 

Other scams might only change one letter of a genuine web link, which is harder to detect. For example, in "," the link and underlying address are the same and look legitimate. But we replaced "bmo" with "bom," which has nothing to do with the Bank of Montreal.

scam concept photo of fingers typing on laptop with scam on screen

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Awareness is key

Here are some basic tips to help you recognize email and text message scams: 

  • Beware of emails and text messages asking you to click on an attachment or link. 
  • Beware of messages containing a link to a prize or a refund, or asking you to make an urgent account payment, or to confirm or update your information.  
  • Look out for spelling and grammatical errors, and emails that don't look professional. Scam emails often contain obvious mistakes and poor graphics. 
  • Check links in suspicious emails by moving your mouse cursor over them to reveal the actual web address. 
  • Do not click or open any attachments; they can contain viruses and spyware. 
  • Go with your gut. If an email seems fishy, or "phishy", it probably is. 

Your first line of defence is to delete emails and links that ask you to log in, enter information or open attachments. Also ignore messages from recipients you don't know, or that demand or promise money or refunds. 

The CRA publishes extensive information on how to protect yourself from fraud. The CRA says it will never: 

  • Give or ask for personal or financial information by email and ask you to click on a link. 
  • Email you a link asking you to fill in an online form with personal or financial details. 
  • Send you an email with a link to your refund or an e-Transfer. 
  • Demand immediate payment by e-Transfer, bitcoin, prepaid credit cards or gift cards from retailers such as iTunes, Amazon, or others. 
  • Threaten you with arrest or a prison sentence. 

Official business transmitted by mail

The CRA only uses email to notify taxpayers when a document or notice is available. You must sign up to receive notifications. The only time you would get an email link is after asking an agent for a form or publication and giving out your email address. The CRA does not communicate via text message for any reason. In How to spot a phishing scam from the so-called taxman, offers a useful compilation of e-Transfer scam examples and genuine CRA emails. 

The CRA also has a list of common-sense questions to ask yourself before acting: 

  • Am I expecting money from the CRA? 
  • Am I confident I know who is asking for the information? 
  • Are they asking for information I know the CRA already has on file for me? 
  • How did they get my email address? 
  • Does this sound too good to be true? 

How to report CRA scams

If you are the victim of an email scam demanding payment or promising a refund, you can contact the Canadian Anti-Fraud Centre (CAFC) online or call 1-888-495-8501 during business hours. If you have online access to your government account, you can report a scam to the CAFC using your existing government login. The CAFC is jointly managed by the RCMP, the Competition Bureau and the OPP.  

If you lost money in a tax scam, you'll need to report it to police authorities, as it's a criminal matter, and not something the CRA can act on. Police forces have cyber-crime divisions that deal with online crimes. Consequently, you may get a case number and follow-ups from cyber-crime specialists in your area. You can also report an incident to the CAFC.

The CRA doesn't handle email scam reports. It only shares information with the CAFC and law enforcement agencies about scams and alerts the public on its website and through the media.  

If you receive a CRA email or text message scam offering a refund or demanding payment, do not respond. Instead, do the following:  

  • Ignore and delete. The CRA only emails taxpayers to notify them of the availability of documents, or in response to a taxpayer request. It does not send text messages.  
  • If you're unsure about tax balances or refunds, call the CRA to check if you owe any money, or use their online or phone services. 
  • If you do owe the CRA money, you'll receive a notice of assessment by mail and through your CRA account online.  
  • Even if you file your taxes late, you won't get emails or text messages demanding payment.  

The CRA's main phone number for individual taxpayer questions is 1-800-959-8281. The website also lists several other essential CRA phone numbers

What happens when you report a tax scam to the CRA?

If someone contacts you through a message or phone call pretending to be a CRA agent and demanding payment, your first line of defense is the police. Most police forces have cyber-crime divisions and you would likely hear from these specialists if you're a victim. 

If you receive an email or text message demanding payment from the CRA, you can safely ignore it since it's a scam. Still not sure? You can contact the CRA or log into your CRA account to confirm any payments due or refunds.

If you suspect illegal access to your tax information, contact the CRA immediately. Thereupon, the CRA can disable online access to your information and services and help you change your CRA user ID or password.

According to the CAFC, people can report phishing and other email scams through the Spam Reporting Centre. They can also contact the enforcement departments of the CRTC, the Competition Bureau and the Office of the Privacy Commissioner of Canada.  

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