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Missing Reference Code on Your Interac e-Transfer?

If you sent an Interac e-Transfer without including your reference code, don’t worry — your funds are usually still recoverable. Your deposit may simply require manual review before it can be matched to your account.


📬 What You Should Do

If your reference code was missing or incorrect:

Please include:

  • your 1Bitcoin.ca account email

  • the exact amount sent

  • the date and approximate time of the transfer

  • your Interac e-Transfer confirmation number

  • a screenshot of the completed e-Transfer if available

Providing complete information may help speed up the review process.

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⏱️ Processing Time

Once the transfer is reviewed and verified, deposits are typically processed within:

  • 4 business hours during support hours

Business hours:

  • Monday to Friday

  • 9:00 AM – 4:30 PM EST

Processing times may vary depending on:

  • banking status

  • transfer details

  • support volume

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🔍 Why the Reference Code Matters

Your reference code helps automatically match:

  • your e-Transfer

  • your account

  • your deposit request

When the code is missing:

  • the transfer may enter a manual review queue

  • processing delays may occur

This does not usually mean the funds are lost.

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💲 Manual Recovery Fee

If manual recovery or investigation is required:

  • a $25 manual recovery fee may apply

Manual review may include:

  • locating unmatched transfers

  • reviewing payment records

  • manually assigning deposits

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✅ How To Avoid This in the Future

Before sending an Interac e-Transfer:

  • copy your reference code directly from your dashboard

  • paste it into the message or memo field

  • double-check all payment details before submitting

Including the correct reference code helps ensure:

  • automatic processing

  • faster deposits

  • fewer delays


💬 Need Help?

If you still need assistance:

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