How to transfer money to your RRSP, FHSA or TFSA using ATB Personal

Learn how to contribute to your ATB RRSP, FHSA or TFSA cash accounts by transferring money quickly and easily using the ATB Personal banking website.

Using the ATB Personal app instead?

Learn how to transfer money to your RRSP, FHSA or TFSA cash accounts quickly and easily using the ATB Personal app.

  1. Log in to ATB Personal.
  2. From the Overview screen, click Move Money in the primary navigation.
    1. Or you can click the Transfer quick link under any deposit account.
  3. From the Move Money menu, click Account transfers.
  4. On the Account transfers screen, in the One-time transfer tab, select the deposit account you want to make the transfer From.
  5. Select the RRSP, FHSA or TFSA cash account you want to make the transfer To.
  6. Enter the Amount you want to transfer.
    1. To avoid paying any penalties, be careful not to exceed your maximum contribution limit for the year. You can confirm your limit by reviewing your notice of assessment or by contacting the Canada Revenue Agency.
      Find your RRSP deduction limit | More on TFSA contributions | Find the FHSA contribution limit
  7. Leave the transfer date (When) as is or schedule a one-time transfer in the future by changing the date.
    If you want to set up recurring pre-authorized contributions (PACs):
    1. Click the Recurring transfer tab.
    2. If desired, change the Amount you want to transfer.
    3. Select the transfer Frequency.
    4. Indicate the Starting date by clicking the date shown. It will launch a calendar view where you can pick your preferred start date.
    5. Decide when your recurring transfer will end:
      1. If Never, transfers will continue to be made automatically until you stop them.
      2. If End date, pick when you want the final transfer to be made from the calendar view. The resulting number of transfers will show up.
      3. If Number of transfers, enter the number of desired transfers. The resulting end date will show up.
  8. Click Next.
  9. Review and verify the transfer information.
  10. Click Send to complete the transfer.
  11. You’re all done.

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Get bonus interest for a limited time

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    FHSA Daily Interest Account 

    The bonus offer is available on net new funds deposited into a new or existing FHSA Daily Interest Account between September 15, 2025 and February 28, 2026. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers.

    Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution

    The up to 2.80% interest rate is the combination of the base interest rate of up to 0.80% on a FHSA Daily Interest Account with the 2.00% bonus offered on net new deposits.

    Tax-Free Saver Account 

    he bonus offer is available on net new funds deposited into a new or existing Tax-Free Saver Account between September 15, 2025 and February 28, 2026. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers.

    Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution

    The up to 2.70% interest rate is the combination of the base interest rate of up to 0.50% on a Tax-Free Saver Account with the 2.20% bonus offered on net new deposits.

    RRSP Daily Interst Account 

    The bonus offer is available on net new funds deposited into a new or existing RRSP Daily Interest Account between September 15, 2025 and February 28, 2026. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers.

    Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution

    The up to 2.70% interest rate is the combination of the base interest rate of up to 0.50% on a RRSP Daily Interest Account with the 2.50% bonus offered on net new deposits.

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