[relax88]

Depends on the bank, account type, and the destination for the funds.

My bank requires in-person to send a wire transfer, meaning in person identification at a bank branch with photo ID and PIN.

You can only transfer money on the app within your own accounts or to payees that are in the system (e.g your utility company, insurance company, etc.) or by using interac e-transfers with a limit of ~$1500.

Even if you’re trying to pay your taxes to the Canada Revenue Agency the bill payment system has a limit that I have hit. You can bet that a review process is triggered when that happens as well.

Any deposit of >$10000 from a wire transfer usually triggers a phone call as well where someone will politely ask you if you were expecting the transfer.