Can Landlords in Nova Scotia Require E-Transfer Only?

In Nova Scotia, tenants sometimes encounter landlords who ask for rent only by e-transfer. But do you have to use this payment method if you're not comfortable with it? This article explains your rights and options around rent payment methods, and what to do if you have concerns.

Accepted Rent Payment Methods in Nova Scotia

Under Nova Scotia's Residential Tenancies Act, payment arrangements for rent must be clearly stated in your lease agreement. Rent is commonly paid by cheque, cash, e-transfer, or money order, but the law does not currently restrict landlords to accepting only one method.

• If your lease says "e-transfer only," raise questions before signing if that's not workable for you.
• If you already live in the unit, changes to payment methods generally require your consent.

Landlords can't force tenants to pay only by e-transfer unless the lease specifies this at the start and both parties agree. Having multiple payment methods is best to prevent disputes.

What If You Can’t Pay by E-Transfer?

If you do not have online banking or feel unsafe using e-transfers, you have the right to request an alternate method, such as:

• Certified cheque
• Money order
• Cash (best to get a receipt for every payment)

Always get a written receipt for any rent, regardless of payment method. This protects both you and your landlord.

For more on your rights and responsibilities concerning rent payments, see Tenant's Guide to Paying Rent: Rights, Responsibilities, and Tips.

Tenant Rights: Changes to Rent Payment Methods

If your landlord tries to change the agreed method of rent payment after your lease begins, they generally need your agreement. A landlord can't unilaterally deny you the ability to pay by cheque or other methods if this was previously accepted.

Disputes about payment methods can be taken to the official tribunal for Nova Scotia: Residential Tenancies – Service Nova Scotia.

How to Respond if Pressured to Use E-Transfer Only

• Politely inform your landlord in writing why you cannot use e-transfer.
• Suggest alternative methods, referencing your lease or the Act.
• If necessary, contact Nova Scotia’s Residential Tenancies Program for guidance.

Keeping communication clear and in writing can help resolve these concerns quickly.

Relevant Forms: Rent Payment Disputes and Applications

If you and your landlord cannot agree on how rent should be paid, you can seek help from the tribunal. Key forms include:

• Application to Director (Form J): Used if you want the Residential Tenancies Director to resolve a dispute, such as a conflict over payment methods.
  Find it here: Application to Director (Official Form J).
  Example: Use this form if your landlord is refusing to accept a reasonable payment method not barred by law or your lease.

Other Rent-Related Rights and Responsibilities

Your lease also covers deposits and payment timelines. For more details on legal deposits, read Understanding Rental Deposits: What Tenants Need to Know.

For province-wide tenant protections, visit Tenant Rights and Landlord Rights in Nova Scotia.

Where to Find Rentals with Flexible Payment Methods

Looking to move? Houseme - your rental solution in Canada makes it easier to browse listings where you can ask landlords about available payment options before you sign a lease.

FAQ: Paying Rent in Nova Scotia

1. Can my landlord refuse cash or cheque and demand e-transfer only?
   No. Unless your lease says otherwise and you agreed when you signed, landlords can’t demand only e-transfer. They should offer reasonable alternatives if needed.
2. What if my landlord won't give me a receipt for rent?
   Under Nova Scotia law, tenants have the right to a written receipt for payments. Always ask for one and document your request.
3. Is it legal for my landlord to change how I pay rent mid-lease?
   Not unless you consent. Any change should be agreed upon in writing by both landlord and tenant.
4. Where do I complain about payment method disputes?
   Contact Nova Scotia’s Residential Tenancies Program by phone or online, or fill out Form J to escalate a dispute.
5. Do I have to pay rent by automatic withdrawal?
   No. Automatic withdrawals are optional and must be mutually agreed upon, not imposed by the landlord.

Key Takeaways

• Landlords in Nova Scotia cannot require e-transfer only for rent unless both parties agree.
• You have the right to request a reasonable payment method that works for you.
• Put your agreed payment method in writing within your lease for protection.
• For unresolved disputes, apply to the Residential Tenancies Program for help.

Need Help? Resources for Tenants

• Residential Tenancies – Service Nova Scotia: Official government support and dispute resolution.
• Phone: 1-800-670-4357 or 902-424-5200 (in Halifax Regional Municipality)
• Legal Info Nova Scotia: Free legal information and resources
• Nova Scotia Tenants Rights Group (local advocacy): Search for community tenant support in your area.

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1. Residential Tenancies Act, S.N.S. 1990, c. 418. Available at: Residential Tenancies Act (Nova Scotia Legislature)
2. Residential Tenancies Program – Service Nova Scotia: Official government information and forms
3. Application to Director (Form J): Tenancy Application Form J

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