<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-09-30</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001109190</issuerCik>
        <issuerName>EFUNDS CORP</issuerName>
        <issuerTradingSymbol>EFD</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001231178</rptOwnerCik>
            <rptOwnerName>BOYLE JOHN J III</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>8501 N. SCOTTSDALE ROAD</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 300</rptOwnerStreet2>
            <rptOwnerCity>SCOTTSDALE</rptOwnerCity>
            <rptOwnerState>AZ</rptOwnerState>
            <rptOwnerZipCode>85253</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock (5,000)</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Restricted Stock Units (800.0000)</value>
                <footnoteId id="F1"/>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>800</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Restricted Stock Units (2588.0662)</value>
                <footnoteId id="F2"/>
            </securityTitle>
            <transactionDate>
                <value>2004-09-30</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1075.8472</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>18.59</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3663.9134</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Option (right to buy)36150.0000</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F3"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F3"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>36150</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>36150</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Restricted Stock Units were granted on February 19, 2004.  The rights will generally vest and be converted into shares of common stock in three equal installments on the three succeeding anniversaries of the date of grant if the holder continues to provide services to the Company through the applicable vesting date.  The vesting of the rights is subject to acceleration upon the approved retirement, death or disability of holder and any change in control of the Company (each of such events being herein referred to as an &quot;Acceleration Event&quot;).</footnote>
        <footnote id="F2">Includes Restricted Stock Units granted on September 30, 2004 in lieu of director's fees.  The units will vest and be converted into shares of the Company's common stock following the termination of the holder's services on the Board.</footnote>
        <footnote id="F3">Options were granted under the Company's Stock Incentive Plan on 6/26/00 (7,692 shares @ $13.00 per share), 01/02/01 (3,846 shares @ $10.5625), 01/02/02 (6,000 shares @ $13.78 per share), 04/01/03 (13,862 shares @ $7.30 per share) and 02/19/04 (4,750 shares @ $16.27 per share).  Each option has a term of 10 years from the date of grant.  One-half of each option granted prior to 2003 vests on each of the two succeeding anniversaries of the date of grant if, subject to certain exceptions, the holder continues to provide services to the Company through the applicable vesting date.  Options granted in 2003 and thereafter vest in three equal annual installments.  The vesting of the options is subject to acceleration upon the occurrence of any Acceleration Event.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>John J Boyle III
by Steven F. Coleman
/s/ Steven F. Coleman</signatureName>
        <signatureDate>2004-10-01</signatureDate>
    </ownerSignature>
</ownershipDocument>

