What is a Routing Number in Canada and Where To Find Yours? (2024)

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What is a Routing Number in Canada and Where To Find Yours? (1)

Written by Enoch Omololu, MSc (Econ)


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You may have been asked to provide a routing number for your bank account when setting up a deposit payment, bill payment, or wire transfer.

This 8- or 9-digit number or bank code is managed by Payments Canada, and it is like the American Bankers Association (ABA) routing numbers in the U.S.

Read on to learn how routing numbers work and where to find yours.

Table of Contents Show

What is a Routing Number?

In Canada, a bank routing number comprises three digits, its “institution number” and a five-digit “transit number.”

The institution number uniquely identifies the bank or financial institution, such as:

  • BMO: 001
  • Scotiabank: 002
  • RBC: 003
  • TD: 004
  • CIBC: 010

The transit number refers to the specific branch where your account is held.

What is a Routing Number in Canada and Where To Find Yours? (2)

For example, using the cheque example above for a BMO account, your routing number is a combination of the institution number (001) and transit number (27601), plus a lending zero (0).

Routing number = 000127601.

This 9-digit routing number is the format used for electronic payments and transfers.

A routing number can also be written in a “Transit Number – Institution Number” format when it is meant for MICR – encoded paper payments.

Using the BMO cheque example, your routing number is 27601-001.

Related: The Best Canadian Banks.

What is a Routing Number in Canada and Where To Find Yours? (3)

How To Find Your Bank’s Routing Number

One of the easiest places to find your routing number is on your personal cheque.

The institution number, transit number, and bank account numbers are all listed at the bottom of each cheque.

You could also find your routing number on a bank statement, online banking account, deposit slip, and by contacting your bank’s customer service.

If you don’t have a chequebook, you can also download or print off a void cheque from your Online Banking account, and it will have the necessary details.

Lastly, you can search for the routing number specific to a bank’s branch address using this listby Payments Canada.

Related:Interac e-Transfer Limits.

What Are Routing Numbers Used For?

Routing numbers come in handy when you are setting up:

  • Direct deposits
  • Pre-authorized debits
  • Wire transfers
  • Transfers between accounts at different banks

You don’t need a routing number to complete an Interac e-Transfer or when using your credit card.

Routing Number FAQ

What is my bank’s financial institution number?

A bank’s institution number is a 3-digit number that identifies a bank. You can find a complete list of Canadian bank codes here.

Is the routing number the same as the transit number?

No, a routing number in Canada is 8-9 digits long, while transit numbers are made up of 5 digits and refer to the bank branch.

Is the routing number the same as my account number?

No. Your account number is a 7–12-digit number that uniquely identifies your bank account. It is not included in your bank’s routing number.

Does a bank’s routing number change?

A bank’s routing number rarely changes; however, it is possible to have a different routing number if a bank branch closes or the bank is acquired by another financial institution.

Do Canadian banks use routing numbers?

Yes, banks in Canada use an 8-9 digit number for some electronic and paper transactions and to identify which banks are involved in the transaction.


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Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others. Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners. You can read his full author bio.

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What is a Routing Number in Canada and Where To Find Yours? (2024)


What is a Routing Number in Canada and Where To Find Yours? ›

How do I find my routing number? The routing number is found at the bottom of the cheque. The first three numbers are the cheque number, the next five numbers make up the transit number and the final three are the institution number. Combine the transit and institution numbers to get your routing number.

How to find routing number in Canada? ›

Look at the bottom of the cheque and notice the three groupings of numbers. On the far left will be the individual cheque number. The routing number is in the middle, which is broken up into the branch number and institution number. On the right is your account number.

Where will I find my routing number? ›

The fastest way to find your routing number is to look at the bottom of one of your personal checks. The routing number is the nine-digit number printed in the bottom left corner of each check.

What is the 9-digit transit number in Canada? ›

If you have a Canadian bank account, you can find your transit code on check in the bottom left corner of your check. It should be a 9-digit number that identifies the branch where you opened your account. This number is also sometimes referred to as the branch transit number or routing number.

Is the Canadian clearing code the same as the routing number? ›

Canadian Clearing Code (CC) is a 9-digit code made up of the 4-digit financial institution number followed by the 5-digit transit number where the account is held. The 6-digit routing number used by participants of the Clearing House Interbank Payments System (CHIPS).

What is the format of a bank account number in Canada? ›

Ways to find your transit number and account number

Find the number associated with your deposit or Personal Line of Credit account which appears in the format xxxxx-yy-yyyyy: the first 5-digit number [xxxxx] is the transit number and the last 7-digit number [yy-yyyyy] is the bank account number.

What is a SWIFT code in Canada? ›

The SWIFT code is a format of your BIC (Bank Identification Code), and the two terms are used interchangeably. SWIFTs or BICs are unique identification codes for the particular bank that holds your account.

What routing number is 102000076? ›

Find the Wells Fargo routing number by state
47 more rows

What routing number is 102001017? ›

The routing number for Chase in Colorado is 102001017 for checking and savings account. The ACH routing number for Chase is also 102001017. The domestic and international wire transfer routing number for Chase is 21000021.

What is the routing number 256074974? ›

Navy Federal's Routing/ABA Number (256074974) Navy Federal's address: 820 Follin Lane SE, Vienna, VA 22180.

What is the difference between transit number and routing number in Canada? ›

Transit numbers are part of routing numbers. A transit number is like the specific bank branch's address, but a routing number combines the name of the bank plus the specific branch.

What is Canada Transit account number? ›

A transit number—which can also be called a branch number—is a five-digit number that when combined with a bank institution number and your account number, provides the exact address of your bank account. You need these numbers whenever you set up a new payment process.

How to read Canadian bank account number? ›

The institution number - three digits - identifies your bank. The transit number - five digits - shows which branch you opened your account at. The account number - seven to twelve digits - identifies your individual account.

How to receive money from the US to Canada? ›

  1. Bank account. Loved ones back home can receive money from the US directly if they hold bank accounts with the likes of Royal Bank of Canada and Bank of Toronto. Explore your options.
  2. Cash pickup. Our Canadian agent locations are ideal for receiving money from the USA in cash. There are more than 2,7001 across the country.

Which routing number do I use for international transfer? ›

An ACH (Automated Clearing House) routing number or ABA (American Bankers Association) routing number is a nine-digit ID that's only used for domestic transfers in the US. If you're looking to send an international transfer to or from the US, you'll need the US bank's routing number, as well as the SWIFT code.

What information is needed for a wire transfer in Canada? ›

Your branch needs the following information about the recipient:
  • name as spelled on the account.
  • address.
  • financial institution information, including: ...
  • the financial institution's SWIFT Business Identifier Code if available.
  • the amount of the payment.
  • the value date (YY/MM/DD format)

Are routing numbers used internationally? ›

An ACH (Automated Clearing House) routing number or ABA (American Bankers Association) routing number is a nine-digit ID that's only used for domestic transfers in the US. If you're looking to send an international transfer to or from the US, you'll need the US bank's routing number, as well as the SWIFT code.

What is the CIBC Canada routing number? ›

Transit number for Canadian Imperial Bank of Commerce.
Routing numberTransit number (MICR)City
10 more rows

How to check Canada transit number? ›

How to find the bank transit number on a cheque. To read the bank transit number on a cheque, look for a row of numbers at the bottom and follow this guidance: The first number, from left to right, is the cheque number. The second number, which is five digits long, will be your bank transit number.

Is the routing number the same as the SWIFT code? ›

The biggest difference is that routing numbers are used for transfers domestically instead of the internationally used SWIFT code. Each nine-digit routing number consists of two different codes and a check digit.


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