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BMO Routing Number Canada 2026 | Transit & Institution Number

Updated

BMO Routing Number

BMO’s institution number is 001 — the first institution number issued in Canada, reflecting BMO’s status as Canada’s oldest bank (founded 1817).

ComponentValue
Institution number001
Transit numberVaries by branch (5 digits)
Routing number formatXXXXX-001
EFT routing format (9 digits)0 + 001 + XXXXX
SWIFT codeBOFMCAM2

Your full BMO routing number is your 5-digit branch transit number + 001.

How to Find Your BMO Routing Number

Method 1: BMO Online Banking

  1. Log in to BMO Online Banking
  2. Click “My Accounts”
  3. Select the account you need the routing number for
  4. Click “Account Details”
  5. Your transit number, institution number (001), and account number will be displayed
  6. Click “Direct Deposit Form” to download a PDF void cheque

Method 2: BMO Mobile App

  1. Open the BMO app
  2. Tap on the account
  3. Tap “Account Details” or the info icon
  4. Transit number, institution number (001), and account number are shown
  5. You can save or share a digital direct deposit form

Method 3: BMO Cheque

On a BMO personal cheque, the numbers at the bottom:

PositionNumberDigits
FirstTransit number5
SecondInstitution number (001)3
ThirdAccount number7–12

Method 4: BMO Branch

Visit any BMO branch with photo ID. A teller can print a void cheque or direct deposit form.

BMO Transit Numbers for Major Branches

Ontario

BranchTransit NumberRouting Number
First Canadian Place, Toronto0001200012-001
Yonge & Bloor, Toronto0234202342-001
Bayview Village, Toronto0277202772-001
Sparks St, Ottawa0758207582-001
Hamilton, James St S0482204822-001
London, Dundas St0578205782-001
Mississauga, Dundas St W0281202812-001
Waterloo, King St1025210252-001

British Columbia

BranchTransit NumberRouting Number
Vancouver, Burrard St0114001140-001
Surrey, 152nd St0140001400-001
Victoria, Douglas St0093000930-001
Kelowna, Harvey Ave0105001050-001

Alberta

BranchTransit NumberRouting Number
Calgary, 7th Ave SW0370003700-001
Edmonton, Jasper Ave0336003360-001
Lethbridge, 3rd Ave S0440004400-001

Quebec

BranchTransit NumberRouting Number
Montreal, St. Jacques St (Main Branch)0001100011-001
Montreal, Ste-Catherine0108101081-001
Quebec City, Laurier Blvd0270102701-001

Prairies

BranchTransit NumberRouting Number
Winnipeg, Portage Ave3348033480-001
Saskatoon, 2nd Ave S3828038280-001
Regina, Scarth St3796037960-001

Atlantic Canada

BranchTransit NumberRouting Number
Halifax, Duke St4029040290-001
Moncton, Main St4152041520-001
St. John’s, Water St4236042360-001

BMO Routing Number for Specific Purposes

PurposeWhat You NeedNotes
Payroll direct depositTransit (5) + 001 + accountVoid cheque or direct deposit form
CRA tax refundTransit (5) + 001 + accountEnter in My CRA Account
CPP / OAS / EITransit (5) + 001 + accountMy Service Canada Account
Pre-authorized paymentsTransit (5) + 001 + accountPAD form
International wire (incoming)SWIFT: BOFMCAM2 + transit + accountProvide to sender
BMO InvestorLine linkInvestorLine has own account numbersCheck BMO InvestorLine platform
Interac e-TransferNot neededUses email or phone

BMO EFT Routing Number (9-Digit Format)

Format: 0 + Institution number + Transit number

Example: 0 + 001 + 00012 = 000100012

Use this 9-digit format when a payroll system or government form requires it.

BMO SWIFT Code for International Transfers

DetailValue
SWIFT/BIC codeBOFMCAM2
Bank nameBank of Montreal
CityMontreal
CountryCanada (CA)

When receiving an international wire to your BMO account, the sender needs:

  1. SWIFT code: BOFMCAM2
  2. Your name (as it appears on the account)
  3. Transit number (5 digits)
  4. Account number (7–12 digits)
  5. Bank address: Bank of Montreal, 129 Rue Saint-Jacques, Montreal, QC H2Y 1L6

BMO Account Types

Account TypeInstitution NumberNotes
BMO Performance Chequing001Standard routing applies
BMO Plus Chequing001Standard routing applies
BMO Premium Rate Savings001Standard routing applies
BMO TFSA Savings001May have different transit than chequing
BMO GIC001Fixed-term; verify account details in online banking
BMO InvestorLine (RRSP, TFSA)001Investment accounts use separate account numbers
BMO US Dollar Account001Uses same institution number but separate account

Troubleshooting

IssueSolution
Form asks for 9-digit routing numberUse EFT format: 0 + 001 + your 5-digit transit
Employer says “001 isn’t a valid institution”Some payroll systems expect 3 digits without leading zeros; try entering just “1” or contact payroll
Transit number doesn’t match my branchYou may have opened the account at a different branch, or your branch merged; check BMO Online Banking
BMO US account routingUS-side BMO Harris accounts use a US ABA routing number, not the Canadian system
International wire not arrivingVerify SWIFT code (BOFMCAM2) and ensure the sender includes your transit + account number
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