https://wealthnorth.ca/banking/routing-numbers/Recent content in Bank Routing Numbers in Canada: Transit & Institution Numbers (2026) on WealthNorthHugo -- gohugo.ioen-caTue, 26 May 2026 11:25:01 -0400https://wealthnorth.ca/banking/routing-numbers/how-to-find-routing-number-canada/Thu, 14 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/how-to-find-routing-number-canada/You need your routing number — the combination of your transit number and institution number — to set up direct deposit for payroll or government benefits, authorize pre-authorized payments, or receive a wire transfer. This guide shows you exactly where to find it for every major Canadian bank. Method 1: Look at the Bottom of a Personal Cheque If you have a personal chequebook, your routing information is printed at the bottom in MICR (magnetic ink character recognition) font.https://wealthnorth.ca/banking/routing-numbers/national-bank-routing-number/Thu, 14 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/national-bank-routing-number/National Bank of Canada (Banque Nationale du Canada) is Canada’s sixth-largest bank by assets and the dominant bank in Quebec. If you have a National Bank account and need to set up direct deposit, authorize a pre-authorized debit, or provide banking information to the CRA, here is everything you need to know. National Bank Institution Number Institution number: 006 This 3-digit number identifies National Bank of Canada within Canada’s payment network.https://wealthnorth.ca/banking/routing-numbers/routing-number-vs-account-number-canada/Thu, 14 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/routing-number-vs-account-number-canada/When you set up direct deposit, authorize a pre-authorized payment, or send a wire transfer in Canada, you need to provide two separate pieces of banking information: a routing number and an account number. Many people use these terms interchangeably, but they refer to different things and serve different purposes. Routing Number: Where Your Bank Is Your routing number identifies your financial institution and branch within the Canadian payment system. In Canada, this is not a single number but two numbers used together:https://wealthnorth.ca/banking/routing-numbers/what-is-a-routing-number-canada/Thu, 14 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/what-is-a-routing-number-canada/Canada does not use the term “routing number” as formally as the United States, but the concept is the same: a series of numbers that identify your bank and branch so that electronic payments can be directed to the right place. In Canada, this information is split into two separate numbers — the transit (branch) number and the institution number. What Is a Transit Number? The transit number (also called the branch number) is a 5-digit code that identifies the specific branch of your bank where your account was opened.https://wealthnorth.ca/banking/routing-numbers/bank-routing-numbers-canada/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/bank-routing-numbers-canada/Canadian Bank Routing Numbers A Canadian bank routing number identifies your specific bank and branch. Every bank account in Canada has a routing number composed of two parts: Component Digits What It Identifies Example Transit number 5 digits Your specific bank branch 10002 Institution number 3 digits Your bank 004 (TD) Combined routing number 8 digits Your bank + branch 10002-004 You need your routing number for direct deposit, pre-authorized payments, wire transfers, tax refunds from CRA, and interbank transfers.https://wealthnorth.ca/banking/routing-numbers/bmo-routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/bmo-routing-number/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). Component Value Institution number 001 Transit number Varies by branch (5 digits) Routing number format XXXXX-001 EFT routing format (9 digits) 0 + 001 + XXXXX SWIFT code BOFMCAM2 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 Log in to BMO Online Banking Click “My Accounts” Select the account you need the routing number for Click “Account Details” Your transit number, institution number (001), and account number will be displayed Click “Direct Deposit Form” to download a PDF void cheque Method 2: BMO Mobile App Open the BMO app Tap on the account Tap “Account Details” or the info icon Transit number, institution number (001), and account number are shown You can save or share a digital direct deposit form Method 3: BMO Cheque On a BMO personal cheque, the numbers at the bottom:https://wealthnorth.ca/banking/routing-numbers/cibc-routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/cibc-routing-number/CIBC’s institution number is 010. This three-digit code identifies CIBC on every Canadian electronic funds transfer and is the same for every CIBC branch and account in the country. Your complete routing number combines this institution number with your five-digit branch transit number — the transit number is what changes depending on which branch holds your account. The routing number format used on Canadian cheques and most direct deposit forms is written as XXXXX-010 (transit number first, institution number second).https://wealthnorth.ca/banking/routing-numbers/rbc-routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/rbc-routing-number/Every Canadian bank account has three numbers that identify it in the payments system: a transit number (branch identifier), an institution number (bank identifier), and an account number. Together these route money to exactly the right account at exactly the right branch of the right bank. For RBC Royal Bank, the institution number is always 003 — it is the same for every RBC account across Canada. The part that varies is your 5-digit branch transit number, which identifies the specific branch where your account was opened.https://wealthnorth.ca/banking/routing-numbers/scotiabank-routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/scotiabank-routing-number/Every Scotiabank account is identified in the Canadian payments system by three numbers: a transit number (your specific branch), an institution number (Scotiabank’s fixed identifier), and an account number. For Scotiabank, the institution number is always 002 — identical for every account at every branch across Canada. What varies is your 5-digit transit number, which identifies the branch where your account was originally opened. One important clarification before anything else: Tangerine is owned by Scotiabank but operates as a completely separate bank with its own institution number (614).https://wealthnorth.ca/banking/routing-numbers/td-routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/routing-numbers/td-routing-number/Every TD Canada Trust account is identified in the payments system by three numbers: a transit number (your specific branch), an institution number (TD’s fixed bank code), and your account number. For TD, the institution number is always 004 — the same for every account at every branch across the country. What varies from account to account is your 5-digit branch transit number, which identifies where the account was originally opened.