How to Find Your BMO Routing Number in Canada  (2024)

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How to Find Your BMO Routing Number in Canada (1)

Written by Enoch Omololu, MSc (Econ)

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Routing numbers are used to process both cheques and electronic transactions within banks in Canada. They’re created by combining your transit number and financial institution number, making it easier to identify the individual branches of banks.

This article reviews what routing numbers are in detail and how you can find them online or on a cheque.

Key Takeaways

  • The 9-digit routing number in BMO accurately directs financial transactions to their intended banking destinations.
  • You can find BMO routing numbers through online banking or by combining the transit number and institution number on a cheque in the required routing number format.

Table of Contents Show

What Is A Routing Number?

A routing number is a banking code used by financial institutions to distinguish their individual branches. It is composed of a five-digit transit number, which indicates the specific branch where you opened your bank account, and a three-digit institution number that identifies your bank.

Routing numbers are written in two different formats based on whether your transaction is made electronically or offline.

Here’s a table that shows the two distinct formats of routing numbers, where XXX is the placeholder for the institution number, and YYYYY represents the transit number.

Type Of TransactionRouting Number Format
Electronic Transactions0XXXYYYYY
Paper TransactionsYYYYY-XXX

What Are Routing Numbers Used For?

Routing numbers are crucial for ensuring that the funds transferred between transactions are accurately directed to the intended branch of a financial institution.

For electronic transactions, routing numbers ensure that transfers are automatically directed to the right account. For paper transactions like cheque processing, on the other hand, the routing number makes the verification and fulfillment of transactions more efficient.

How To Find A BMO Routing Number Online

There are multiple ways to find a BMO routing number online. The easiest method is to log in to your online banking account and find your routing number on the “My Accounts” page.

Alternatively, you can visit Payments Canada’s online branch directory, as it has a detailed list of the routing numbers of major Canadian financial institutions.

How To Find A BMO Routing Number On A Cheque

While you can’t directly find BMO routing numbers on a cheque, you can use the numbers written on it to determine your routing number. First, remember that the BMO institution number is 001. Then, simply locate the transit number on the cheque.

Transit numbers are 5 digits long, and they’re the 2nd set of numbers located from the bottom left corner of a cheque. You’ll find your transit number on the left side of BMO’s 001 institution number, so it should be easy to find.

Once you know your transit number and the BMO institution number, simply refer to the table above to know the format in which your routing number should be presented.

How to Find Your BMO Routing Number in Canada (2)

How To Find Your BMO Account Number

You can find your BMO account number through online banking or at the bottom of your check, on the right side of the institution number. Bank account numbers start with “00” and are followed by a 9-digit number.

FAQs

Is a routing number the same as a SWIFT code in Canada?

A SWIFT code and a routing number serve similar purposes of ensuring that transactions are fulfilled accurately. However, they’re not the same as SWIFT codes are for international transactions, while routing numbers are commonly used for domestic transfers in Canada. Both numbers can be used together.

What is the format of a routing number in Canada?

The format of a routing number in Canada differs between offline and online transactions. For paper documents, the routing number is written as YYYYY-XXX, where YYYYY represents the transit number, and XXX is the institution number. For electronic transfers, on the other hand, the code is written as 0XXXYYYYY.

Is the routing number the same as the transit number?

No, they’re different from each other. The transit number shows which branch you opened your bank account at, and it’s used alongside the institution number to make your routing number.

Is the ABA routing number used in Canada?

No, the American Bankers Association (ABA) routing number is not used in Canada. As the name suggests, it’s only used to identify financial institutions within the U.S. banking system.

Related:

  • Bank of Montreal (BMO) Review
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  • Can You Cancel a Bank e-Transfer Once Sent?
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Author

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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How to Find Your BMO Routing Number in Canada  (2024)

FAQs

How to Find Your BMO Routing Number in Canada ? ›

To do this, simply log in to your BMO online banking account, click on the “My Accounts” tab at the top, select the appropriate account on the left side of the page, and you'll see the bank account number. Just like that, you'll know your routing number whenever you need it.

How do I find my routing number BMO Canada? ›

To do this, simply log in to your BMO online banking account, click on the “My Accounts” tab at the top, select the appropriate account on the left side of the page, and you'll see the bank account number. Just like that, you'll know your routing number whenever you need it.

How to find routing number in Canada? ›

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.

What is a 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 BMO transit number 4 or 5 digits? ›

The 4-digit branch number, or transit number, identifies the location of a BMO bank branch. We use this number to help complete a wire payment. The easiest way to get the branch number is from your BMO beneficiary. An account's information is displayed as a series of numbers at the bottom of a cheque.

What is the SWIFT code for BMO Canada? ›

Your BMO branch phone number, address and transit number. Your bank's name: Bank of Montreal. BMO's institution number: 001. BMO SWIFT BIC (if the money is coming from overseas): BOFMCAM2.

Is routing number same as SWIFT code in Canada? ›

SWIFT or routing number? The most significant difference between SWIFT codes and routing numbers is whether a given payment is crossing international borders. If your payment is staying domestic, then the routing number will be used and, if the payment is going abroad, the SWIFT code will take the lead.

How do I find my international routing number? ›

You'll find both your IBAN and your bank's SWIFT or BIC code on your bank statement or in your account details within the secure area of your online bank.

How do I find my bank transit number in Canada? ›

Your bank transit number and institution number can be found at the bottom of a cheque. The transit number (five digits) identifies which branch you opened your account at. The three-digit institution number identifies your bank.

What is the format for bank account number in Canada? ›

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.

How do I make my Canadian routing number 9 digits? ›

If your account number only has nine digits, as on the cheque account number below, simply add two zeros in front, like this: 00123456701. For electronic fund transfers the routing number format is a leading zero, the institution number, and the branch number all with no dashes.

What is the routing number for the bank of Montreal? ›

Account numbers for your deposit accounts will not change unless you are notified otherwise. The routing number for BMO bank accounts is 071025661.

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

For example, in Canada, the transit number is a five-digit code that also identifies the specific bank branch a person holds an account at, or more simply, it is the bank's address number. It is then combined with the bank's institution numbers to form a complete bank routing number.

How do I find my BMO transit number online? ›

Online banking – You'll be able to get your account, institution, and transit number by logging into online banking. Cheque, bank statement or deposit slip – bank-issued cheque or bank statement.

What is the BMO IBAN number? ›

IBAN is an international standard for identifying bank accounts across borders. It was developed to facilitate payments within the European Union and, as such, Bank of Montreal accounts do not have an associated IBAN.

What does BMO stand for? ›

Bank of Montreal, together with its sub- sidiaries, is known as BMO Financial Group. As such, in this document, the names “BMO Bank of Montreal” and the “Bank” mean the Canadian retail banking division of Bank of Montreal, and “BMO Financial Group” and “BMO®” mean Bank of Montreal together with its subsidiaries.

How do I find my routing number online banking? ›

Go online: Your bank may post its routing number online via its website or mobile banking app. Sign in to your bank account and go to “account information” or “account summary.” The routing number should be listed. Some banks post the routing number on the home page of their website or elsewhere on the site.

Is a routing number only 8 digits in Canada? ›

A routing number is the term for bank codes in Canada. Routing numbers consist of eight numerical digits with a dash between the fifth and sixth digit for paper financial documents encoded with magnetic ink character recognition and nine numerical digits without dashes for electronic funds transfers.

Do international banks have a routing number? ›

Do I Need a Routing Number to Make an International Transfer? The USA is the only country that uses Routing Numbers, even when receiving money from a foreign bank account. The majority of countries around the world rely on IBANs for their banks to receive payments from abroad.

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