A routing number is the term for

bank code A bank code is a code assigned by a central bank, a bank supervisory body or a Bankers Association in a country to all its licensed member banks or financial institutions. The rules vary to a great extent between the countries. Also the name of ...

s in

Canada Canada is a country in North America. Its Provinces and territories of Canada, ten provinces and three territories extend from the Atlantic Ocean to the Pacific Ocean and northward into the Arctic Ocean, making it the world's List of coun ...

. Routing numbers consist of eight

numerical digit A numerical digit (often shortened to just digit) or numeral is a single symbol used alone (such as "1"), or in combinations (such as "15"), to represent numbers in positional notation, such as the common base 10. The name "digit" origin ...

s with a dash between the fifth and sixth digit for paper financial documents encoded with

magnetic ink character recognition Magnetic ink character recognition code, known in short as MICR code, is a character recognition technology used mainly by the banking industry to streamline the processing and clearance of cheques and other documents. MICR encoding, called the ...

and nine numerical digits without dashes for

electronic funds transfer Electronic funds transfer (EFT) is the transfer of money from one bank account to another, either within a single financial institution or across multiple institutions, via computer-based systems. The funds transfer process generally consists ...

s. Routing numbers are regulated by

Payments Canada Canadian Payments Association, carrying on business under the brand name Payments Canada, is an organization that operates a payment clearing and settlement system in Canada. The Canadian Payments Association was established by the ''Canadian P ...

, formerly known as the Canadian Payments Association, to allow easy identification of the branch location and financial institution associated with an account.

Format

A routing number consists of a five digit ''transit number'' (also called ''branch number'') identifying the

branch A branch, also called a ramus in botany, is a stem that grows off from another stem, or when structures like veins in leaves are divided into smaller veins. History and etymology In Old English, there are numerous words for branch, includ ...

where an account is held and a three digit ''financial institution number'' corresponding to the financial institution. The number is given as one of the following forms, where XXXXX is the transit number and YYY is the financial institution number: * for

MICR Magnetic ink character recognition code, known in short as MICR code, is a character recognition technology used mainly by the banking industry to streamline the processing and clearance of cheques and other documents. MICR encoding, called the ...

-encoded documents * for

s A

leading zero A leading zero is any 0 digit that comes before the first nonzero digit in a number string in positional notation.. For example, James Bond's famous identifier, 007, has two leading zeros. Any zeros appearing to the left of the first non-zero dig ...

is used when formatting a routing number for electronic payments.

Routing symbol

The symbol that delimits a routing number on MICR-encoded paper documents is the E-13B transit character (

Unicode Unicode or ''The Unicode Standard'' or TUS is a character encoding standard maintained by the Unicode Consortium designed to support the use of text in all of the world's writing systems that can be digitized. Version 16.0 defines 154,998 Char ...

value U+2446): ⑆

Transit numbers

Each

in a financial institution is assigned a unique transit number for identification. The format of the transit number may vary by institution. Most institutions use the transit number and branch number synonymously. TD and

Bank of Montreal The Bank of Montreal (, ), abbreviated as BMO (pronounced ), is a Canadian multinational Investment banking, investment bank and financial services company. The bank was founded in Montreal, Quebec, in 1817 as Montreal Bank, making it Canada ...

use four-digit branch numbers, reserving the final digit of the transit number for the geographical location of the branch. While there is variation between institutions, most transit numbers encode geographic region into the last digit using a pattern like: * for

British Columbia British Columbia is the westernmost Provinces and territories of Canada, province of Canada. Situated in the Pacific Northwest between the Pacific Ocean and the Rocky Mountains, the province has a diverse geography, with rugged landscapes that ...

and

Yukon Yukon () is a Provinces and territories of Canada, territory of Canada, bordering British Columbia to the south, the Northwest Territories to the east, the Beaufort Sea to the north, and the U.S. state of Alaska to the west. It is Canada’s we ...

* for western

Quebec Quebec is Canada's List of Canadian provinces and territories by area, largest province by area. Located in Central Canada, the province shares borders with the provinces of Ontario to the west, Newfoundland and Labrador to the northeast, ...

, including

Montreal Montreal is the List of towns in Quebec, largest city in the Provinces and territories of Canada, province of Quebec, the List of the largest municipalities in Canada by population, second-largest in Canada, and the List of North American cit ...

. Some institutions include

Gatineau Gatineau ( ; ) is a city in southwestern Quebec, Canada. It is located on the northern bank of the Ottawa River, directly across from Ottawa, Ontario. Gatineau is the largest city in the Outaouais administrative region of Quebec and is also p ...

here, others group it with

Ottawa Ottawa is the capital city of Canada. It is located in the southern Ontario, southern portion of the province of Ontario, at the confluence of the Ottawa River and the Rideau River. Ottawa borders Gatineau, Gatineau, Quebec, and forms the cor ...

. * for most of

Ontario Ontario is the southernmost Provinces and territories of Canada, province of Canada. Located in Central Canada, Ontario is the Population of Canada by province and territory, country's most populous province. As of the 2021 Canadian census, it ...

, including

Toronto Toronto ( , locally pronounced or ) is the List of the largest municipalities in Canada by population, most populous city in Canada. It is the capital city of the Provinces and territories of Canada, Canadian province of Ontario. With a p ...

and

Southern Ontario Southern Ontario is a Region, primary region of the Canadian Provinces and territories of Canada, province of Ontario. It is the most densely populated and southernmost region in Canada, with approximately 13.5 million people, approximately 36% o ...

* for

Nova Scotia Nova Scotia is a Provinces and territories of Canada, province of Canada, located on its east coast. It is one of the three Maritime Canada, Maritime provinces and Population of Canada by province and territory, most populous province in Atlan ...

Prince Edward Island Prince Edward Island is an island Provinces and territories of Canada, province of Canada. While it is the smallest province by land area and population, it is the most densely populated. The island has several nicknames: "Garden of the Gulf", ...

. Some institutions list

Newfoundland Newfoundland and Labrador is the easternmost province of Canada, in the country's Atlantic region. The province comprises the island of Newfoundland and the continental region of Labrador, having a total size of . As of 2025 the population ...

Labrador Labrador () is a geographic and cultural region within the Canadian province of Newfoundland and Labrador. It is the primarily continental portion of the province and constitutes 71% of the province's area but is home to only 6% of its populatio ...

here. * for

New Brunswick New Brunswick is a Provinces and Territories of Canada, province of Canada, bordering Quebec to the north, Nova Scotia to the east, the Gulf of Saint Lawrence to the northeast, the Bay of Fundy to the southeast, and the U.S. state of Maine to ...

* for eastern

including

Quebec City Quebec City is the capital city of the Provinces and territories of Canada, Canadian province of Quebec. As of July 2021, the city had a population of 549,459, and the Census Metropolitan Area (including surrounding communities) had a populati ...

* for

and its surrounding area. * for

Manitoba Manitoba is a Provinces and territories of Canada, province of Canada at the Centre of Canada, longitudinal centre of the country. It is Canada's Population of Canada by province and territory, fifth-most populous province, with a population ...

and north-western

, including

Thunder Bay Thunder Bay is a city in and the seat of Thunder Bay District, Ontario, Canada. It is the most populous municipality in Northwestern Ontario and the second most populous (after Greater Sudbury) municipality in Northern Ontario. Its population i ...

. * for

Saskatchewan Saskatchewan is a Provinces and territories of Canada, province in Western Canada. It is bordered on the west by Alberta, on the north by the Northwest Territories, on the east by Manitoba, to the northeast by Nunavut, and to the south by the ...

* for

Alberta Alberta is a Provinces and territories of Canada, province in Canada. It is a part of Western Canada and is one of the three Canadian Prairies, prairie provinces. Alberta is bordered by British Columbia to its west, Saskatchewan to its east, t ...

, the

Northwest Territories The Northwest Territories is a federal Provinces and territories of Canada, territory of Canada. At a land area of approximately and a 2021 census population of 41,070, it is the second-largest and the most populous of Provinces and territorie ...

and

Nunavut Nunavut is the largest and northernmost Provinces and territories of Canada#Territories, territory of Canada. It was separated officially from the Northwest Territories on April 1, 1999, via the ''Nunavut Act'' and the Nunavut Land Claims Agr ...

Under this pattern, the first branch of the first bank to have national operations ( Banque de Montréal, 119, rue Saint Jacques,

Montréal Montreal is the List of towns in Quebec, largest city in the Provinces and territories of Canada, province of Quebec, the List of the largest municipalities in Canada by population, second-largest in Canada, and the List of North American cit ...

) would have the branch number 0001, the region number 1 (due to being located in western Québec), and the institution number 001, yielding the MICR code . BMO and TD do not consider the fifth digit of the transit number to be part of the branch number and will not create five-digit codes for different branches which differ only in the final, fifth digit. If Montreal is then the next site (

First Canadian Place First Canadian Place is a skyscraper in the Financial District of Toronto, Ontario, at the northwest corner of King and Bay streets, and serves as the global operational executive office of the Bank of Montreal. At , it is the tallest buildin ...

) is , with remaining permanently unassigned. Likewise, the electronic routing number for a branch of either TD Bank or BMO will start with a , followed successively by the 3-digit institution number, the 4-digit branch number, and the single-digit number for the region in which the bank is located. For example, the routing number of a TD Bank branch with the branch number situated in

Scarborough, Ontario Scarborough (; 2021 Canadian census, 2021 Census 629,941) is a district of Toronto, Ontario, Canada. It is situated in the eastern part of the City of Toronto. Its borders are Victoria Park Avenue to the west, Steeles Avenue (Toronto), Steele ...

, is : tart off nstitution number ranch number ecause the branch is in Ontario RBC also uses four-digit branch numbers, but these include the last digit, with the transit numbers instead being padded with leading zeroes. While some older branches happen to adhere to the pattern above, it has been abandoned for many newer RBC branches, apparently to limit RBC's branch transit numbers to four digits. Desjardins uses all five digits as significant with no region coding in the fifth digit. Most small local

credit union A credit union is a member-owned nonprofit organization, nonprofit cooperative financial institution. They may offer financial services equivalent to those of commercial banks, such as share accounts (savings accounts), share draft accounts (che ...

s use the institution number to indicate a "Credit Union Central" organisation for a specific province; the transit number indicates a specific branch of a specific member institution. As transit numbers are issued arbitrarily or sequentially, multiple branches of the same credit union typically do not get assigned a contiguous block of numbers. While the province may be embedded in the transit number, the info is superfluous; a small Ontario credit union will be regardless of its location in-province.

Financial institution numbers

A selection of institution numbers for major Canadian financial institutions is below.

Directories of routing numbers

maintains the Financial Institutions File (FIF), an electronic directory of routing numbers for all financial institutions in Canada. The FIF is updated weekly and is operated as a fee-based subscription service to member institutions of Payments Canada. A companion free-of-charge directory, the Financial Institutions Branch Directory (FIBD), is also operated by Payments Canada for occasional referencing by the general public. The FIBD is only available in PDF format and cannot be imported into business applications.

Notes

References

{{Bank codes and identification Bank codes Banking in Canada Banking terms

Format

Routing symbol

Transit numbers

Financial institution numbers

Directories of routing numbers

See also

Notes

References