How do I find my routing number in Canada?

The easiest ways to find your routing number in Canada are: (1) Look at the bottom of a personal cheque — the transit number and institution number appear in MICR font. (2) Log in to your bank's online banking and navigate to your account details. (3) Download a void cheque or direct deposit form from your bank's app. (4) Call or visit your bank branch. Most banks clearly label this information in their digital banking apps, so a physical cheque is often not necessary.

What is BMO's routing number?

BMO's institution number is 001. The transit number depends on which branch your account was opened at. You can find your specific transit number in BMO online banking under Accounts → Account Details, or on a BMO void cheque or direct deposit form.

What is TD's routing number?

TD Canada Trust's institution number is 004. The transit number varies by branch. Find your transit number in TD online banking under Accounts → Manage → Direct Deposit Info, or on the bottom of a TD cheque.

What is RBC's routing number?

RBC's institution number is 003. The transit number depends on your branch. Find it in RBC online banking under Accounts → Account Details, or on a void cheque.

What is EQ Bank's routing number?

EQ Bank's institution number is 623 and the transit number is 00052. Since EQ Bank has no physical branches, all accounts use the same transit. In EQ Bank's app, go to your account and select "Direct Deposit / Account Info" to get a pre-filled form.

Can I find my routing number without a cheque?

Yes. Every major Canadian bank shows your transit and institution numbers in their online banking platform or mobile app under account details. Most banks also let you generate a void cheque image or direct deposit PDF without needing a physical chequebook.

How to Find Your Routing Number in Canada (Transit + Institution Number)

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.

Reading the bottom of a Canadian cheque, left to right:

⑈ TTTTT ⑈  III  ⑈  AAAAAAA

TTTTT = your 5-digit transit (branch) number
III = your 3-digit institution number
AAAAAAA = your account number

The numbers in MICR font look slightly different from standard digits — they have a distinctive square, blocky appearance. The transit and institution numbers are enclosed by the ⑈ symbol.

To provide this for direct deposit: Institution number + transit number together form your routing reference, plus your account number.

Method 2: Find It in Online Banking or Your Bank’s App

This is the most practical method if you do not have cheques. Here are the steps for each major Canadian bank:

RBC Royal Bank

Log in to RBC Online Banking
Select the account you want
Click Account Details
Look for “Branch Transit Number” and “Institution Number”
You can also download a Direct Deposit form (PDF) from this page

TD Canada Trust

Log in to TD EasyWeb
Select Accounts → your account
Click Manage → Direct Deposit Info
Your transit number, institution number (004), and account number are displayed
You can print a direct deposit form from this page

BMO (Bank of Montreal)

Log in to BMO Online Banking
Select your account
Click Account Details
Your transit number and institution number (001) are listed
A void cheque image may also be available

Scotiabank

Log in to Scotia Online
Click My Banking → your account
Select Account Details
Transit and institution numbers are listed here

CIBC

Log in to CIBC Online Banking
Select the account
Click Account Details
Select View Void Cheque or Direct Deposit Info
Transit number, institution number (010), and account number appear

Tangerine

Log in to Tangerine Online Banking
Select your account
Click Account Details
Transit number, institution number (614), and account number are displayed
Download a direct deposit form from this page

Simplii Financial

Log in to Simplii online banking (or via CIBC’s platform)
Select your account
Navigate to Account Details or Direct Deposit Info
Institution number is 010 (Simplii uses CIBC’s infrastructure)

EQ Bank

Log in to EQ Bank app or website
Select your EQ Bank account
Tap Account Details or Direct Deposit / PAD Info
Transit: 00052, Institution: 623
A pre-filled direct deposit form is available to download

Desjardins

Log in to AccèsD
Select your account
Go to Account Information
Transit and institution numbers are listed

KOHO (Prepaid Visa)

Log in to the KOHO app
Tap your account
Select Direct Deposit or Account Details
KOHO provides a transit number, institution number, and account number associated with your Peoples Trust account

Wealthsimple Cash

Open the Wealthsimple app
Tap Cash
Select Direct Deposit
Your banking details are displayed with a downloadable form

Method 3: Call or Visit Your Branch

If you cannot access online banking and do not have cheques, call your bank’s customer service line or visit a branch in person with government-issued ID. Any bank representative can provide your transit and institution numbers.

Method 4: Check a Bank Statement

Your account number typically appears on paper or electronic bank statements. The transit and institution numbers are less commonly printed on statements — but if they are, they will appear in the account details section at the top of the statement.

Canadian Institution Numbers (Quick Reference)

Bank	Institution Number
BMO (Bank of Montreal)	001
Scotiabank	002
RBC (Royal Bank of Canada)	003
TD Canada Trust	004
National Bank of Canada	006
CIBC	010
Simplii Financial	010
HSBC Canada	016
ATB Financial	219
Tangerine	614
EQ Bank	623
Desjardins (caisses populaires)	815
Motusbank	326
Manulife Bank	540

Transit numbers vary by branch and cannot be listed here — use online banking or a void cheque to find your specific transit number.

Providing Your Information for Direct Deposit

For most employers and government agencies, you will either:

Fill out a direct deposit form — enter your institution number, transit number, and account number in the designated fields
Attach a void cheque — write “VOID” across a personal cheque and attach it; the recipient reads the numbers from the MICR line

If you do not have cheques, a direct deposit form downloaded from your bank’s app (PDF with your numbers pre-printed) is accepted by the CRA and most employers as a substitute.