TD Bank Routing Number Canada 2026 | Transit & Institution 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.

When a form asks for a “routing number,” it wants your transit number and institution number in combination. The standard Canadian format is XXXXX-004. Some payroll and HR systems — particularly US-built software used by cross-border employers — ask for a single 9-digit number instead. That format is built as: 0 + 004 + your transit number (leading zero, then institution, then transit, totalling nine digits).

The most reliable way to get your correct transit number is TD EasyWeb or the TD app, both of which display it directly alongside your account number. A cheque or a visit to any TD branch are the backup options.

TD Routing Number at a Glance

How to Find Your TD Transit Number

You need your own account’s specific transit number — not just any TD branch number. The quickest sources are TD EasyWeb and the TD app.

Method 1: TD EasyWeb (Online Banking)

1. Log in to TD EasyWeb
2. Click on the account you need the routing information for
3. Click Account Details or View Account Details
4. Your transit number, institution number (004), and account number are displayed
5. Click Direct Deposit Form to download a void cheque PDF — useful for submitting to an employer or entering into My CRA Account

Method 2: TD Mobile App

1. Open the TD app and log in
2. Tap on the account
3. Tap the “i” icon or Account Details
4. Your transit number, institution number (004), and account number appear
5. Tap Share banking details or Direct deposit to generate a digital void cheque for emailing directly

Method 3: A Cheque

The three numbers at the bottom of a TD cheque appear in this order:

Read them left to right. The transit number is always first. If you have a chequebook, this is the fastest way to confirm the numbers without logging in.

Method 4: In-Branch

Visit any TD branch with government-issued photo ID. A teller can print a void cheque or a direct deposit form on the spot. Useful if you have no cheques and cannot access online banking.

Transit Numbers for Major TD Branches

The tables below list transit numbers for major TD branches by region. Always verify your own transit number through TD EasyWeb before submitting any direct deposit or pre-authorized payment form — transit numbers can change when branches merge or relocate.

Ontario

British Columbia

Alberta

Quebec

Atlantic Canada

What Your Routing Number Is Used For

TD routing information is required any time money moves between institutions outside the Interac network. The most common uses are payroll direct deposit, CRA benefit payments (tax refunds, GST/HST credit, Canada Child Benefit), CPP/OAS/EI, and pre-authorized debits. Interac e-Transfers are the notable exception — they use your registered email or phone number and never require routing details.

The 9-Digit EFT Routing Number

Some payroll platforms and HR systems — particularly those built on US payroll standards or used by cross-border employers — request a single 9-digit routing number rather than separate transit and institution fields. Canada’s EFT standard builds this 9-digit number from a leading zero, the institution number, and the transit number.

Formula: 0 + institution number (004) + transit number (5 digits) = 9 digits

Example: Branch transit 10002 → 0 + 004 + 10002 = 000410002

If the form has separate transit and institution fields, use the standard Canadian format (transit: XXXXX, institution: 004). Only use the 9-digit EFT format when a single combined routing number field is presented.

TD SWIFT Code for International Wires

International wire transfers to a TD account use a SWIFT/BIC code rather than a transit and institution number. TD’s SWIFT code is TDOMCATTTOR (11-character full format) or TDOMCATT (8-character abbreviated format). Both are accepted for the same institution.

When someone outside Canada is sending money to your TD account, provide all five elements: the SWIFT code, your full legal name as it appears on the account, your transit number, your account number, and the bank address. Missing any element — particularly the bank address, which some senders overlook — can delay or return the wire.

TD Direct Investing Routing Numbers

TD Direct Investing accounts have their own transit and account numbers, separate from your TD Canada Trust banking branch. The institution number (004) is the same, but the transit number assigned to TD Direct Investing differs from your chequing branch.

If you are setting up an external link to your TD Direct Investing TFSA, RRSP, or non-registered account — for example, to fund it from a Wealthsimple or Questrade account — look up the routing details inside the TD Direct Investing platform, not in EasyWeb. Using your chequing branch transit number for a Direct Investing transfer will cause the payment to fail.

Troubleshooting

Related Pages

• Bank Routing Numbers in Canada
• TD Bank Review
• How to Void a Cheque in Canada
• How to Set Up Direct Deposit
• Wire Transfer in Canada
• RBC Routing Number
• BMO Routing Number
• Scotiabank Routing Number
• Banking Basics Hub: Accounts, Transfers & Banking in Canada