Transit Number
Canadian transit numbers are 8-digit codes combining a 5-digit branch transit number and a 3-digit financial institution number. They route domestic EFTs, direct deposits, and pre-authorized payments through the Canadian Payments Association.
At a glance
Country
Canada
Identifier
TN
Format
8 digits
Used for
Domestic transfers
Format breakdown
00012
Branch Transit
1–5
Branch identifier
003
Institution
6–8
Bank identifier (e.g. 003 = RBC)
How TN works
The branch transit number identifies the specific branch, while the institution number identifies the bank itself. Together they form the routing number printed on cheques.
Where to find yours
On the bottom of any cheque (before the account number), in your online banking app, or on your bank's website.
Payment systems in Canada
| System | Speed | Description |
|---|---|---|
| Interac e-Transfer | Instant | Person-to-person transfers up to $3,000 |
| EFT | 1–2 business days | Electronic funds transfer for payroll and bills |
| Wire Transfer | Same day | High-value domestic and international transfers |
Major banks in Canada
Good to know
Institution numbers are standardized: 001 = BMO, 002 = Scotiabank, 003 = RBC, 004 = TD, 010 = CIBC.
The transit number format on cheques is XXXXX-YYY where X is branch and Y is institution.
Interac e-Transfer does not require a transit number — just an email or phone number.
Related tools
Other countries
Frequently asked questions
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