BMO Routing Number & Transit Number 2026 — Institution 001 and SWIFT BOFMCAM2

BMO’s institution number is 001 — the oldest in Canada’s banking system, reflecting BMO’s status as Canada’s first bank (founded 1817). Your branch transit number is a 5-digit code found on your cheque, in the BMO app, or online banking. EFT routing format: 0001[transit]. SWIFT code for international wires: BOFMCAM2.

Quick answer: BMO institution number: 001. Transit: 5-digit branch code (on cheque or in BMO app). EFT format: 0001TTTTT (9 digits). SWIFT: BOFMCAM2. Phone: 1-877-225-5266.

BMO Routing Number Components

How to Find Your BMO Transit Number

Method 1: Your BMO Cheque

Look at the MICR line (row of special characters) at the bottom of your cheque. Reading left to right: cheque number → transit number (in brackets) → institution number 001 (in brackets) → account number.

Method 2: BMO Mobile App

1. Open the BMO Mobile Banking app
2. Tap your Chequing Account
3. Tap Account Details
4. Your transit number, institution number (001), and full account number are displayed

Method 3: BMO Online Banking

1. Log in at bmo.com
2. Click your chequing account name
3. Select Account Details or View Account Information

Method 4: Void Cheque

1. In the BMO app → tap Account Details → View Void Cheque
2. Download the PDF — used for direct deposit setup with payroll, CRA, or billers

Method 5: Phone

Call 1-877-225-5266 (available 24/7). After identity verification, a representative provides your routing details.

Setting Up CRA Direct Deposit at BMO

The CRA pays tax refunds, GST/HST credits and the Canada Child Benefit by direct deposit when you provide your banking details, and Service Canada pays CPP and Old Age Security the same way. Direct deposit avoids waiting for a mailed cheque.

Steps via CRA My Account:

1. Log in at canada.ca/my-cra-account
2. Go to Profile → Direct deposit → Start or update
3. Enter:
   • Financial institution: BMO Bank of Montreal
   • Transit number: your BMO transit (5 digits from app/cheque)
   • Institution number: 001
   • Account number: your full BMO account number
4. Save — CRA My Account shows when the change takes effect

Setting Up Payroll Direct Deposit

Give your employer or HR department:

• Bank name: BMO Bank of Montreal
• Transit number: your 5-digit BMO transit number
• Institution number: 001
• Account number: your full chequing account number

Or download a void cheque PDF from the BMO app — payroll systems read the MICR line automatically.

Understanding the EFT Routing Format

For Canadian electronic fund transfers (EFT), the routing format is a 9-digit number:

• 1 leading zero
• BMO’s 3-digit institution number: 001
• Your 5-digit transit number

Example: If your transit is 12345, your EFT routing number is 000112345.

This format is used when sending money between banks via EFT (not e-Transfer). Common uses: payroll systems, government payment systems, brokerage RRSP contributions, and pre-authorized debits.

BMO SWIFT Code for International Wires

For receiving international wire transfers into your BMO account, provide:

• SWIFT/BIC: BOFMCAM2
• Your BMO account number
• Bank address: BMO Bank of Montreal, 100 King Street West, Toronto, ON M5X 1A1

BMO also supports outgoing international wire transfers — up to approximately $25,000/day online, higher amounts at a branch. Fee: approximately $25–$45 per outgoing international wire.

Institution Numbers for Major Canadian Banks

Related Articles

• BMO Fees 2026
• BMO Wire Transfer Limit 2026
• CIBC Routing Number 2026
• Scotiabank Routing Number 2026
• What Is a Transit Number in Canada?
• BMO e-Transfer Limit 2026

← Back to BMO Bank Guide

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.