CIBC Routing Number & Transit Number 2026 — Institution 010 and SWIFT CIBCCATT

By WealthVieu · Updated

CIBC’s institution number is 010. Your branch transit number is a 5-digit code found on your cheque or in CIBC Online Banking. The EFT routing format is 0[transit]010. For international wires, use SWIFT code CIBCCATT. Note: Simplii Financial also uses CIBC’s institution number 010.

Quick answer: CIBC institution number: 010. Transit: 5 digits (on cheque or in app). EFT format: 0TTTTT010. SWIFT: CIBCCATT. Phone: 1-800-465-2422.

CIBC Routing Number Components

Component Value Notes
Institution number 010 All CIBC branches + Simplii
Branch transit number 5 digits Branch-specific
EFT routing format 0[transit]010 8-digit code
SWIFT/BIC CIBCCATT International wire transfers

How to Find Your CIBC Transit Number

Method 1: CIBC Mobile Banking App (Fastest)

  1. Open the CIBC Mobile Banking app
  2. Tap your Chequing Account
  3. Tap Account Details
  4. Transit number, institution number (010), and full account number are shown

Method 2: CIBC Online Banking

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

Method 3: Your CIBC Cheque

Read the MICR line at the bottom — left to right: cheque number → transit number (in ⑆ brackets) → institution number 010 (in ⑆ brackets) → account number.

Method 4: Void Cheque PDF

  1. In the CIBC app → Account Details → View Void Cheque
  2. Download the PDF — shows the full MICR line for payroll or CRA use

Method 5: Telephone Banking

Call 1-800-465-2422 (24/7) and verify your routing details with a representative after identity verification.

Simplii Financial and CIBC: Same Institution Number (010)

Simplii Financial uses CIBC’s banking infrastructure and therefore shares CIBC’s institution number — 010. If you’re a Simplii customer providing routing information for direct deposit, CRA, or payroll, you still use institution number 010 and your Simplii-specific transit number (not a CIBC branch transit).

This is a common source of confusion: Simplii is a separate legal entity (separate CDIC member) but shares the 010 institution code because it runs on CIBC’s core banking system.

Setting Up CRA Direct Deposit at CIBC

Steps via CRA My Account:

  1. Log in at canada.ca/my-cra-account
  2. Go to Profile → Direct deposit → Start or update direct deposit
  3. Enter:
    • Financial institution: CIBC (or Canadian Imperial Bank of Commerce)
    • Transit number: your 5-digit CIBC branch transit
    • Institution number: 010
    • Account number: your full CIBC account number
  4. Save — changes take effect within 5–10 business days

Tax refunds, GST/HST credits, Canada Child Benefit, and OAS payments will be deposited directly to your CIBC account on the next payment cycle.

Setting Up Payroll Direct Deposit

Give your employer:

  • Bank name: CIBC (Canadian Imperial Bank of Commerce)
  • Transit number: your 5-digit transit (from cheque or app)
  • Institution number: 010
  • Account number: your full CIBC chequing account number

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

Understanding the EFT Format for CIBC

Canadian electronic fund transfers use an 8-digit routing format:

  • Leading zero (1 digit)
  • Transit number (5 digits)
  • Institution number (3 digits): 010 for CIBC

Example: CIBC branch transit 12345 → EFT routing number is 012345010.

This format is used by payroll systems, brokerage RRSP contributions, and pre-authorized debit agreements.

CIBC SWIFT Code for International Wires

For receiving international wire transfers at CIBC:

Detail Value
SWIFT/BIC CIBCCATT
Bank name Canadian Imperial Bank of Commerce
Bank address Commerce Court, Toronto, ON M5L 1A2
Account number Your full CIBC account number

CIBC also processes outgoing international wire transfers — up to approximately $25,000 online. Fee: $25–$40 per transfer. See the CIBC Wire Transfer guide.

Institution Numbers for Major Canadian Banks

Bank Institution # SWIFT
BMO 001 BOFMCAM2
Scotiabank 002 NOSCCATT
RBC 003 ROYCCAT2
TD 004 TDOMCATTTOR
CIBC (+ Simplii) 010 CIBCCATT
National Bank 006 BNDCCAMMINT
Tangerine 614 —
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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.

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