Simplii Financial’s institution number is 010 (shared with CIBC). Your transit number is specific to your Simplii account — find it in the Simplii app under Account Details or on a void cheque. The EFT routing format is 0[transit]010. SWIFT code for incoming international transfers: CIBCCATT.
Quick answer: Simplii institution number: 010 (same as CIBC). Transit: find in Simplii app or void cheque. EFT format: 0TTTTT010. SWIFT: CIBCCATT (incoming only). Phone: 1-888-723-8881.
Simplii Routing Numbers at a Glance
| Component | Value | Notes |
|---|---|---|
| Institution number | 010 | Same as CIBC |
| Branch transit | Account-specific | Find in Simplii app |
| EFT routing format | 0[transit]010 | 8 digits, leading zero |
| SWIFT/BIC | CIBCCATT | Incoming international only |
| Outgoing international wire | Not supported | Personal accounts |
Understanding Canadian Bank Routing Numbers
Canada doesn’t use a single 9-digit “routing number” like the United States. Instead, Canadian banks use two separate numbers:
Transit number (5 digits): Identifies the specific branch where your account originated. For digital banks like Simplii, this is a virtual branch code rather than a physical location — all Simplii accounts may share a single transit number since there are no branches.
Institution number (3 digits): Identifies the financial institution. Simplii uses CIBC’s institution number, 010. This is different from Tangerine, which has its own institution number of 614 separate from Scotiabank’s 002.
EFT format: For Canadian electronic fund transfers, the routing information is expressed as an 8-digit number: a leading zero, followed by your 5-digit transit, followed by the 3-digit institution number. For Simplii, this looks like 0[12345]010 where 12345 is your transit number.
How to Find Your Simplii Routing Details
Method 1: Simplii App (Fastest)
- Open the Simplii Financial app
- Tap your Chequing Account
- Tap Account Details
- Your transit number, institution number (010), and full account number are displayed
Method 2: Simplii Website
- Log in at simplii.com
- Select your chequing account
- Click Account Details
Method 3: Void Cheque PDF
- In the Simplii app → tap More → Void Cheque
- Download the PDF — this shows your MICR line with transit and account numbers
Method 4: Phone
Call 1-888-723-8881 (24/7) — a representative can confirm your routing details after identity verification.
Setting Up CRA Direct Deposit with Simplii
The CRA processes tax refunds, GST/HST credits, Canada Child Benefit, and Old Age Security payments by direct deposit. Setting up direct deposit with your Simplii account is the fastest way to receive these payments.
Steps via CRA My Account:
- Log in at canada.ca/my-cra-account
- Click Profile → Direct deposit
- Select Start or update direct deposit
- Enter:
- Bank: Simplii Financial (or CIBC — they share the same institution)
- Transit number: your Simplii transit (from app)
- Institution number: 010
- Account number: your full Simplii account number
- Confirm and save
Changes take effect within 5–10 business days. Your next CRA payment will arrive at Simplii.
Setting Up Payroll Direct Deposit
Provide your HR or payroll department with:
- Bank name: Simplii Financial
- Transit number: your Simplii transit number
- Institution number: 010
- Account number: your full Simplii chequing account number
Alternatively, provide a void cheque PDF (generated in the Simplii app). Payroll systems read the MICR line at the bottom of the cheque automatically.
Pre-Authorized Debit (PAD) Setup
For recurring bills — utilities, subscriptions, insurance, gym memberships — the biller needs your banking information to set up a pre-authorized debit. Provide:
- Transit number: your Simplii transit
- Institution number: 010
- Account number: your full account number
Or submit a void cheque. Pre-authorized debits typically take 1–2 billing cycles to activate.
Simplii vs. Tangerine: Routing Number Difference
| Detail | Simplii | Tangerine |
|---|---|---|
| Institution number | 010 (CIBC) | 614 (own) |
| Parent institution number | 010 (CIBC) | 002 (Scotiabank) |
| SWIFT | CIBCCATT | None (personal) |
| CDIC member | Yes (separate from CIBC) | Yes (separate from Scotiabank) |
| Outgoing international wire | Not available | Not available |
A common mistake: people assume Simplii uses Scotiabank’s number (it’s CIBC), or that Tangerine uses Scotiabank’s 002 (it doesn’t — Tangerine is 614). Always verify in your app before submitting routing information to a payer.
MICR Line Explained
The row of odd-looking numbers at the bottom of your cheque is the MICR (Magnetic Ink Character Recognition) line. From left to right it reads:
- Cheque number
- Transit number (in brackets)
- Institution number (in brackets)
- Account number
Payroll and government systems read this line automatically from a void cheque image.
Related Articles
- Simplii Financial Fees 2026
- Simplii e-Transfer Limit 2026
- CIBC Routing Number 2026
- Tangerine Routing Number 2026
- What Is a Transit Number in Canada?
- Simplii ATM Limit 2026
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