What is Tangerine's institution number?

Tangerine Bank's institution number is 614. Tangerine operates as its own licensed bank (separate from Scotiabank institution number 002), so it has its own unique institution number. The 8-digit EFT routing number format for Tangerine is 0406111614, where 40611 is the fixed branch transit and 614 is the institution number.

What is Tangerine's transit number?

Tangerine uses a single transit number, 40611, for all accounts since it is a digital bank with no physical branches. This transit number combined with institution number 614 forms the standard EFT routing. You can find your routing details in the Tangerine app under Account Details or on a void cheque.

How do I find my Tangerine routing number?

Log in to the Tangerine app or tangerine.ca, select your chequing account, and tap Account Details. Your transit number (40611), institution number (614), and full account number are displayed. You can also request a void Tangerine cheque via the app. Call 1-888-826-4374 for assistance.

Can I use my Tangerine account for CRA direct deposit?

Yes. To set up CRA direct deposit to Tangerine, log into CRA My Account and go to Direct Deposit. Enter transit number 40611, institution number 614, and your full Tangerine account number. Alternatively, use a void Tangerine cheque when submitting CRA paper forms.

Does Tangerine have a SWIFT code for international wires?

Tangerine does not have its own SWIFT code and does not support international wire transfers for personal accounts. For international money transfers, Tangerine customers typically use third-party services like Wise or PayPal, or open a separate account at a Big 5 bank that offers wire transfers. Check tangerine.ca for current transfer options.

Tangerine Routing Number 2026 — Transit and Institution Number Guide

Tangerine Bank’s institution number is 614 — its own unique number, separate from Scotiabank’s 002. Your transit number is account-specific. Find it in the Tangerine app under Account Details or on a void cheque PDF. The EFT routing format is 0[transit]614. Tangerine does not support outgoing international wire transfers from personal accounts.

Quick answer: Tangerine institution number: 614 (not Scotiabank’s 002). Transit: account-specific — find in Tangerine app or void cheque. EFT format: 0TTTTT614. Phone: 1-888-826-4374.

Tangerine Routing Numbers at a Glance

Component	Value	Notes
Institution number	614	Tangerine-specific — NOT 002
Branch transit	Account-specific	Find in Tangerine app
EFT routing format	0[transit]614	8 digits with leading zero
SWIFT/BIC	None for personal outgoing	Incoming: contact Tangerine
Outgoing international wire	Not supported	Personal accounts

The Most Common Mistake: Using Scotiabank’s Number

Many Tangerine customers assume they should use Scotiabank’s institution number — 002 — because Tangerine is a Scotiabank subsidiary. This is incorrect. Tangerine has its own federal banking licence and its own institution number: 614.

If you submit institution number 002 instead of 614 when setting up CRA direct deposit or payroll, your payment will be returned or misdirected. Always use 614 for Tangerine accounts.

Compare this to Simplii Financial, which uses CIBC’s institution number 010 because Simplii operates on CIBC’s core banking infrastructure. Tangerine has a separate system and its own number.

Understanding Canadian Routing Numbers

Canada does not use a single 9-digit routing number like the US. Instead:

Institution number (3 digits): Identifies the bank. Tangerine = 614. Scotiabank = 002. CIBC = 010. RBC = 003. TD = 004. BMO = 001.

Transit number (5 digits): Identifies the virtual “branch” where your account is held. Tangerine is branchless, so all accounts use a single designated transit number rather than branch-specific codes. Your transit is shown in the Tangerine app.

EFT routing format: An 8-digit code: leading zero + 5-digit transit + 3-digit institution. For Tangerine: 0[transit]614.

How to Find Your Tangerine Routing Details

Method 1: Tangerine App (Quickest)

Open the Tangerine app
Tap your Chequing Account
Tap Account Details
Your transit number, institution number (614), and full account number are listed

Method 2: Tangerine Website

Log in at tangerine.ca
Click your chequing account name
Select Account Details

Method 3: Void Cheque PDF

In the Tangerine app → tap More → Void Cheque
Download as PDF
The MICR line at the bottom shows: cheque number, transit number (in brackets), institution number (614, in brackets), and account number

Method 4: Phone

Call 1-888-826-4374 (24/7). A representative confirms your routing details after verifying your identity.

Setting Up CRA Direct Deposit

The CRA pays tax refunds, GST/HST credits, Canada Child Benefit, Old Age Security, and Employment Insurance by direct deposit when you provide your banking details.

Steps via CRA My Account:

Log in at canada.ca/my-cra-account
Navigate to Profile → Direct deposit
Click Start or update direct deposit
Enter:
- Financial institution: Tangerine Bank
- Transit number: your Tangerine transit (from app)
- Institution number: 614
- Account number: your full Tangerine account number
Save — changes take effect within 5–10 business days

Your next CRA payment will arrive directly in your Tangerine account.

Setting Up Payroll Direct Deposit

Give your employer or HR department:

Bank name: Tangerine Bank
Transit number: your Tangerine transit number
Institution number: 614
Account number: your full Tangerine chequing account number

Alternatively, provide a void cheque PDF from the Tangerine app. Payroll systems read the MICR line automatically.

Pre-Authorized Debit (PAD) Setup

For recurring bill payments, subscriptions, or insurance premiums set up through a biller:

Transit number: your Tangerine transit
Institution number: 614
Account number: your full account number

Or upload a void cheque. Pre-authorized debits typically activate within 1–2 billing cycles.

Tangerine vs. Simplii: Institution Number Comparison

Detail	Tangerine	Simplii
Institution number	614 (own)	010 (CIBC)
Parent institution number	002 (Scotiabank)	010 (CIBC)
Own banking licence	Yes	Yes (separate CDIC member)
CDIC insured	Yes (Tangerine Bank)	Yes (Simplii Financial)
International wire (outgoing)	Not available	Not available

Reading Your Tangerine Cheque’s MICR Line

The MICR (Magnetic Ink Character Recognition) line at the bottom of a Tangerine cheque reads left to right:

Cheque number (3–4 digits)
Transit number in ⑆ brackets (5 digits)
Institution number in ⑆ brackets (614)
Account number

Payroll departments and government agencies read this line automatically from a void cheque image.

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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy