What is TD Bank's institution number?

TD Canada Trust's institution number is 004. This 3-digit number identifies TD within Canada's banking system and is the same for all TD branches across Canada. It is used in combination with your 5-digit branch transit number for direct deposits, pre-authorized debits, and EFT transfers. The combined 8-digit EFT routing number format is 0TTTTT004.

How do I find my TD branch transit number?

Your 5-digit TD branch transit number is printed on the bottom of any TD cheque, between the first two sets of symbols. It appears as the first 5-digit number in the MICR line. You can also find it in TD EasyWeb by selecting your chequing account and clicking 'View My Account Details', or in the TD app under account information.

What is TD's SWIFT code?

TD's SWIFT/BIC code for international wire transfers is TDOMCATTTOR. This code is used when receiving international wires into a TD Canada Trust account. When providing wire instructions to a foreign sender, also include your TD account number, branch transit number, and the full beneficiary bank address.

What EFT routing format does TD use?

For Canadian EFT (electronic funds transfer) payments including direct deposit and pre-authorized debits, TD uses an 8-digit routing number in the format 0TTTTT004. The leading zero is always included. TTTTT is your 5-digit branch transit number and 004 is TD's institution number. Example: transit 00152 becomes routing number 00152004.

How do I set up direct deposit at TD for CRA?

Log into CRA My Account and navigate to 'Direct Deposit'. Enter bank name (TD Canada Trust), your 5-digit transit number, institution number (004), and your account number. Alternatively, attach a void TD cheque — all three numbers appear at the bottom. CRA refunds and benefits like GST/HST credits and TFSA overcontribution rebates use this information.

TD Routing Number & Transit Number 2026 — How to Find Yours

TD Canada Trust’s institution number is 004. Your branch transit number is a 5-digit code specific to the branch where you opened your account. The 8-digit EFT routing number format is 0TTTTT004 (leading zero + transit + institution). For international wires, use SWIFT code TDOMCATTTOR.

Quick answer: TD institution number: 004. Transit: 5 digits (on void cheque or in TD app). EFT format: 0TTTTT004. SWIFT: TDOMCATTTOR. Phone: 1-866-222-3456.

TD Routing Number Components

Component	Length	Value
Institution number	3 digits	004 (same for all TD branches)
Branch transit number	5 digits	Varies by branch
EFT routing number	8 digits	0[transit]004
SWIFT/BIC	11 chars	TDOMCATTTOR

How to Find Your TD Transit Number

Method 1: TD Mobile App (Fastest)

Open the TD app and log in
Tap your chequing account
Scroll to Account Details or tap the info icon
Transit number, institution number (004), and account number are all shown

Method 2: TD EasyWeb Online Banking

Log into easyweb.td.com
Select your chequing account
Click View My Account Details
Transit, institution, and account number are displayed

Method 3: Void Cheque (paper or PDF)

At the bottom of any TD cheque — the MICR line reads:

⑆ [Cheque#] ⑆ [TTTTT][004] ⑆ [Account#] ⑆

The 5-digit number before 004 is your transit. The account number follows 004.

To get a void cheque PDF without paper: TD EasyWeb → Account Details → Get a Void Cheque → download PDF.

Method 4: Call TD

Call 1-866-222-3456 (24/7). After identity verification, a representative confirms your transit number and account number.

EFT Routing Format for TD

For Canadian direct deposit (payroll, CRA, provincial benefits):

Format: 0 + [5-digit transit] + 004

Example: Transit 00152 → EFT routing number 000152004

Some direct deposit forms separate transit and institution:

Transit number: Your 5-digit branch code
Institution number: 004

Other forms request a single 8-digit EFT code — use the combined format above.

TD Account Number

TD personal chequing account numbers are typically 7 digits, appearing as the rightmost number in the MICR line. Together, the full TD account identifier is:

[5-digit transit] + [004] + [7-digit account] = 15 characters

Setting Up CRA Direct Deposit at TD

Via CRA My Account (recommended):

Log in at canada.ca/my-cra-account
Go to Profile → Direct deposit → Start or update direct deposit
Enter:
- Financial institution: TD Canada Trust
- Transit number: your 5-digit branch transit
- Institution number: 004
- Account number: your full TD account number
Save — takes 5–10 business days to activate

CRA will then direct-deposit tax refunds, GST/HST credits, Canada Child Benefit, OAS, and CPP to your TD account.

Alternative: Upload a void cheque image directly in CRA My Account — the system reads the MICR line and populates all fields automatically.

Setting Up Payroll Direct Deposit at TD

Give your employer’s payroll or HR department:

Bank name: TD Canada Trust
Transit number: your 5-digit branch transit
Institution number: 004
Account number: your full chequing account number

Or provide a void cheque PDF (from TD EasyWeb → Account Details → Get a Void Cheque). Most payroll systems accept the PDF and read the MICR data automatically.

TD SWIFT Code for International Wires

For incoming international wire transfers to your TD account:

Detail	Value
SWIFT/BIC	TDOMCATTTOR
Bank name	Toronto-Dominion Bank
Bank address	TD Tower, 66 Wellington St W, Toronto, ON M5K 1A2
Account number	Your full TD account number
Transit number	Your 5-digit branch transit

Incoming international wires typically carry a receiving fee of approximately $15 charged by TD. The sender’s bank charges additional fees on their end.

For outgoing international wires from TD, use TD Online Banking or visit a branch. Online limit for personal accounts: approximately $25,000/day. Fee: approximately $25–$40.

TD vs. Other Big 5 Banks: Routing Details Comparison

Bank	Institution #	SWIFT	App Method
TD	004	TDOMCATTTOR	✓ TD app → Account Details
RBC	003	ROYCCAT2	✓ RBC app → Account Details
Scotiabank	002	NOSCCATT	✓ Scotia app → Account Details
CIBC	010	CIBCCATT	✓ CIBC app → Account Details
BMO	001	BOFMCAM2	✓ BMO app → Account Details
Tangerine	614	N/A	✓ Tangerine app → Account Info

TD’s institution number 004 is one of the Big 5 original codes — all five major banks have institution numbers 001–010 (with 006 going to National Bank).

Common TD Routing Number Mistakes

Mistake	What Happens	Fix
Wrong transit number	Payment rejected or routed to wrong branch	Find correct transit in TD app
Missing leading zero	EFT code reads 7 digits instead of 8	Always prepend 0 to transit+institution
Entering 004 as account number	Payroll form rejects	Transit, institution, and account are three separate fields
Using SWIFT for domestic transfer	Not applicable	SWIFT is for international wires only; use EFT for Canadian

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