All Canada Bank Codes

Navigating the Canadian Financial Landscape: A Comprehensive Guide to Bank Codes.

Canada Bank Codes: Canada boasts a diverse and complex financial system, with various institutions offering a multitude of services to its citizens. Understanding the intricacies of this system can be daunting, especially for newcomers or those unfamiliar with its nuances.

One aspect that frequently arises in financial transactions is the concept of bank codes. These codes, also known as financial institution numbers (FINs), play a crucial role in routing funds electronically between banks and credit unions.

This comprehensive guide delves into the world of Canadian bank codes, demystifying their purpose, format, and significance in everyday financial activities. We’ll explore the different types of codes, delve into the process of identifying them, and address common questions surrounding their usage.

Whether you’re making a simple electronic transfer or navigating the complexities of international payments, understanding bank codes equips you with the knowledge to ensure accuracy and efficiency in your financial transactions.

Types and Functions

Canadian bank codes are three-digit numbers assigned to each financial institution, including banks, credit unions, trust companies, and insurance companies offering deposit-taking services.

These codes serve as unique identifiers, facilitating the seamless routing of electronic funds transfers (EFTs) between institutions.

There are two main types of bank codes used in Canada:

  • Institution Number (FIN): This three-digit code identifies the specific financial institution itself. It is the primary component used for routing funds between institutions during EFTs.
  • Transit Number: This five-digit code, combined with the FIN, further identifies the specific branch or clearing center within the financial institution. It’s primarily used for domestic transactions within Canada, often appearing on cheques and deposit slips.

Understanding the distinction between these two types of codes is crucial, especially when making payments. While the FIN alone suffices for identifying the main institution for international transfers, the combination of FIN and transit number is necessary for domestic transactions within Canada.

All Canada Bank Codes

Institution number Financial institution name Street address City Province Postal code
001 Bank of Montreal 129 St. James Street, Place d’Armes, P.O. Box 6002 Montreal QC H2Y 1L6
002 The Bank of Nova Scotia Scotia Plaza, 8th Floor, 40 King Street West Toronto ON M5H 1H1
003 Royal Bank of Canada 1 Place Ville Marie, P.O. Box 6001 Montreal QC H3C 3A9
004 The Toronto-Dominion Bank Branch Services, TD Canada Trust, 4880 Tahoe Blvd. Mississauga ON L4W 5P3
006 National Bank of Canada 600 de la Gauchetière West, BNC Tower 4215-1 Montreal QC H3B 4L2
010 Canadian Imperial Bank of Commerce 81 Bay Street, CIBC Square Toronto ON M5J 0E7
016 HSBC Bank Canada 885 West Georgia Street, Suite 300 Vancouver BC V6C 3E9
030 Canadian Western Bank 2300-10303 Jasper Avenue, Suite 2300 Edmonton AB T5J 3X6
039 Laurentian Bank of Canada 1981 McGill College Ave, 20th Floor Montreal QC H3A 3K3
177 Bank of Canada 234 Wellington Street Ottawa ON K1A 0G9
260 Citibank Canada Citibank Place, 19th Floor, 123 Front Street West Toronto ON M5J 2M3
275 KEB Hana Bank Canada 4950 Yonge Street, Suite 1101 Toronto ON M2N 6K1
290 UBS Bank (Canada) 154 University Avenue Toronto ON M5H3Z4
294 SBI Canada Bank Suite 800, P.O. Box 81, Royal Bank Plaza, North Tower Toronto ON M5J 2J2
303 Amex Bank of Canada TRS Canada Treasury, 2225 Sheppard Ave East, Suite 100 Toronto ON M2J 5C2
307 Industrial and Commercial Bank of China (Canada) Suite 102 – 3, 350 Highway 7 East Richmond Hill ON L4B 3N2
308 Bank of China (Canada) 396 Dundas Street West Toronto ON M5T 1G7
309 Vancity Community Investment Bank 183 Terminal Avenue Vancouver BC V6A 4G2
310 First Nations Bank of Canada 224 – 4th Avenue South Saskatoon SK S7K 5M5
314 J.P. Morgan Bank Canada 200 Bay Street, Royal Bank Plaza – South Tower, Suite 1800 Toronto ON M5J 2J2
315 CTBC Bank Corp. (Canada) 350-2608 Granville St. Vancouver BC V6H 3V3
320 President’s Choice Bank 600-500 Lakeshore Blvd. West P.O. Box 600 Toronto ON M5V 2V9
321 Habib Canadian Bank 918 Dundas Street, Suite 1B Mississauga ON L4Y 4H9
326 Canadian Imperial Bank of Commerce 81 Bay Street, CIBC Square Toronto ON M5J 0E7
334 VersaBank 140 Fullarton Street, Suite 2002 London ON N6A 5P2
338 Canadian Tire Bank 366 Bunting Road St. Catharines ON L2M 3Y6
340 ICICI Bank Canada 154 University Avenue, Suite 400 Toronto ON M5H 3Y9
343 ADS Canadian Bank 44 King Street West Toronto ON M5H 1H1
344 General Bank of Canada #006, 11523 – 100 Ave., Le Marchand Mansion Edmonton AB T5K 0J8
347 Bridgewater Bank P.O. Box 8180 Station South Edmonton AB T6H 5X9
352 Digital Commerce Bank 736 Meridian Road N.E. Calgary AB T2A 2N7
355 Shinhan Bank Canada 5140 Yonge Street, Suite 2300 Toronto ON M2N 6L7
356 Citco Bank Canada 2 Bloor Street East, Suite 2700 Toronto ON M4W 1A8
358 HomeEquity Bank 1881 Yonge Street, Suite 300 Toronto ON M4S 3C4
359 Duo Bank of Canada 1940 Argentia Road Mississauga ON L5N 1P9
361 Home Bank 2020 Winston Park Drive, Suite 302 Oakville ON L6H 6X7
368 Rogers Bank 333 Bloor St. East Toronto ON M4W 1G9
370 Wealth One Bank of Canada 170 Sheppard Avenue East Toronto ON M2N 3A4
374 Motus Bank 3280 Bloor Street West Centre Tower Toronto ON M8X 2X3
376 Exchange Bank of Canada 390 Bay Street, Suite 700 Toronto ON M5H 2Y2
377 RFA Bank of Canada 1 Yonge Street, Suite 2401 Toronto ON M5E 1E5
378 Cidel Bank Canada 60 Bloor St West, 9th floor Toronto ON M4W 3B8
381 Haventree Bank 4610-100 King Street West Toronto ON M5X 1E5
382 Coast Capital Savings Federal Credit Union 800-9900 King George Blvd Surrey BC V3T 0K7
383 Peoples Bank of Canada 1400-888 Dunsmuir St. Vancouver BC V6C 3K4
540 Manulife Bank of Canada 500 King Street North Waterloo ON N2J 4C6
608 CS Alterna Bank 319 McRae Avenue, 2nd Floor Ottawa ON K1Z 0B9
614 Tangerine Bank Suite 600, 3389 Steels Avenue East Toronto ON M2H 3S8
618 B2B Bank 199 Bay Street, Suite 600, PO Box 270 STN Commerce Court Toronto ON M5L 0A2
623 Equitable Bank 30 St. Clair Avenue West, Suite 700 Toronto ON M4V 3A1
853 Concentra Bank 333-3rd Avenue North Saskatoon SK S7K 2M2
241 Bank of America, National Association 181 Bay Street, Suite 400 Toronto ON M5J 2V8
242 The Bank of New York Mellon 320 Bay Street Toronto ON M5H 4A6
245 MUFG Bank, Ltd., Canada Branch Suite 1800, P.O. Box 42, Royal Bank Plaza, South Tower Toronto ON M5J 2J1
250 BNP Paribas 2001 Robert-Bourassa Blvd. Montreal QC H3A 2A6
265 Deutsche Bank AG 199 Bay Street, Suite 4700, Commerce Court West Toronto ON M5L 1E9
269 Mega International Commercial Bank Co., Ltd. 4950 Yonge Street Suite 1002 Toronto ON M2N 6K1
270 JPMorgan Chase Bank, National Association Suite 4500, TD Bank Tower, 66 Wellington Street West Toronto ON M5K 1E7
277 Mizuho Bank Ltd. 100 Yonge Street, Suite 1102 Toronto ON M5C 2W1
301 Sumitomo Mitsui Banking Corporation, Canada Branch Toronto Dominion Centre, Suite 1400, P.O. Box 172 Toronto ON M5K 1H6
318 U.S. Bank National Association 120 Adelaide Street, 23rd Floor Toronto ON M5H 1T1
322 Rabobank Canada 22 Adelaide St. West Suite 3720, Bay Adelaide Centre East Tower Toronto ON M5H 4E3
323 Capital One Bank (Canada Branch) 161 Bay Street, 19th Floor Toronto ON M5J 2S1
327 State Street 30 Adelaide Street East, Suite 1500 Toronto ON M5C 3G6
328 Citibank, N.A 123 Front Street West, 19th Floor Toronto ON M5J 2M3
330 Comerica Bank Suite 2200, South Tower, Royal Bank Plaza, P.O. Box 61 Toronto ON M5J 2J2
332 First Commercial Bank #100 – 5611 Cooney Road Toronto ON V6X 3J6
335 United Overseas Bank Limited 650 West Georgia Street, Suite 2400, Vancouver Centre, P.O. Box 11616 Vancouver BC V6B 4N9
345 Fifth Third Bank, National Association 20 Bay Street, 12th Floor Toronto ON M5J 2N8
346 Société Générale (Canada Branch) 1501 McGill College Avenue, Suite 1800 Toronto ON H3A 3M8
349 The Northern Trust Company, Canada Branch 145 King Street West, Suite 1910 Toronto ON M5H 1J8
357 M & T Bank Brookfield Place, TD Canada Trust Tower, 161 Bay Street, 27th Floor Toronto ON M5J 2S1
360 Barclays Bank PLC, Canada Branch Bay Adelaide Centre, 333 Bay St., Suite 4910, Box 9 Toronto ON M5H 2R2
362 Wells Fargo Bank, National Association, Canadian Branch 22 Adelaide Street West Suite 2200 Toronto ON M5H 4E3
365 PNC Bank Canada Branch 130 King W York ON M9N 1L5
366 China Construction Bank Toronto Branch 181 Bay Street, Suite 3650 Toronto ON M5J 2T3
372 Bank of China, Toronto Branch First Canadian Place, 100 King St. W, Suite 6108 Toronto ON M5X 1C8
809 Central 1 Credit Union 1441 Creekside Drive Vancouver BC V6J 4S7
815 Fédération des caisses Desjardins du Quebec 1170, rue Peel, bureau 600 Montreal QC H3B 0B1
819 Caisse Populaire Group Financier Ltée 400-205, boulevard Provencher Winnipeg MB R2H 0G4
828 Central 1 Credit Union 1441 Creekside Drive Vancouver BC V6J 4S7
829 Caisse Desjardins Ontario Credit Union Inc. 214, Chemin Montréal Ottawa ON K1L 8L8
839 Atlantic Central 6074 Lady Hammond Road, P.O. Box 9200 Halifax NS B3K 5N3
849 Atlantic Central 6074 Lady Hammond Road, P.O. Box 9200 Halifax NS B3K 5N3
865 Caisse populaire acadienne ltée Place de l’Acadie, 295 St. Pierre Blvd West, P.O. Box 5554 Caraquet NB E1W 1B7
869 Central 1 Credit Union 1441 Creekside Drive Vancouver BC V6J 4S7
879 Credit Union Central of Manitoba Limited 400-317 Donald Street Winnipeg MB R3B 2H6
889 Credit Union Central of Saskatchewan 2055 Albert Street, P.O. Box 3030 Regina SK S4P 3G8
890 Caisse populaire Alliance Limitée 1870, rue Bond North Bay ON P1B 4V6
899 Credit Union Central Alberta Limited 350N-8500 Macleod Trail South Calgary AB T2H 2N1
702 Manufacturers Life Insurance Company 200 Bloor Street East Toronto ON M4W 1E5
219 ATB Financial 16th Floor, 10020 – 100 Street Edmonton AB T5J 0N3
701 Edward Jones 902-90 Burnhamthorpe Road West Mississauga ON L5B 3C3
703 Wealthsimple Investments Inc. 201 – 80 Spadina Avenue Toronto ON M5V 2J4
507 Community Trust Company 2350 Matheson Blvd. E. Mississauga ON L4W 5A9
509 The Canada Trust Company TD Canada Trust, 4880 Tahoe Blvd. Mississauga ON L4W 5P3
522 Trust La Laurentienne du Canada Inc. 1981, avenue McGill Collège, Bureau 2070 Montréal QC H3A 3K3
532 Effort Trust Company 240 Main Street East Hamilton ON L8N 1H5
536 Investors Group Trust Co. Ltd. One Canada Centre, 447 Portage Avenue Winnipeg MB R3C 3B6
548 CIBC Trust Corporation Suite 1000, 55 Yonge Street Toronto ON M5E 1J4
550 Montreal Trust Company of Canada 44 King Street West Toronto ON M5H 1H1
551 Sun Life Financial Trust Inc. 227 King Street South, P.O. Box 1601, STN Waterloo Waterloo ON N2J 4C5
568 Peace Hills Trust Company Peace Hills Trust Tower, Samson Mall Hobbema AB T0C 1N0
570 The Royal Trust Company Royal Trust Tower, 10th Floor, P.O. Box 7500, Station A Toronto ON M5W 1P9
580 Royal Trust Corporation of Canada Royal Trust Tower, 10th Floor, P.O. Box 7500, Station A Toronto ON M5W 1P9
590 National Trust Company 1 Ontario Street Stratford ON N5A 6S9
597 TD Mortgage Corporation P.O. Box 191, Toronto-Dominion Centre Toronto ON M5K 1A2
603 TD Pacific Mortgage Corporation TD Tower, P.O. Box 191, Toronto-Dominion Centre Toronto ON M5K 1A2
604 HSBC Mortgage Corporation (Canada) Hongkong Bank of Canada Building, 885 West Georgia Street, Suite 300 Vancouver BC V6C 3E9
606 Scotia Mortgage Corporation 44 King Street West Toronto ON M5H 1H1
612 Natcan Trust Company 600 de la Gauchetière Ouest Montreal QC H3B 4L2
621 Peoples Trust Company 1400 – 888 Dunsmuir Street Vancouver BC V6C 3K4
626 Manulife Trust Company 500 King Street North Waterloo ON N2J 4C6
627 Home Trust Company 145 King Street West, Suite 2300

Identifying Bank Codes: A Practical Guide

Knowing your bank code can help make complete and complete financial tasks. Several methods can help you identify your code:

  • Bank Statement: Your bank statement typically displays the institution number (FIN) prominently.
  • Cheque: The bottom left corner of your cheque usually features both the FIN and transit number.
  • Online Banking: Accessing your online banking platform often reveals your bank code within your account details.
  • Bank Website: Most banks list their institution numbers on their official websites.
  • Financial Institution Lookup Tools: Online tools like the Canadian Payments Association’s website allow you to search for bank codes by institution name or other identifiers.

Remember, the transit number is only relevant for domestic transactions within Canada. For international transfers, only the institution number (FIN) is required.

Navigating Common Scenarios: Using Bank Codes Effectively

Understanding bank codes empowers you to navigate various financial scenarios with confidence. Here are some situations where understanding bank codes is particularly beneficial:

  • Electronic Funds Transfers (EFTs): When sending or receiving money electronically, providing the correct FIN ensures the funds reach the intended recipient’s institution.
  • Direct Deposits: Setting up direct deposit for payroll or benefits requires providing your bank code and account number to your employer or service provider.
  • Bill Payments: Paying bills electronically often requires entering the recipient’s institution number (FIN) alongside other account details.
  • Cheque Deposit: While cheques are becoming less common, understanding the transit number on your cheque remains essential for depositing it at the correct branch or clearing center.

Knowing your bank code and recognizing its purpose within different financial activities empowers you to be a more informed and efficient participant in the Canadian financial system.

Exploring Additional Nuances

The world of bank codes extends beyond basic understanding. Here are some additional nuances to consider:

  • Bank Mergers and Acquisitions: When banks merge or acquire other institutions, their FINs may change. Be mindful of updated bank code information in such situations.
  • Alternative Payment Methods: Newer payment methods like Interac e-Transfer may rely on different identifiers beyond traditional bank codes. Familiarize yourself with the specific requirements of each payment system you use.
  • Cross-Border Transfers: International transfers may involve additional codes like SWIFT codes alongside the FIN, depending on the specific financial institutions and countries involved.

By staying informed about these nuances and continually expanding your knowledge, you can navigate the dynamic and ever-evolving landscape of Canadian financial transactions with confidence.


Understanding Canadian bank codes equips you with valuable knowledge for navigating the complexities of the financial system.

This guide has served as a comprehensive resource, demystifying the purpose, format, and significance of these codes in everyday financial activities. By actively engaging with this information and seeking further clarification when needed, you empower yourself to become a more informed and efficient participant in the Canadian financial landscape.

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