This is your BMO routing number

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Routing numbers are used by banks and other financial institutions to identify each other when transferring money. These nine-digit codes help streamline the movement of electronic funds between banks, ensuring that funds are transferred quickly and accurately.

Continue reading to learn about BMO Bank routing numbers.

What is BMO’s routing number?

BMO routing number for all personal bank accounts is 071025661.

How does BMO’s routing number work?

BMO maintains only one account number for all its individual bank accounts, regardless of the account holder’s place of residence or branch location.

However, not all banks follow this model. Some financial institutions maintain different routing numbers according to geographic region. The same bank may also use multiple routing numbers for different purposes.

Note: While 071025661 is commonly used, always verify with your local branch or your cheque. Additionally, users in Canada will have a separate routing number.

How to find your BMO routing number

on a check

For checking accounts, your BMO routing number is located on the bottom left corner of your check.

Here’s how to read your check:

• first set of numbers (leftmost) = routing number
• middle set of numbers = your account number
• last set of numbers = check number

through online banking

You can find your routing number through BMO’s online banking platform:

1. Log in to your BMO Online Banking account.
2. Go to account details.
3. View routing and account numbers.

by contacting customer service

If you are unsure of the correct routing number for your transaction, you can contact BMO Customer Service:

• Canada: 1-877-225-5266
• United States (BMO Harris): 1-888-340-2265

Have your account details ready when you call.

BMO Routing Number for Wire Transfer

Wire transfers require specific routing numbers, and SWIFT codes are also required to process international transfers. Wire transfers within the United States and international transfers from a US-based BMO Harris Bank account are detailed below.

Domestic vs International Transfers

For domestic wire transfers (within the US), use 071025661 as the routing number.

For international wire transfers, you will need:

• Routing Number: 071025661
• Swift Code: HATRUS44
• Recipient’s full name and account number
• Recipient’s bank name and address

BMO Harris may use intermediary banks for some international transactions, so it is always a good idea to confirm details with BMO Harris customer service before initiating a transfer.

BMO Routing Number vs Account Number: What’s the difference?

Your routing number and account number are both important for financial transactions, but they serve different purposes:

• routing number: Identifies the bank and its location.
• Account Number: Uniquely identifies your specific bank account.

Both can be found on your checks, online banking account or bank statement.

How to use your BMO routing number

Your BMO routing number is required for various banking operations, including:

Setting up direct deposit

Many employers require a routing number to set up direct deposit for your paycheck. You must provide your:

• bmo routing number
• account number
• Employer Direct Deposit Form

make an ACH transfer

ACH (Automated Clearing House) transfers are commonly used for online payments and recurring transactions. Whether you’re transferring money between banks or paying bills, using the correct routing number ensures that the payment gets through.

online payment of bills

When adding BMO as a payment method for utilities, credit card bills or subscriptions, you will be asked for your routing and account number. It allows you to get paid directly from your checking account.

Are you ready to use your BMO routing number?

Understanding your BMO routing number is essential to manage your finances smoothly. Whether you’re receiving direct deposit, depositing money, or paying bills, using the correct number prevents delays and transaction issues. If you’re ever unsure, you can always check online or call BMO customer service for assistance.

Shawn Dennison contributed reporting to this article.

Editorial note: This content is not provided by any of the entities involved in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are solely those of the author and have not been reviewed, approved or otherwise endorsed by any entity named in this article.