BMO Harris Bank / Shutterstock.com
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
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 funds are transferred quickly and accurately.
Continue reading to learn about the routing number for BMO Bank.
BMO Routing Number
The routing number for all BMO personal bank accounts is 071025661.
BMO maintains just one account number for all its personal bank accounts, regardless of the account holder’s state of residence or branch location.
However, not all banks follow this model. Some financial institutions maintain separate routing numbers by geographic region. A single bank may also use multiple routing numbers for different purposes.
How Routing Numbers Are Used
Routing numbers are commonly used for:
- Check processing
- Electronic payments
- Direct deposit payments
- ACH transfers
- Electronic bill payments
You may have given your bank’s routing number to your HR department when you set up direct deposit during the onboarding process at your job. If you’re of retirement age, the government can use your bank’s routing number to direct deposit your Social Security payments into your account.
Locating a Bank’s Routing Number
There are several ways to find a bank’s routing number. In the past, the easiest way to find your bank’s routing number was to look in your checkbook: the first nine digits listed at the bottom of a check are the routing number. However, as electronic payment methods have become more common and checks are less often used, this method is less helpful than it once was.
Alternative methods for locating your bank’s routing number include:
- Conducting a search of your bank’s website.
- Getting in touch with a customer service representative from your bank.
- Looking on your online bank account or mobile app.
- Using the online ABA Routing Number Lookup tool.
BMO SWIFT Code for International Wire Transfers
International wire transfers use SWIFT codes to identify the banks that receive and transfer funds. BMO lists the following two on it’s website:
- For Wire Payments in Canadian Dollars, BMO’s SWIFT BIC code is: BOFMCAM2
- For Wire Payments in USD: PNBPUS3NNYC
Final Take
Because routing numbers are publicly available information, it’s easy to find your bank’s routing number online. Just make sure the website you’re consulting is reputable and up to date.
Make your money work for you
Get the latest news on investing, money, and more with our free newsletter.
By subscribing, you agree to our Terms of Use and Privacy Policy. Unsubscribe at any time.
Thanks!
You're now subscribed to our newsletter. Check your inbox for more details.
More on BMO Bank
- BMO Bank Review
- BMO Promotions
- BMO Bank Cash Back Mastercard Review
Compare to Other Banks
- Chase Bank Review
- US Bank Review
- PNC Bank Review
- Wells Fargo Review
FAQ
Here are the answers to some of the most frequently asked questions regarding routing numbers.
- Can a bank have more than one routing number?
- Yes. Many larger banks haveseparate routing numbers for different geographic regions. A bank might have multiple routing numbers for a single state or a routing number that covers more than one state. Banks may also maintain separate routing numbers for different types of transactions.
- What if you need to make an international transfer?
- Routing numbers are only used for domestic bank transfers. International wire transfers require a different identifying number, such as a SWIFT or IBAN code.
- Are routing numbers the same thing as SWIFT codes?
- No. Routing numbers are used to facilitate bank transfers between financial institutions based in the U.S. SWIFT codes are unique identification codes used to facilitate international transactions.
Sean Dennison contributed to the reporting for this article.
Information is accurate as of June 18, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.
- Western Union. 2022. "SWIFT or IBAN: Which Do I Need for Money Transfers?"
- Social Security. "Where Can I Find My Account Information?"
- Experian. 2021. "Routing Number vs. Account Number: What’s the Difference?"
- Chase. "ACH and ABA routing numbers: What’s the difference?"
