
TD Canada Trust routing numbers are used for various transactions, including direct deposits, wire transfers, and bill payments. They're essential for getting your money where it needs to go.
In Canada, TD Canada Trust is a major bank with a wide reach, but its routing numbers vary depending on the province. A single TD Canada Trust account can have multiple routing numbers.
To find the right TD Canada Trust routing number for your needs, you'll need to know the type of transaction you're making and the location of the bank.
What Is a Routing Number?
A routing number is a unique identifier for financial institutions that ensures banking transactions are directed to the appropriate accounts. It's like a postal code for your bank account, ensuring funds get appropriately routed.
In Canada, all routing numbers are 9 digits long. This includes a 5-digit transit number identifying the specific branch and a 3-digit institution number identifying the financial institution.
For TD in Canada, the institution number is always 004. The transit number corresponds to your particular TD branch location where your account was opened.
Here's a breakdown of what makes up a TD routing number:
Routing numbers first came into widespread use in 1910 when the American Bankers Association introduced them to streamline interbank transactions. Today, they continue to be important for accurately directing funds to their destination and connecting various accounts and systems.
Where to Find Your Routing Number
If you're looking for your TD routing number, one of the easiest ways is by using a cheque associated with your account. The routing number is listed at the bottom of the cheque, but it might not be immediately clear where it is.
You can find your TD routing number on a cheque by looking for the string of numbers at the bottom. It's the one with the static "004" number, which is the institution number for TD.
Not all cheques will look the same, and the marks between the transit number and the institution number may be different or not there at all. But if you know the institution number for TD is 004, you can easily locate the routing number.
If you don't have a cheque, you can also find your TD routing number using your online banking account. Log in to your EasyWeb account, select "Accounts" from the left menu, and then select the account that you want your routing number for.
You can also check your bank statement, cheque, or deposit slip for your routing number and transit number. If your transit number only includes 4 numbers, add a 0 to the front of it to create a 5-digit number.
Here are some common places to find your TD routing number:
- On a cheque
- In your online banking account
- On your bank statement or cheque
- On your deposit slip
If you're having trouble finding your transit number, here are some troubleshooting tips:
- If your transit number only includes 4 numbers, add a 0 to the front of it.
- If your account number is only 9 digits long and you need an 11-digit account number, add 2 0's to the front of your account number.
Uses and Requirements
Your TD Canada Trust routing number is essential for various banking activities and transactions. It's like a postal code for your bank account, ensuring funds get routed correctly.
To set up direct deposit of paychecks or other regular payments, you'll need your TD routing number. This is because it helps identify your account and facilitates smooth transfers.
You'll also need your TD routing number for paying bills through pre-authorized debits from your TD account. This ensures that funds are deducted from the correct account.
Transferring funds electronically between accounts requires your TD routing number as well. This is because it helps connect various accounts and systems.
Wiring money domestically and internationally also requires your TD routing number. This ensures that funds are directed to the correct account.
You can access your accounts online or through mobile banking apps using your TD routing number and other account details. This facilitates smooth transactions.
Here are the common uses of your TD routing number in Canada:
- Setting up direct deposit of paychecks or other regular payments
- Paying bills through pre-authorized debits from your TD account
- Transferring funds electronically between accounts
- Wiring money domestically and internationally
- Accessing your accounts online or through mobile banking apps
In-person banking services like cheque deposits or cash withdrawals don't require your TD routing number. However, having it handy ensures accuracy for any electronic transactions.
Verification and Format
Your TD Canada Trust routing number is a crucial piece of information, and verifying it is essential to ensure smooth transactions. To verify your routing number, check your online banking account, which lists all the necessary details, including your transit number, account number, and institution number.
If your transit number only includes 4 numbers, add a 0 to the front of it. For example, if your transit number looks like "5678", add a 0 to create "05678".
Your bank statement, cheque, or deposit slip should also list your routing number and transit number. Double-check these documents to ensure accuracy.
If you have an account number that's only 9 digits long, but the document you're filling out requests an 11-digit account number, add two 0's to the front of your account number.
Banking and Cheques
If you don't have a cheque book, you can still find your TD routing number using your TD online banking account. To do this, log in to your EasyWeb account, select "Accounts" from the left menu, and then select the account that you want your routing number for.
You can find your TD routing number prominently displayed on the "Direct deposit form (PDF)" link on the right side of the page. This will display a pop-up PDF that's pre-filled with your branch number and institution number, which includes your routing number.
If you're not sure how to find your TD routing number, you can also check out our series on Canadian bank routing numbers, which includes a guide on how to find your TD routing number.
Do I Need a Routing Number for In-Person Banking?
If you're planning to visit a bank branch in person, you might wonder if you need to provide a TD routing number. The good news is that you don't need one for in-branch services like cheque deposits or cash withdrawals.
Your physical client card or government ID is sufficient for these types of transactions. However, having your routing number handy ensures accuracy for any electronic transactions.
Providing an incorrect account number could result in funds being deposited into someone else's account incorrectly if the account number exists. Contact TD to help resolve the error and redirect your funds.
How to Bank Without a Cheque
Banking without a cheque is the norm these days, but it's still surprising how many people rely on cheques for everyday transactions.
You can find your TD routing number online through your EasyWeb account, making it easy to access without needing a cheque book.
In Canada, TD routing numbers are 9 digits long and consist of a 5-digit transit number identifying your branch and a 3-digit institution number for TD (004).
To log in and find your routing number, simply select "Accounts" from the left menu, choose the account you want the number for, and click on the "Direct deposit form (PDF)" link on the right side of the page.
This will display a pre-filled PDF with your branch number and institution number, making it easy to find your routing number.
Having your TD routing number handy is essential for various banking activities, including setting up direct deposit, paying bills, and transferring funds electronically.
You can use your routing number for domestic and international wire transfers, but be sure to use TD's specific international wire transfer routing number and SWIFT code along with your account details.
In fact, your routing number is required for any situation that requires correct account identification, such as accessing your accounts online or through mobile banking apps.
Here's a quick rundown of how to find your TD routing number if you don't have a cheque:
- Log in to your EasyWeb account
- Select "Accounts" from the left menu
- Select the account you want your routing number for
- Click on the "Direct deposit form (PDF)" link on the right side of the page
By following these simple steps, you can easily find your TD routing number and start banking without a cheque.
Using Cheques
You can find your TD routing number on a cheque by looking at the bottom of the cheque, specifically where the funny-looking numbers are.
Not all cheques look the same, so be prepared for variations in the layout of your TD cheque.
The routing symbols between sets of numbers may be different from the example shown, but knowing that TD's institution number is 004 can help you locate your routing number.
To avoid confusion, make sure you don't mix up the institution number with the individual cheque number, which changes when you flip through cheques in a cheque book.
Finding a Cheque
If you need to find your TD routing number, a cheque is a great place to start. The routing number is listed at the bottom of the cheque, along with other important numbers.
Some cheques will have the routing number clearly separated from the other numbers, while others may have it as a single string of digits with no separation. Either way, you can use the fact that TD's institution number is 004 to help you locate your routing number.
Just be sure not to confuse the routing number with the individual cheque number, which is the only number that should change when you flip through individual cheques in a cheque book.
You can also look for the cheque number, which is the number that changes on every cheque. The routing number, on the other hand, will remain the same.
Here's a simple way to remember the difference: the cheque number is the one that's changing, while the routing number is the one with the static "004" number.
If you're still having trouble finding your TD routing number on a cheque, try looking for the transit number, which is often listed along with the routing number.
Types of Numbers and Codes
TD Canada Trust uses different routing numbers for different transactions. Not all routing numbers are created equal, and the right one depends on the type of transaction you're making.
There are different types of routing numbers, and you'll need to choose the right one for each transaction. You might encounter Electronic Transactions Routing Numbers (EFT) or Paper Transactions Transit Numbers (MICR).
Here's a breakdown of the two types of routing numbers:
For wire transfers, you'll need to use a specific routing number. For domestic wire transfers, the TD routing number is 11103093 or 031101266.
Difference Between BIC, SWIFT and IBAN
For international transfers, you need a SWIFT code to identify the financial institution. SWIFT codes are used for international wire transfers and identify the financial institution.
In contrast, you don't need a SWIFT code for domestic transactions. For example, when paying bills in cash or with a cheque at a TD branch, you only need to provide the account number of the biller.
SWIFT codes are different from BIC codes, which are also used to identify financial institutions for international transfers. It's worth noting that BIC and SWIFT codes are often used interchangeably.
IBANs are numbers used to identify your bank account specifically, not just your bank branch or financial institution. They are mostly used in Europe, but are gaining popularity in other areas as well.
Types of Numbers
There are different types of numbers used for various banking transactions, and it's essential to know the right one for each task. Routing numbers identify your bank account, which is why you need to use TD's specific international wire transfer routing number and SWIFT code for cross-border transfers.

For TD, you'll encounter two types of routing numbers: Electronic Transactions Routing Numbers (EFT) and Paper Transactions Transit Numbers (MICR). EFT numbers look like this: 0XXXYYYYY, while MICR numbers look like this: YYYYY-XXX.
Routing numbers are used for domestic transactions, but for international transfers, you'll need a SWIFT or BIC code to identify the financial institution. This is why TD requires both the international wire transfer routing number and SWIFT code for international transactions.
Here are the formats for the two types of TD routing numbers:
IBANs, or International Bank Account Numbers, are used to identify your bank account specifically, not just the bank branch or financial institution. They're commonly used in Europe but are gaining popularity worldwide.
Different
There are different types of numbers and codes used for various financial transactions.
For wire transfers, you need to know the routing number, which can vary depending on the type of transfer.
The TD routing number for domestic wire transfers is 11103093, and sometimes 031101266 is also used.

You'll need a different routing number for international wire transfers, which is 21124450.
To make an international wire transfer, you'll need both the routing number and the SWIFT code, which is NRTHUS33XXX for TD.
It's always a good idea to double-check with your local branch to ensure you're using the right numbers and codes.
TD Canada Trust Specifics
Your TD routing number is a 9-digit code that standardizes interbank communications, enabling quick and accurate fund transfers between accounts.
The code is comprised of a 5-digit transit number identifying your branch and a 3-digit institution number for TD, which is always 004.
To find your TD routing number, you can access your account details digitally or on a cheque, where it will be clearly displayed.
A breakdown of the Canada Bank Routing Number shows that the leading zero is a mandatory digit, followed by the financial institution code, branch transit number, and the remaining digits that make up your unique routing number.
Here's a simple breakdown of the TD routing number structure:
TD Bank Branch 000401652

The TD Bank Branch 000401652 is located at 200 Franklin Blvd in Cambridge, Ontario, with a postal code of N1R 8N8. This branch is a part of The Toronto-Dominion Bank, a well-established Canadian financial institution.
The branch code, also known as the transit number, is 01652. This unique identifier helps facilitate electronic fund transfers within Canada.
The institution code, or the last three digits of the MICR/Transit Number, is 004, which represents The Toronto-Dominion Bank. This code is used to identify the financial institution in electronic transactions.
Here's a breakdown of the routing number for this branch:
The routing number for this branch is 000401652, which is used for electronic fund transfers within Canada. The MICR code/Transit Number is 01652-004, which is used for paper payments.
Toronto-Dominion Bank Branch Breakdown
To break down a Toronto-Dominion Bank branch routing number, you'll need to understand its structure. The routing number consists of 9 digits, with a specific meaning behind each one.
The first digit is a leading zero, used for formatting the Canadian routing number in an electronic transaction.
The next three digits, 004, represent the financial institution code, identifying The Toronto-Dominion Bank.
The last five digits, 01652, are a unique identifier for the particular branch, in this case, The Toronto-Dominion Bank, Td Canada Trust Branch.
Here's a breakdown of the routing number structure:
If you're having trouble finding your routing number, you can try using your banking address to look it up.
Toronto-Dominion Bank Branch MICR Code
The Toronto-Dominion Bank Branch MICR Code is a unique identifier that helps process transactions. It's made up of a combination of numbers that represent the branch and financial institution.
The first five digits of the MICR Code represent the branch transit number, which in this case is 01652. This is the number for The Toronto-dominion Bank, Td Canada Trust Branch.
The next three digits, 004, represent the bank or financial institution code. This is also the code for The Toronto-dominion Bank.
Here's a breakdown of the MICR Code format:
The SWIFT/BIC Code for The Toronto-dominion Bank, Td Canada Trust Branch is TDOMCATTXXX.
Access Online/Mobile Banking
To access online or mobile banking, you'll need to provide your routing number as a form of validation. This is a crucial step in securing your account and ensuring that you can manage your finances conveniently online.
Your routing number is used to verify your identity when logging into digital banking platforms. This means that you'll need to enter it along with your unique username and password to gain access.
You can find your TD routing number in your online banking account, making it easy to access whenever you need it. Simply log in to your EasyWeb account and select the account you want to access.
To find your routing number using your TD online banking account, follow these steps:
- Log in to your EasyWeb account.
- Select “Accounts” from the left menu.
- Select the account that you want your routing number for.
- Click on the “Direct deposit form (PDF)” link on the right side of the page. This will display a pop-up PDF that’s pre-filled with your branch number and institution number.
This process is quick and easy, and it eliminates the need to order a cheque book or wait for it to arrive in the mail.
Frequently Asked Questions
What is the routing number for TD Bank International?
The TD Bank routing number for international wire transfers is 211274450. This number can also be used for international wire transfers from the US.
What is the international bank code for TD Canada Trust?
The international bank code for TD Canada Trust is TDOMCATTTOR. This code applies to all TD Canada Trust accounts and branch locations worldwide.
Sources
- https://lifebuzz.ca/td-routing-number-in-canada/
- https://bankcodesfinder.com/canada-routing-numbers/bank/the_toronto_dominion_bank/ontario/cambridge/td_canada_trust
- https://www.policyme.com/blog/how-to-find-your-td-routing-number
- https://en.wikipedia.org/wiki/Routing_number_(Canada)
- https://comparewise.ca/personal-finance/how-to-find-a-td-routing-number/
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