Advertiser Disclosure

Here’s Your BMO Routing Number

March 5, 2025

4 min Read

Written by Talon Abernathy

Edited by Nupur Gambhir

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 BMO routing number for all 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.

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

How To Find Your BMO Routing Number

On a Check

For checking accounts, your BMO routing number is located at 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:

Log in to your BMO online banking account.
Navigate to Account Details.
Look for Routing and Account Numbers.

By Contacting Customer Service

If you’re uncertain about 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 calling.

BMO Routing Numbers for Wire Transfers

Wire transfers require specific routing numbers, and international transfers also need a SWIFT code to process. Below are the details for wire transfers within the United States and international transfers from a U.S.-based BMO Harris Bank account.

Transfer Type	Routing Number	SWIFT Code
Domestic Wire Transfer	071025661	N/A
International Wire Transfer	071025661	HATRUS44

Domestic vs. International Transfers

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

For international wire transfers, you’ll 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 certain international transactions, so it’s always a good idea to confirm the details with BMO Harris customer service before initiating a transfer.

BMO Routing Number vs. Account Number: What’s the Difference?

Both your routing number and account number are crucial 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 statements.

How To Use Your BMO Routing Number

Your BMO routing number is necessary for various banking tasks, including:

Setting Up Direct Deposit

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

BMO routing number
Account number
Employer’s direct deposit form

Making ACH Transfers

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 the payment goes through.

Paying Bills Online

When adding BMO as a payment method for utilities, credit card bills, or subscriptions, you’ll be asked for your routing and account number. This allows you to make payments directly from your checking account.

Final Thoughts

Understanding your BMO routing number is essential for managing your finances smoothly. Whether you’re receiving direct deposits, wiring 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.

Sean Dennison contributed to the reporting for this article.

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.