Here’s 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 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.Â
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.
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- 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?"