Send Money to Canada

Send money to Canada

Canadian transit number

Similar to the US, Canada has a Routing Transit Number (RTN) system as well, only the Canadian version is used only in Canada, it is regulated by the Canadian Payments Association (CPA) and requires a few additional details in order to complete a bank transfer. The CPA maintains both the Financial Institution File (FIF) and the Financial Institutions Branch Directory (FIBD), which together are in charge of creating and identifying Canadian financial institutions.

The Canadian transit number consist of eight digits, unlike the US RTN which consist of 9 digits, where the first five digits represent a branch number, which is usually referred to as the transit number, and the following three represent an institution number. For international transfers, similar to the case of the US, Canadian RTN’s have matching SWIFT codes that should be used. In addition, the CPA requires that the address of the account holder is one of the criteria while a Canadian account holder receive an international transfer.


To complete an international transaction, with Covercy, to Canada, you will need the following details:

  • Transit number – 5 numerical digits
  • Institution number – 3 numerical digits
  • Account number – up to 12 numerical digits
  • Full name of account holder
  • Address of account holder
  • SWIFT code – 8 or 11 digits


Here is an example where your beneficiary can find the transit and financial institution numbers:
canada transit number