BANK013 — Canadian and Australian Bank Account Number Formats

Some banks in Canada and Australia format account numbers differently depending on the transfer type. Use this guide to enter the correct account number when linking a bank account, so your transfer isn't delayed or returned.

Canadian banks

Canadian bank details have three parts: a transit number (5 digits, identifies your branch), an institution number (identifies your bank) and your account number. You can find all three on a void cheque or in your online banking.

The account number length you need depends on your bank and whether you're sending by EFT or wire, Xtrm collects both information but ultimately you can choose the method during the transfer process.

Bank-specific instructions

BMO — For wires, enter the first 4 digits of your transit number followed by your 7-digit account number (11 digits in total). Your local account number, input only your 7-digit account number.

Scotiabank — For wires, enter your 5-digit transit number followed by your 7-digit account number (12 digits in total). In rare cases, your void cheque shows a 12-digit account number. If so, use that number as shown. Your local account number, input only your 7-digit account number

RBC — For wires, enter your 5-digit transit number followed by your 7-digit account number (12 digits in total). Your local account number, input only your 7-digit account number

RBC (former HSBC accounts, institution 0016) — HSBC Canada accounts are now part of RBC. Use your 9-digit account number exactly as provided by your bank, for both EFT and wire.

TD — TD account numbers can be 7 or 11 digits.

• If your account number has 7 digits:

  • EFT: enter the 7-digit account number only.

  • Wire: enter the first 4 digits of your transit number followed by your 7-digit account number (11 digits in total). For example, with transit number 12345 and account number 1234567, enter 12341234567.

• If your account number has 11 digits: this is a 4-digit designated number followed by your 7-digit account number. Use the same 11 digits for both EFT and wire. Note that the designated number is not always the same as your transit number, so copy the full 11 digits from your cheque or online banking.

National Bank — Always enter a 7-digit account number.

CIBC — Always enter a 7-digit account number.

ATB Financial — Your account number should be 11 digits. If your account number only has 9 digits, add two zeros in front (for example, 123456789 becomes 00123456789).

Alterna Savings — Always add 10001 in front of your account number.

Credit unions — Account numbers are usually 7 to 12 digits, depending on the credit union, and can't be more than 12 digits.

Australian banks

Australian bank details include a 6-digit BSB number and your account number. Account number length varies by bank:

Still not sure?

If you're unsure which account number to use, check with your bank or contact Xtrm Support before linking your account. For help with bank codes in other countries, see BANK002 — Understanding Bank Routing Codes and BANK004 — Bank Formatting Guide.