Scotiabank Routing Number, Transit Number and Institution Number

Are you setting up automatic bill payments or signing up for direct deposit with your Scotiabank account? You’ll need your Scotiabank routing number. This detailed guide will walk you through exactly how to find your routing number for any Scotiabank account, whether you have a chequebook or not. Read on to learn everything you need to locate your Scotiabank routing number confidently.

What is a Scotiabank Routing Number?

A routing number is a 9-digit code made up of two parts that identify your bank and branch:

• Transit number – 5 digits – represents the specific Scotiabank branch location where your account is held.
• Institution number – 3 digits – identifies Scotiabank as a financial institution.

Scotiabank requires routing numbers to match your branch when setting up financial links between your account and external billers or employers. Your unique routing number enables accurate routing of transactions like automatic bill payments, direct deposits and wire transfers to your account. So, it’s essential to use the correct routing number assigned to your branch.

Scotiabank Routing Number Format

Scotiabank displays routing numbers in a standard format:

XXXXX-YYY

Where:

XXXXX = Transit Number

YYY = Institution Number (002 for Scotiabank)

For example, if a Scotiabank branch has a transit number of 11080, the routing number would be 11080-002.

Some forms or online registration may ask you to input a long string of 9 digits without the hyphen:

0YYYXXXX

For example: 000211080

Both formats are correct as long as the transit number and institution number match your branch.

Scotiabank Institution Number and Scotiabank Transit Number

Scotiabank institution number is 002 for all branches.

Scotiabank has over 900 branches in Canada, and each branch has a distinct transit number (branch number). The table below shows some of the transit numbers of Scotiabank’s major branches across the country:

Why Do You Need Your Scotiabank Routing Number?

Here are some key situations when you’ll need to provide your unique Scotiabank routing number:

Setting Up Automatic Payments

Giving your Scotiabank routing number to billing companies allows them to withdraw your monthly payments automatically. This ensures you never miss a payment deadline.

Common bills paid via automatic withdrawal include:

• Mortgage or rent
• Car loans
• Insurance premiums
• Utility bills
• Mobile phone plans
• Gym memberships
• Streaming services

Receiving Direct Deposits

Providing your employer or government institution with your routing number enables direct deposit of funds into your Scotiabank account. Common direct deposits include payroll, pension payments, tax refunds, child benefit payments, and other government benefits.

Making Wire Transfers

Your routing number must be accurate when transferring funds by wire from your Scotiabank account internationally or to another bank.

Where to Find Your Scotiabank Routing Number

There are a few easy ways to find your correct Scotiabank routing number.

On Your Scotiabank Cheque

The last line of numbers on the cheques contains all the details needed for accurate routing – cheque number, routing number, and account number. You can identify your account number by the last 7-12 digits. And the first 3 digits on the bottom left are the individual cheque number.

Through Scotiabank Online Banking

If you do not have cheque access for your account, you can easily look up your routing number through Scotiabank Online Banking. Log in to your online banking account and then go to your Account Summary page. Select your chequing or savings account, your transit number, institution number and account number will be shown in the account details section.

You can also print a cheque reorder form or a void cheque from Scotiabank online banking. This will display the complete routing number to use for that account.

Using Your Scotiabank Branch Address

If you don’t have a cheque or online access, you can look up your transit number based on your branch address on payments.ca, as mentioned before, or use Scotiabank Branch Locator. Input your branch address, city, or postal code to find the corresponding 5-digit transit number assigned to that location. Remember to always combine it with the 3-digit Scotiabank institution number 002.

Use Your Scotiabank Routing Number Confidently!

Locating your routing number is quick and simple, regardless of whether you use online banking or cheques. With this guide, you can find your Scotiabank routing number swiftly when required for automatic payments.

Remember, double-check that you have the right routing number matching your branch before setting up any new direct withdrawals or deposits. An incorrect routing number could lead to delays or errors in processing transactions.

Now you can provide your unique Scotiabank routing number to employers, billers and government institutions with confidence for smooth automatic withdrawals and deposits.

Set Up Automatic Bill Payments with Scotiabank

Tired of keeping track of bill due dates and making multiple manual payments every month? Let Scotiabank do the work for you instead. Follow these five easy steps to set up automatic bill payments with Scotiabank:

Step 1. Locate Your Routing Number

The first step is to find your routing number. Refer to the third section of this guide for the various ways to look up your correct routing number.

Step 2. Contact the Billing Company

Reach out to the company you want to set up automatic payments with. Let them know you would like to establish a pre-authorized debit agreement. Most major companies, like mobile carriers, utilities, insurance providers, etc., offer automated debits. But smaller businesses may still require manual payments.

Check if they have online forms to submit, or call their customer service line. Have your routing number and account number handy to provide.

Step 3. Fill Out the Pre-Authorized Debit Form

The company will either email you a form to fill out or have you complete it over the phone.

Supply them with:

• Your Scotiabank account details
• Payment amount
• Frequency (weekly, bi-weekly, monthly, etc.)
• Payment date

Double-check all the details before submitting them to ensure everything is accurate.

Step 4. Confirm Your Agreement

For phone applications, listen carefully to the confirmation and ensure all the data repeated back is correct. For online/email applications, wait for a confirmation notice that your information was received and successfully processed.

Print or save this authorization agreement as proof of the payment details in case future issues arise.

Step 5. Track Your First Payment

It can take up to 4-6 weeks to fully set up and activate the automated withdrawals. Don’t assume the first payment was processed automatically.

Watch your Scotiabank account over the first payment date to confirm the funds were withdrawn as scheduled.

If the automatic payment doesn’t show, contact the company to troubleshoot. You may need to provide an updated routing number or resubmit the forms.

Routing Numbers for All Your Banking Needs

Need help with routing numbers for other Canadian financial institutions? LifeBuzz have easy-to-follow guides on how to find and use your bank routing number in Canada, including:

• Tangerine Routing Number
• Simplii Financial Routing Number
• RBC Routing Number
• BMO Routing Number
• CIBC Routing Number
• TD Routing Number

Whether you bank with a major bank, a credit union, or online-only, we can assist with routing number lookups. Learn to master your money with confidence!

FAQs about Scotia Bank routing number

Still have questions? Here are answers to some common queries: