Ben Nguyen 
Understanding banking routing numbers and how to find your specific Tangerine bank routing number is important for smoothly setting up direct deposits and automatic bill payments.
This guide will explain exactly what a routing number is, provide the specifics of Tangerine routing number, and give step-by-step instructions for locating it on a cheque or in your Tangerine online banking account.
Understand the Canadian Routing Number Basis
A bank routing number is a 9-digit code that identifies a specific financial institution and branch associated with a bank account. It’s comprised of two components:
- Institution Number (3-digit): Identifies the overall financial institution (e.g., Tangerine, CIBC, RBC)
- Transit Number (5-digit): Identifies the specific branch of that financial institution.
For example, let’s look at the routing number 12140-003:
- 12140 = Transit Number
- 003 = Institution Number
Together, the transit number and institution number form the full routing number that distinguishes an individual branch of a particular bank.
Routing numbers facilitate the electronic transfer of money between banks across Canada and internationally. They allow for seamless direct deposits, bill payments, insurance premium withdrawals, and other automated debits and credits between financial institutions.
So, your own bank’s routing number is key for setting up recurring automatic payments – you need it handy any time you want to enable direct deposit or pay bills online.
What is Tangerine Routing Number?
Tangerine is an online-only bank that provides Canadian banking services digitally nationwide. Unlike brick-and-mortar banks with many branch locations, it operates centralized systems and does not have individual retail bank branches. As a result, all Tangerine bank accounts share the same routing number, no matter where they are held in Canada.
- Tangerine institution number is 614.
- Tangerine transit number is 00152.
The full Tangerine routing number is 00152-614 (paper format) or 061400152 (electronic format).
This standard Tangerine routing number applies universally to all personal and business accounts. Knowing this definitive routing number makes it easy to correctly supply the number needed for automated financial transactions.
Where to Find Tangerine Routing Number and Account Details
Although Tangerine uses one universal routing number, there are a few places you can double-check and verify it for your particular account if needed:
On a Tangerine Cheque
If you have a current Tangerine cheque, the routing number is clearly printed at the bottom left. It appears in the string of numbers, including transit, institution number, along with the cheque number and account number.
In Tangerine Online Banking
Given Tangerine’s focus on digital banking, it’s possible you don’t have paper cheques. In this case, you can easily find the banking detils by logging into your account online:
- Access your Tangerine account homepage and log in.
- Select the applicable chequing or savings account.
- Open the account details, and you will see the routing number and your specific account number.
You can also locate it on electronic direct deposit forms generated from your account.
So whenever you need to reference your Tangrine banking inforamtion, your online account dashboard provides it readily with just a few clicks.
Another option is to contact Tangerine directly. Their banking service representatives can provide the routing number immediately over the phone.
Pro-Tip: To save time in the future, save your routing number and account number in a secure digital location, such as a trusted password manager.
When You Need Tangerine Routing Number
Why exactly do you need to know your bank’s routing number and have it handy? Here are some common situations when providing the Tangerine routing number would be required:
- Setting up direct deposit – Provide Tangerine routing number and your account number to your employer or other income sources like the CRA for seamless electronic deposits.
- Paying bills online – Inputting the Tangerine routing number enables automated bill payments to merchants and service providers.
- Insurance premiums – Auto-paying insurance policies often require submitting your routing and account numbers for smooth withdrawals.
Essentially, any time you are establishing connections for recurring electronic payments, the banking routing number facilitates identifying the correct originating or receiving accounts.
So it’s useful to have Tangerine routing number saved along with your account number in your records for efficient online activity.
Common Mistakes to Avoid With Tangerine Routing Number
When using your routing number, be careful to avoid these common errors:
- Mixing up numbers: Do not confuse the 5-digit transit number (00152) with the 3-digit institution number (614). They must be in the correct order.
- Incorrectly entering it: Some forms require the numbers together (00152614), while others may use a hyphen (00152-614). Pay close attention to the required format.
- Confusing it with your account number: The routing number identifies the bank, while your account number identifies your specific account. Both are required for transactions.
- Using it for international transfers*: The routing number is for Canadian domestic use only.
*How about international tranfers with Tangerine Bank?
You CANNOT use the Canadian routing number for international wire transfers. For those, banks use a SWIFT (or BIC) code. However, Tangerine does not have a SWIFT/BIC code and does not support sending or receiving international wire transfers directly.
If you need to receive money from abroad or send money internationally, you will need to use an alternative method:
- Use a different Canadian bank that supports wire transfers (like Scotiabank, Tangerine’s parent company).
- Use a third-party international money transfer service (such as Wise, Remitly, or others), which you can fund from your Tangerine account.
The Bottom Line
Tangerine operates as a centralized digital bank without localized branches, so all clients share the same routing number of 00152-614. You can easily verify this number printed on your cheque or locate it in your online account details.
Having the routing number together with your unique account number is essential for establishing direct deposits and automated payments to maximize convenience in managing your finances.
More Routing Number Guides for Canadian Banks
Want routing number help for other top banks? The money management gurus at LifeBuzz have convenient guides on How to Find and Use your bank routing number in Canada, including:
- Finding Your Simplii Financial Routing Number
- How to Find Your RBC Routing Number
- How to Find Your Scotiabank Routing Number
- How to Find Your BMO Routing Number
- How to Find Your CIBC Routing Number
- How to Find Your National Bank Routing Number
- How to Find Your TD Routing Number
Check out our routing number articles for all your major Canadian banking needs. Get empowered to transfer, deposit, and pay bills with ease!
Frequently Asked Questions
Is the Tangerine routing number the same for all accounts?
Yes, 00152-614 is universally used as the routing number for all Tangerine personal and business bank accounts across Canada. Tangerine does not have separate branch locations, so all accounts share this single routing number.
Where do I enter Tangerine's routing number for online bills?
When paying bills online through merchants like utility or phone companies, there is typically a section where you can input bank account details, including Tangerine's routing number 00152-614 and your account number. Entering it there links your Tangerine account to make automatic payments.
What happens if I input the wrong Tangerine's routing number?
If you enter an incorrect routing number that does not match Tangerine's 00152-614, any attempted automatic withdrawals or transfers from your Tangerine account will fail. To set up digital payments properly, you must use the exact Tangerine routing number.
Can I pay someone using Tangerine's routing number?
No, Tangerine's routing number is specifically for identifying your account and is not enough on its own to make payments out of your account to other recipients. You would need to initiate transfers or bill payments through Tangerine's online banking.
Where is the account details located on Tangerine printed statements?
Your periodic account statements, printed or digitally from Tangerine, will have the account details printed on the front or back.
Can I register Tangerine's routing number with multiple insurance policies?
Yes, you can use the same Tangerine routing number 00152-614 for automatic withdrawals by multiple insurance companies from your Tangerine account. It identifies your account universally for any payment.
Where should I enter Tangerine's routing number for CRA direct deposits?
When setting up direct deposit with the CRA, there will be fields to enter Tangerine's 00152-614 routing number and your account number to have tax refunds or GST payments deposited automatically.
Who can I call at Tangerine if I cannot find my banking numbers?
If you are unable to locate account number yourself, you can call their customer service line at 1-888-826-4374 and speak with a representative.
How do I authorize automatic transfers using Tangerine's routing number?
To permit recurring transfers from your Tangerine account, provide companies or individuals with Tangerine's nine-digit routing number 00152-614 and your account number to link and authorize the automatic payments.
