Canada's banking system runs on Lynx (real-time large-value) and Interac (instant retail). The country's currency is the CAD. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Canada.
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Details
Canada runs its domestic interbank settlement on Lynx (real-time large-value) and Interac (instant retail). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in Canada: RBC Royal Bank (ROYCCAT2, Toronto), TD Bank (TDOMCATTTOR, Toronto), Bank of Montreal (BOFMCAM2, Toronto), Scotiabank (NOSCCATT, Toronto), CIBC (CIBCCATT, Toronto), National Bank of Canada (BNDCCAMM, Montréal).
RBC Royal Bank — SWIFT/BIC ROYCCAT2, headquartered in Toronto. Largest Canadian bank by assets and market cap.
TD Bank — SWIFT/BIC TDOMCATTTOR, headquartered in Toronto. Top-two Canadian bank; major US presence.
Bank of Montreal — SWIFT/BIC BOFMCAM2, headquartered in Toronto. Oldest Canadian bank; strong commercial banking.
Scotiabank — SWIFT/BIC NOSCCATT, headquartered in Toronto. Most international Canadian bank; Latin America focus.
CIBC — SWIFT/BIC CIBCCATT, headquartered in Toronto. Big-six Canadian bank; major retail and corporate.
National Bank of Canada — SWIFT/BIC BNDCCAMM, headquartered in Montréal. Largest Quebec bank; growing pan-Canadian.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
Key facts
Country: Canada (CA)
Currency: CAD
Domestic settlement: Lynx (real-time large-value) and Interac (instant retail)
Number of major banks listed: 6
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in Canada?
The largest banks in Canada include RBC Royal Bank, TD Bank, Bank of Montreal, Scotiabank.
What is the SWIFT code for RBC Royal Bank?
RBC Royal Bank's primary SWIFT/BIC is ROYCCAT2 (head office in Toronto). Branches use 11-character extensions of this code.
How are domestic payments settled in Canada?
Lynx (real-time large-value) and Interac (instant retail)
How do I track a SWIFT payment to or from Canada?
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Canada (or the international intermediary) is currently holding the payment.