(When assigned to a non-financial institution, a code may also be known as a Business Entity Identifier or BEI.) These codes are used when transferring money between banks, particularly for international wire transfers, and also for the exchange of other messages between banks.

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A paper (MICR) routing number is comprised of a three-digit financial institution number and a five-digit branch number.

It is encoded using magnetic ink on paper payment items (such as cheques).

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In Canada, there are two formats for routing numbers: An Electronic Fund Transactions (EFT) routing number is comprised of a three-digit financial institution number and a five-digit branch number, preceded by a "leading zero".

Example : 0XXXYYYYY The electronic routing number is used for routing electronic payment items, such as direct deposits and wire transfers.

Example : XXXXX-YYY SWIFT code (also known as ISO 9362, SWIFT-BIC, BIC code, SWIFT ID or SWIFT code) is a standard format of Business Identifier Codes approved by the International Organization for Standardization (ISO).