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The Routing Number is used for domestic transfer. To make money transfer, the Routing Number is used together with the bank account number of the recipient. For international inward money transfer, a SWIFT code must be used together with a Routing Number and Account Number.
MICR Numbers or widely known as Transit Numbers are used in cheques processing. It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn.
The format of Routing Number, MICR Number is as follows;
Routing Number - 0AAABBBBB
MICR Number - BBBBB-AAA
- for the routing number, the first digit is the leading zero.
- AAA is three digits code identifying the institution.
- BBBB is five digits code identifying the branch.