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M&T Bank routing numbers
Find the correct numbers to set up payments, transfers and autopay in the US and worldwide.
Which M&T Bank routing number do I need?The routing number you need to send or receive money through M&T Bank depends on whether your payment or transfer is domestic or international.
|Transaction||Type of routing number||M&T Bank code|
|Payments and debits between US accounts||ACH routing number||022000046|
|Wire payments between US accounts||Domestic wire transfer number||022000046|
M&T Bank ACH transfer routing numberThe ACH routing number for M&T Bank is 022000046. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to.
M&T Bank wire transfer routing numberThe routing number for US wire transfers through M&T Bank is 022000046. You can use this same number to receive international wire transfers to your M&T Bank account.
How to confirm the routing number for M&T Bank on your ownLook at a paper check associated with your M&T Bank account to find the routing and account numbers for your account.
Other ways to confirm the correct M&T Bank routing number include:
- Call your bank. Your local M&T Bank branch or toll-free support line can provide you with routing numbers.
- Sign in to your online account. Many online bank systems allow you to view the routing and account numbers from your customer dashboard.
- Search Fedwire. Use your name, city or state to look up routing numbers for M&T Bank or double-check the one you have is correct.
Can routing numbers for M&T Bank change?Yes. A bank may be assigned more than one routing number depending on its size and the number of states it services. While M&T Bank is headquartered in Buffalo, services or branches in states outside of New York may require a different routing number. Confirm routing numbers with a M&T Bank agent if you're not sure.
Bottom lineRouting numbers help banks identify your exact account to make digital payments, transfer money and even process paper checks between branches, states and countries. Learn more about how M&T Bank and other financial institutions use these codes to manage your money in our guide to routing numbers.
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