M&T Bank routing numbers

Routing numbers are codes of between 8 and 11 digits used by M&T Bank and other banks to help financial institutions identify the location of your account. Called ACH, wire transfer and SWIFT numbers, they're used to process checks, set up autopay, make online payments and transfer money in the US and around the world. Learn how to find the exact routing number you need for your M&T Bank account.

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 number

The 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 number

The 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.

M&T Bank SWIFT code

The SWIFT code for international wire transfers through M&T Bank is . SWIFT codes are a unique combination of letters and numbers that identify specific banks and financial institutions around the globe. Codes indicate four pieces of information used to exchange money internationally between accounts:

• The bank's name
• Its country code
• Its main headquarters
• A particular branch

How to confirm the routing number for M&T Bank on your own

Look 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 line

Routing 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.