M&T Bank Routing Number & SWIFT Code (2026)
Looking for your M&T Bank routing number, wire transfer number or SWIFT/BIC code? Below are the numbers you need for direct deposits, domestic wires and international transfers — plus how to confirm the right one for your account.
Routing numbers can depend on the state where you opened your account. Before sending money, always confirm the number on the bottom-left of your check, in your banking app, or on M&T Bank's official site.
How to find your M&T Bank routing number
M&T Bank routing numbers vary by region/state. Find yours on a check, in the M&T app, or via the official link below before sending a transfer.
- On a check: the 9-digit number in the bottom-left corner.
- In the app / online banking: under account details.
- By phone: call M&T Bank at 1-800-724-2440.
Wire vs ACH vs SWIFT — which number do I use?
| Transfer type | Use this | Speed |
|---|---|---|
| Direct deposit / bill pay (ACH) | Your state ACH routing number | 1–3 days |
| Domestic wire transfer | Confirm with bank | Same day |
| International transfer | MANTUS33 (SWIFT) | 1–5 days |
Frequently asked questions
What is the M&T Bank wire transfer routing number?
M&T Bank domestic wire routing numbers can vary by account and region. Confirm your wire routing number with M&T Bank or in your account details before sending a wire.
What is the M&T Bank SWIFT/BIC code?
The SWIFT/BIC code for M&T Bank is MANTUS33. You need this code to receive international (foreign) wire transfers.
What is the difference between an ACH and a wire routing number?
An ACH routing number is used for direct deposits, bill payments and standard electronic transfers. A wire routing number is used for same-day domestic wire transfers. They can be different numbers at the same bank.
How do I find my M&T Bank routing number?
M&T Bank routing numbers vary by region/state. Find yours on a check, in the M&T app, or via the official link below before sending a transfer. You can also call M&T Bank at 1-800-724-2440.
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Last reviewed June 2026 by the Buzdy editorial team. Numbers are provided for convenience only — always verify with M&T Bank before transacting.