BMO HARRIS BANK NA Routing Number IL - 122487226

You send exactly

2.49 USD
3.77 USDOur fee
–
6.26 USDTotal fees
=
993.74 USDTotal amount we’ll convert
×
0.9149

Recipient gets

Send money now 🚀

See if you can save when sending money to the US.

International payments can be expensive and slow. With many providers hiding fees in their exchange rate.

Check how much an international transfer costs with Wise using our calculator.

We use the mid-market rate and show fees upfront, so you’ll know exactly how much it’ll cost before you hit send.

Wise supports international money transfers to 160 countries in 40 currencies.

ACH vs Wire transfers

Confused about ACH transfers and wire transfers? Both methods electronically move money, but they differ in speed and cost.

ACH (Automated Clearing House) transfers are like sending a check electronically. They take a few business days to complete as they go through a central network for verification. The upside? They're generally free or very low-cost. Perfect for regular bill payments or direct deposits.

Wire transfers, on the other hand, are speedier. They zip directly between banks, often on the same business day, sometimes even instantly. But for this privilege, you'll pay a fee, typically ranging from $25 to $50. So, wire transfers are ideal for urgent transactions or international transfers that ACH can't handle.

122487226 doesn’t support Wire transfers

122487226 supports ACH transfers

Other BMO HARRIS BANK NA routing numbers

Browse other BMO HARRIS BANK NA routing numbers for BMO HARRIS BANK NA.

Where is a routing number on a check?

Your BMO HARRIS BANK NA routing number can be found at the bottom left corner of a check. Here’s how to find your routing number and account number on any check issued by your bank.

How to find your BMO HARRIS BANK NA routing number online

Here are some of the ways to find your number online:

On this website – We've listed routing numbers for some of the biggest banks in the US.
Online banking – You’ll be able to get your bank's routing number by logging into online banking.
Check or statement – bank-issued check or bank statement.
Fedwire – You can look up your routing number on the official website of the Federal Reserve.

To make sure the bank can process your payment securely and quickly, you should always check routing numbers – including numbers on this page – with your bank or your recipient.

Routing numbers, SWIFT codes, BIC and IBANs – what’s the difference?

You’ll need a few details to send or receive a wire transfer – either here in the US or internationally.

Routing numbers help identify banks when processing domestic ACH payments or wire transfers. But only in the United States. You don't need one to make a payment to your friend in France, for example.

SWIFT codes, like routing numbers, also identify banks and financial institutions. This time for international payments. They're sometimes known as BIC codes (Bank Identification Codes)

IBANs (international bank account numbers) identify individual bank accounts. They're issued by many banks in Europe, but banks elsewhere in the world are starting to adopt them as well.

Find Swift Codes

BMO HARRIS BANK NA Routing Number IL - 122487226 - Wise (2025)