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Canadian IBAN to European banks

European banks like 4-digit IBAN, but @BMO transit numbers are 5-digit. Bank advises using first 4 digits of transit plus 7-digit bank account number as IBAN  to receive funds.  Canadian banks don’t use IBAN https://en.wikipedia.org/wiki/International_Bank_Account_Number#Non-EEA BMO advises  “How do I find my BIC

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