Is MCOTCAT1 a valid SWIFT code?

Yes. MCOTCAT1 has the right format and is in our directory for SUN LIFE FINANCIAL TRUST INC., TORONTO. Confirm with the beneficiary that it is the bank that holds their account.

What is the difference between MCOTCAT1 and MCOTCAT1XXX?

None. MCOTCAT1 is the 8-character form of MCOTCAT1XXX; XXX at the end means the head office. Either works.

SWIFT/BIC · Canada

MCOTCAT1

SUN LIFE FINANCIAL TRUST INC. · Head office · TORONTO

Code details

SWIFT/BIC: MCOTCAT1 (MCOTCAT1XXX)
Institution: SUN LIFE FINANCIAL TRUST INC.
Office: Head office
Branch code: XXX · head office
Address: 1 YORK STREET, M5J 0B6 TORONTO
City: TORONTO
Country: Canada

What MCOTCAT1 means

MCOTCAT1XXX

MCOTBank code
Four letters chosen by the institution.
CACountry code
Canada (ISO 3166)
T1Location code
Where the institution sits on the SWIFT network. A 1 in second place marks a passive participant.
XXXBranch code
XXX, or nothing at all, means the head office.

Paying an account at this bank

Canada does not use IBAN: send the beneficiary’s local account number with this code. Check an IBAN →

Questions

Is MCOTCAT1 a valid SWIFT code?: Yes. MCOTCAT1 has the right format and is in our directory for SUN LIFE FINANCIAL TRUST INC., TORONTO. Confirm with the beneficiary that it is the bank that holds their account.
What is the difference between MCOTCAT1 and MCOTCAT1XXX?: None. MCOTCAT1 is the 8-character form of MCOTCAT1XXX; XXX at the end means the head office. Either works.

Sending to MCOTCAT1?

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About this data

Codes are checked against our directory of banks on TrillioniPay corridors. Always confirm the code with the beneficiary’s bank before sending a payment. Last updated: 23 September 2026.

Institution names and addresses: Global Legal Entity Identifier Foundation (GLEIF) LEI data, available under CC0. The address is the legal entity’s registered or head-office address, which can differ from the office SWIFT lists.

SWIFT © and database rights August 2026. All rights reserved. This Mapping Table has been developed by SWIFT. Any use of the Mapping Table, in whole or in part, is subject to the BIC/LEI Mapping Table License Agreement as published with the Mapping Table available on GLEIF's website. The Mapping Table is updated monthly. For the latest BIC information and updates, always refer to www.swift.com/bic .