Capital One Routing Number: What You Need to Know
Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. This compensation may impact how and where products appear on this site. You help support CreditDonkey by using our links.
What is the routing number for Capital One? Find the right one for your account with our guide.
Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as addresses that let other banks know where to find your money.
You need your routing number for many tasks, including:
- ACH payments
- Setting up direct deposit
- Receiving benefits from the government, including tax refunds
- Transferring money between accounts at different banks or investment firms
- Automatic bill payment
- Domestic wire transfers
Capital One has two routing numbers associated with their two business entities, Capital One Bank (USA), N.A. and Capital One, N.A.
Keep reading to find the right Capital One routing number for your transactions.
Capital One Routing Numbers by State
Your routing number is associated with the institution or entity where you opened your account. You can find that entity on your bank statement located to the right of your account number.
Here are the routing numbers by bank institution:
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073502 |
If you are unsure what institution holds your money, keep reading for other ways to find your Capital One routing number.
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.
Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account.
Tip: Save for what matters most with a savings account. Enjoy the benefits of earning interest while keeping your money secure.
High-Yield Savings Premier - 4.81% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
CIT Bank Platinum Savings - 4.70% APY
- 4.70% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Other Ways to Find Your Capital One Routing Number
© CreditDonkey |
Use a Check
Find the routing number in the lower left-hand corner of the check corresponding to your checking account. It's the first 9 digits located at the bottom of each check.
Go Online
Access your online bank statement by logging in to your account. To the right of your account number will be your Capital One bank entity. Once you know your bank entity, you can determine your routing number using the list provided above.
Call Customer Service
If you don't have online checking or a check handy, call Capital One at 888-810-4013. After you provide a few details to identify yourself, a representative will be able to confirm your account's routing number.
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.
Routing Numbers for Domestic/International Wire Transfers
Wire transfers are a faster way to send money than an ACH transfer, though they typically cost a small fee. In order to send a wire, you'll need to fill out Capital One's Outbound Wire Request Form and mail/fax it for processing.
To Make a Domestic Wire Transfer
Use the routing number that corresponds with your account's bank entity. The Capital One Bank (USA), N.A. routing number for wire transfers is the same as the routing number used for direct deposits and ACH transfers.
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073612 |
Incoming (Domestic and International): $15.00
Outgoing (Domestic): $25.00
Outgoing (International) in foreign currency: $40.00
Outgoing (International) in USD: $50.00
You'll also need the following information for domestic wires:
- The name of the person to whom you're wiring funds (the "beneficiary") as it appears on their account
- The name and address of the beneficiary's bank
- The routing number of the beneficiary's bank
- The beneficiary's account number
To Make an International Transfer
Use the Capital One SWIFT code HIBKUS44.
SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are the international equivalents of the US routing numbers. They direct the money to the correct bank for international transfers.
You'll also need the following information for international wires:
- The name of the person to whom you're wiring funds (the "beneficiary") as it appears on their account
- The name and address of the beneficiary's bank
- The beneficiary's bank account number; for many international transfers, this is called the IBAN number
- The SWIFT code of your bank and the bank you are sending to
- Currency being sent
- Purpose of transaction
Before submitting a wire transfer for processing, it's a good idea to double-check you have all the necessary information entered correctly.
Cheaper and Faster Way to Send Money Internationally
The quickest and cheapest way to send money internationally is to use a money transfer service (instead of Capital One).
Which Capital One Routing Number Should You Use?
Domestic Money Transfer Activity
Use the ABA routing number associated with your account's Capital One entity:
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073502 |
Domestic Wire Transfers
Use the Capital One wire transfer routing number associated with your account's Capital One entity:
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073612 |
International Wire Transfers
Use Capital One SWIFT code HIBKUS44.
Bottom Line
You'll likely need your Capital One routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $400 Bonus
Earn up to $400 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $200 or $5,000 or more to earn $400
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
CIT Bank Platinum Savings - 4.70% APY
- 4.70% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Write to Andrea Sielicki at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
|
|
|
Compare: