October 13, 2019

Capital One Routing Number: What You Need to Know

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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 savings accounts use the same routing numbers as checking accounts.

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 InstitutionRouting 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.

Is There a Routing Number on Your Debit or Credit Card?
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.

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.

Breaking down your 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 InstitutionRouting Number
Capital One Bank (USA), N.A.051405515
Capital One, N.A.056073612

Capital One Wire Transfer Fees
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.

Capital One's wire transfer format can differ depending on which country you are sending funds to. See a complete list of the information required for Capital One international wire transfers in their transfer guide here.

PRO TIP: When you send or receive money using your bank, you might lose out on a bad exchange rate and pay hidden fees as a result. That's because most banks still use an old system to exchange money. Consider using Wise, which is usually much cheaper.

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 InstitutionRouting 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 InstitutionRouting 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.

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