Charles Schwab Routing Number: What You Need to Know

You'll need the right routing number to transfer money in or out of your Charles Schwab bank account. Find yours and learn more about money transfers in our guide.

Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as the address 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

Banks with branches in more than one state usually have more than one routing number. But Charles Schwab works a little differently. All customer accounts use the same ABA routing number.

Keep reading to learn how to find the right Charles Schwab routing number for your transaction.

Charles Schwab Routing Number

The routing number for all Charles Schwab bank accounts is 121202211.

That includes savings accounts—they use the same routing numbers as checking accounts. But you'll use a different routing number for wire transfers (more on that below).

To move your money, you'll also need the bank account number. Keep reading for some ways to find both.

How to Find Your Charles Schwab Routing Number

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Use a Check
You can find your routing and bank account number on the bottom of the checks connected to your checking account. The 9-digit routing number is on the bottom left of the check. The long series of digits beside it is your account number.

Go Online
Log into your Charles Schwab account portal online. Find the Accounts page, then navigate to History, and from there, Statements and Reports.

Click on your most recent statement to find your account and routing numbers.

Call Customer Service
If you don't have online access or a check handy, call Charles Schwab customer service at (800) 435-4000. Representatives are available 24/7.

After you provide a few details to identify yourself, a representative will guide you to locate your account information.

Routing Numbers for Domestic/International Wire Transfers

Wire transfers are a faster way to send money than an ACH transfer, but they typically cost a fee. To wire funds with a personal Charles Schwab bank account, you can initiate the wire:

• Online
  
• By telephone
  
• By submitting a completed Charles Schwab Bank Wire Transfer Request and Authorization Form before 2 p.m. ET on the day you'd like to send the wire transfer

You won't use the regular Charles Schwab routing for wire transfers. Keep reading to learn more.

To Make A Domestic Wire Transfer (Within The US)
Use the Charles Schwab domestic wire transfer routing number 021000089.

Charles Schwab Wire Transfer Fees

To Make An International Wire Transfer
Use the Charles Schwab SWIFT code CITIUS33.

SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are the international equivalents of U.S. routing numbers. They direct the money to the correct bank for international transfers.

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 Charles Schwab Routing Number Should You Use?

For any domestic money transfer, use the Charles Schwab ABA routing number 121202211.

For any domestic wire transfers, use the Charles Schwab domestic wire transfer routing number 021000089.

For international wire transfers (meaning a wire transfer to or from an account located outside the United States), use Charles Schwab SWIFT code CITIUS33.

Bottom Line

You'll likely need your Charles Schwab routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.