What is the routing number for Capital One?

capital one

Capital One is probably best known for its credit cards, but the McLean, Virginia-based financial company also owns Capital One Bank, which operates branches in multiple states, primarily on the East Coast. 

If you open an account with Capital One or do business with someone who is a customer of the bank, you’ll need to know their routing number for direct deposits, wire transfers, and other financial transactions.

If you know where to look, you can find Capital One’s routing number in seconds. 

What is a bank routing number?

In the United States, banks and other financial institutions use routing numbers to identify themselves. They are made up of 9 digits and are sometimes called routing transit numbers, ABA routing numbers, or RTNs.

Federal Reserve banks need routing numbers to process Fedwire funds transfers. The ACH network also needs them to process electronic fund transfers, such as direct deposits and bill payments.

What are routing numbers used for?

As you can already imagine, banks use routing numbers for all kinds of financial transactions, such as:

  • Direct deposits. 
  • Automatic payments.
  • Check payments.
  • ACH transfers.

Where can I find my Capital One routing number?

You can find your Capital One routing number on the website as well as the Capital One Mobile app.

To find your Capital One routing number on the website:

  1. Access your account with your username and password.
  2. Click the account you need the routing number for.
  3. Click the “View Details” link to the left of your balance.

To find your Capital One routing number on the mobile app:

  1. Access the Capital One Mobile app. If you don’t have it, text “GET” to 80101 and you’ll receive a download link. You can also get the app from the iOS App Store and Android Google Play.
  2. Select the account for which you need the routing number.
  3. Tap the Details icon next to your available balance.

Other options for finding your Capital One routing number

You can find your Capital One routing number in the lower-left corner of a personal check. It will be the first group of numbers, followed by the account number and the individual check number. If your checks come with deposit receipts, you’ll notice the routing number is on them as well.

If you don’t have checks or deposit slips on hand, you can always call customer service to get your Capital One routing number. For accounts opened online, call 888-810-4013. For accounts opened at branches, call 800-655-2265.

Capital One Routing Numbers

But to make things easier for you, we’ve done the research for you, and in this box, we leave you the routing numbers of Capital One.

Bank Route number

Capital One Bank (USA), NA 051405515

Capital One, N.A. 056073502

Understanding the Capital One Routing Number

At first glance, the Capital One routing number doesn’t say much, but each number has a specific function.

The first section is four digits long and represents the Federal Reserve Processing Symbol, with digits one and two identifying which of the 12 Federal Reserve Districts the financial institution resides in. For example, if you see 02, you know that the bank is located in the District of New York. An 11 would indicate that the business is in the Dallas District. Digits three and four identify the regional processing center and its location.

The next four digits identify the bank, in this case, Capital One. The last digit is called the “check digit” because it is used to validate the routing number.

Capital One routing numbers for wire transfers

Most financial institutions use a separate routing number for their wire transfers. 

For example, Capital One Bank’s wire transfer routing number is 051405515, while the number for the parent company’s other subsidiary, Capital One NA, is 056073612

If you need to send an international wire transfer, you will need to provide the company’s SWIFT code. This code is made up of letters and numbers and has eight to 11 numbers. Capital One’s SWIFT Code is HIBKUS44.

Type of electronic transfer Capital One Bank routing number Capital One routing number

National electronic transfer 051405515 056073612

International wire transfer to a Capital One account in the United States 051405515 056073612

Swift code NFBKUS33 NFBKUS33

How do I transfer funds to or from my Capital One account?

To send a transfer from your Capital One account, follow the steps below.

  1. Collect recipient information. If it’s a title company, you need:
  • The name of the company.
  • The order number (if applicable).
  • The company address.
  • The ABA routing number of the receiving bank account.
  • The address of the receiving bank.
  • The ABA routing number of the intermediary bank (if applicable).
  • The address of the intermediary bank (if applicable).
  • Mobile phone for identity verification in two steps.

If the transfer goes to a third party, you need:

  • The name of the account holder.
  • The ABA routing number of the account.
  • The address of the receiving bank.
  • The ABA routing number of the intermediary bank (if applicable).
  • The address of the intermediary bank (if applicable).
  • Mobile phone for two-step identity verification
  1. Go to Capitalone.com.
  2. Select the Capital One deposit account you want to make the transfer from.
  3. Then choose the “Account Services and Settings” menu.
  4. Finally, select “Transfer money” and follow the steps that appear.

To receive a transfer to your Capital One account, follow the steps below.

Transfers deposited into your bank account must be initiated by the other bank. For the transaction to go smoothly, you must provide the following information:

  • Your name as it appears on bank statements.
  • The address of the bank, in this case, Capital One.
  • Your account and routing number.

Unlike many banks, Capital One doesn’t charge a fee to receive a wire transfer into your account.

On the other hand, domestic transfers will be deposited and available the same business day if received before 5PM ET.

International transfers may take 3-5 business days to be credited to your account.

Capital One FAQs

Are deposits insured by the FDIC? How do I know my money is safe?

Capital One Bank (USA), NA, and Capital One, NA, are both members of the Federal Deposit Insurance Corporation, with their FDIC certificate numbers being 33954 and 4297, respectively. Therefore, all deposits at each Capital One banking institution are separately insured by the FDIC up to $250,000 per depositor, per ownership category.

What is a direct deposit? How do I set it up for my account?

With this feature, your employer automatically deposits all or part of your paycheck into your account so you can earn higher returns faster. All you need to do is determine the amount you want directly deposited into your account each pay period

This amount will be automatically withdrawn from each paycheck and deposited into your account. If you’re interested in this option, we recommend you talk to your employer about signing up for a direct deposit or splitting your existing pay among multiple accounts. Now, to set up direct deposit you will need to provide your account number as well as the routing number. 

What routing number do I use for direct deposit or Automated Clearing House (ACH) transfers?

As we mentioned earlier, if you have personal checks from your Capital One account, you can quickly look up the routing number on one. The routing number is the first 9 numbers at the bottom left of a check. This number is always 9 digits.

What routing number do I use for wire transfers?

The routing number associated with your account depends on the banking institution (sometimes called a “bank”) where your account is located. So you can check your most recent paper or online statement to find out which banking institution your account is with, and then use that information to find your routing number. The banking institution is located to the right of your account number on your statement. If you still haven’t received a statement or can’t find your routing number, call the bank at 1-888-810-4013.

Can I request an outbound wire?

You can transfer funds from your account only if the receiving account is in the name or for the benefit of the account owner or beneficiary (only in situations of death). Transfers cannot be sent to third parties, escrow accounts, or title companies. To process your transfer request, you must contact Capital One at 855-280-3619. Please note that there is a $20.00 service charge to process an outbound wire. 

On the other hand, this is the information you will need to complete the electronic transfer:

  • The Capital One account is where the money will come from.
  • Dollar amount.
  • Recipient’s name. (Remember that you can only send to a deposit account you own, not to a third party).
  • Recipient account number.
  • Recipient address.
  • Valid routing number of the recipient. 
  • Intermediary bank routing number (if applicable).
  • Memo (if applicable).
By aamritri

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