Are you trying to transfer money in or out of your Capital One checking or savings account? Well continue reading our post below to find out how to find your Capital One routing number and learn more about money transfers.
The Federal Reserve is the organization that assigns a unique code to each financial institution, including Capital One. This number consists of nine digits and is called either a routing number, bank transit number or an ABA routing number. Since no two banks have the same routing number, it can be used when making financial transactions to identify a specific bank.
You will need your routing number for many tasks such as:
- 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 branches all throughout the United States and has different routing numbers or “addresses” for different regions. To find out the right Capital One routing number for you, check out the list below.
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Capital One Routing Number By State
Like we mentioned above, your Capital One routing number is associated with the location of the bank where you opened your account. Even if you bank at a different Capital One branch, what really matters is the bank where you opened your account.
Here is a list of the Capital One routing numbers by bank institution:
- Capital One Bank (USA), N.A.: 051405515
- Capital One, N.A.: 056073502
If you don’t see you state or region listed above, then continue reading to find your Capital One routing number.
Other Ways to Find Your Capital One Routing Number
Use a Check: For checking accounts, you can find your routing number in the lower left hand corner of the check. It will be the first 9 digits located at the bottom of your 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: Call Capital One at 888-810-4013. After you provide a few specific details to identify yourself, a representative will be able to confirm your account’s routing number.
Routing Numbers for Wire Transfers
Wire transfers are a quicker way to send money than an ACH transfer. Anyone can wire funds to your Capital One account for a small fee. In order to send a wire transfer, customers will need to fill out the Capital One’s Outbound Wire Request Form and mail/fax it for processing.
For Domestic Transfers
Using one of the bank routing numbers from the list above, you can begin a wire transfer but double check before confirming the transaction.
Additionally, you will need to have the following information:
- 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
For international transfers, you will need the following additional information:
- Use Capital One’s SWIFT code HIBKUS44.
- 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
Which Capital One Routing Number Should You Use
For domestic money transfer
Use the ABA routing number for your corresponding state of your Capital One bank.
- Capital One Bank (USA), N.A.: 051405515
- Capital One, N.A.: 056073502
For domestic wire transfers
Simply use the Capital One’s wire transfer routing number associated with your account’s Capital One Entity.
- Capital One Bank (USA), N.A.: 051405515
- Capital One, N.A.: 056073612
For international wire transfers
Use Capital One SWIFT code HIBKUS44.
Conclusion
Sending domestic payments with your bank can be easy enough. But international transfers are a different story. Thanks to high SWIFT and cross-border fees, they can be very expensive and time-consuming.
If you bank with Captial One, then knowing or keeping your routing number on you is important when it comes to managing your finance. Having this on hand will help you set up direct deposit, automatic payment, or wire transfer.
However, if you don’t have a bank account yet, definitely take a look at our list of Capital One Bonuses or CD Rates for all your banking needs.
