Discover Bank routing number
Using a Discover account in the US to send or receive a domestic or international wire transfer? Make sure your payment arrives by using the right routing number.
What is a routing number?
In the US, banks and other financial institutions use routing numbers to identify themselves. They're made up of 9 digits, and sometimes called routing transit numbers, ABA routing numbers, or RTNs.
The Federal Reserve Banks need routing numbers to process Fedwire funds transfers. The ACH network also needs them to process electronic funds transfers – like direct deposits and bill payments.
Find Discover Bank routing numbers for:
Discover Bank routing numbers for wire transfers
The routing number for Discover Bank for domestic and international wire transfer is 31100649. If you're sending a domestic wire transfer, you'll just need the wire routing number in this table. If you're sending an international wire transfer, you'll also need a Swift code.
|Type of wire transfer||Discover Bank routing number|
Domestic Wire Transfer
International Wire Transfer to Discover Bank account in the USA
Discover Bank routing number for ACH transfers
The ACH routing number will have to be included for sending an ACH transfer to any Discover Bank account. To send a domestic ACH transfer, you’ll need to use the ACH routing number 031100649.
You'll need to include the ACH routing number when sending an ACH transfer to any Discover account.
What are routing numbers used for?
Banks and credit unions use routing numbers for all sorts of financial transactions. You might need one if you want to do any of the following:
- Set up a direct deposit, or pay bills automatically from your Discover Bank account
- Have payments like a salary or pension deposited into your account
- Pay in a check
- Make a wire transfer or ACH payment to someone in the US
Which Discover Bank routing number should you use?
Are all Discover Bank routing numbers the same?
Routing number you need will depend on the transaction. You might need one number to receive ACH transfers, and another to set up automated bill payments.
A bank might have a few different routing numbers, but they're never shared with other banks. This helps to make sure your payment ends up where it’s meant to.
Find Discover ABA routing numbers for:
Where to find a Discover Bank routing number on a check
If you have a Discover check handy, you’ll be able to find your routing number easily. Here’s where to look. All you need to get your routing number.
How to find your Discover Bank routing number online
Want to get your routing number from Discover Bank? Here’s all you need.
Here are some of the ways to find your number online:
- On this page - We've listed the Discover Bank routing number for checking accounts and wire transfers.
- Discover Bank online banking - You’ll be able to get your routing number by logging into online banking.
- Check or statement - Discover Bank-issued check or bank statement.
- Fedwire - You can look up your routing number on the official website of the Federal Reserve.
Your routing number is there to make sure your payment arrives to its recipient safe and sound. This page is a great place to start when you’re looking for your Discover Bank routing number. But it’s always worth checking the right account and routing number with your bank or your recipient.
Routing numbers, SWIFT codes, BIC and IBANs – what’s the the difference?
Banks love confusing financial jargon. Here’s a simple explanation.
You’ll need a few details to send or receive a wire transfer – either here in the US or internationally.
Routing numbers help identify banks when processing domestic ACH payments or wire transfers. But only in the United States. You don't need one to make a payment to your friend in France, for example.
SWIFT codes, like routing numbers, also identify banks and financial institutions. This time for international payments. They're sometimes known as BIC codes.
IBANs (international bank account numbers) identify individual bank accounts. They're issued by many banks in Europe, but banks elsewhere in the world are starting to adopt them as well.
There's a cheaper way to send money abroad.
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.
When you send money with us, you get the real exchange rate — just like the one you see on Google. Combined with the low, upfront fee we're known for. And if we're not the cheapest option, we'll let you know.