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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:

What is a routing number?

Discover Bank routing numbers for wire transfers

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.

Discover Bank routing number for wire transfers
Type of wire transferDiscover Bank routing number

Domestic Wire Transfer

031100649

International Wire Transfer to Discover Bank account in the USA

031100649

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.

Discover Bank routing number for ACH transfers

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
What are routing numbers used for?

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:

Which Discover Bank routing number should you use?

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.

Where to find a Discover Bank routing number on a check

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:

  1. On this page - We've listed the Discover Bank routing number for checking accounts and wire transfers.
  2. Discover Bank online banking - You’ll be able to get your routing number by logging into online banking.
  3. Check or statement - Discover Bank-issued check or bank statement.
  4. 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.

How to find your Discover Bank routing number online

Routing numbers, SWIFT codes, BIC and IBANs – what’s 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.

Routing numbers, SWIFT codes, BIC and IBANs – what’s the difference?

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.

To get the best deal, it pays to look for specialist services. Many of which take a new approach, and skip the usual costs of sending money around the world.

Try Wise for fast, secure and cheap cross-border payments. All over the world.

There's a cheaper way to send money abroad

It’s time to leave Discover Bank behind.

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